VA
Active
50$724,000$243,970 down
- Rate
- 2.81%
6.95%today- Payment
- $2,245/mo
$3,612today
- 4beds
- 3baths
- 2,616sqft
Westcliffe, Colorado
Assumable homes for salein Westcliffe, Colorado.
8 homes in Westcliffe carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.35%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Westcliffe assumable market
by the numbers.
8active assumable listings
2.35%lowest locked rate
$697kmedian list price
$623saved per month vs. 7.2%
About the market
Assumable mortgagesin Westcliffe, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Westcliffe. Updated September 2026.
How assumptions work for buyersWestcliffe, Colorado has 8 homes for sale with an assumable mortgage as of September 2026: 6 VA loans and 2 FHA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Westcliffe assumable listings start at 2.35% with a median of 2.85%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Westcliffe lists for $696,950, with a median of $285,285 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,789 a month versus $2,411 for the same balance at today's rate, roughly $623 kept every month and $7,474 a year. The most active Westcliffe ZIP codes are 81252 (8).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Westcliffe assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Westcliffe
View all 8 on the map Homes on the marketin Westcliffe.
VA
Active
46$725,000$342,595 down
- Rate
- 2.35%
6.95%today- Payment
- $3,428/mo
$4,655today
- 3beds
- 3baths
- 2,805sqft
50 Shawnee Trail, Westcliffe
FHA
Active
35$875,000$672,185 down
- Rate
- 2.68%
6.95%today- Payment
- $933/mo
$1,526today
- 4beds
- 3baths
- 4,228sqft
50374 HWY 69, Westcliffe
VA
Active
38$599,800$312,107 down
- Rate
- 2.90%
6.95%today- Payment
- $1,340/mo
$2,131today
- 3beds
- 2baths
- 2,120sqft
595 Dead Mule Lane, Westcliffe
VA
Active
35$395,000$197,466 down
- Rate
- 3.62%
6.95%today- Payment
- $1,048/mo
$1,522today
- 3beds
- 2baths
- 1,808sqft
2863 CR 215, Westcliffe
FHA
Active
28$388,000$55,521 down
- Rate
- 6.18%
6.95%today- Payment
- $2,267/mo
$2,434today
- 5beds
- 4baths
- 1,942sqft
321 Summit Street, Silver Cliff
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Westcliffe.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.35%
- Median rate
- 2.85%
- Median list price
- $696,950
- Median cash to assume
- $285,285
Westcliffe listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Westcliffe listings by loan type
- VA6 homesmedian 2.85%
- FHA2 homesmedian 4.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Westcliffe ZIP code.
Each ZIP opens the Westcliffe map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Westcliffe numbers
What an assumable ratedoes to a Westcliffe payment.
The sliders start at the median Westcliffe assumable listing: $696,950 list price and a 2.85% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$285,000
41% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Westcliffe
$1,862/mo
New loan at 7.20%$2,783
Assumed at 2.85%
$1,862
Every month$921
Over five years$55,259
Interest you never pay$420,93126-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Westcliffe listing on UMe shows the actual balance, rate, and payment.
How it works in Westcliffe
How to assumea mortgage in Westcliffe.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Westcliffe home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Westcliffe map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $285,285 in Westcliffe today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Westcliffe payment written in a different decade.
Westcliffe questions
Assuming a mortgagein Westcliffe.
The numbers below come from current Westcliffe inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Westcliffe?
As of September 2026, UMe tracks 8 active assumable listings in Westcliffe. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Westcliffe?
Current Westcliffe inventory breaks down as VA (6, median 2.85%) and FHA (2, median 4.67%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Westcliffe?
The lowest rate on an active Westcliffe assumable listing is 2.35%, and the median across all 8 listings is 2.85%. 6 listings are under 4% and 6 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Westcliffe?
Across current Westcliffe listings, the median principal-and-interest payment on the assumable loan is $1,789 per month versus $2,411 for the same balance at today's rates, a difference of about $623 every month, or $7,474 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Westcliffe?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Westcliffe that gap is currently a median of $285,285 on a median list price of $696,950. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Westcliffe ZIP codes have the most assumable homes?
The Westcliffe ZIP codes with the most active assumable listings are 81252 (8). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Westcliffe?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Westcliffe.The rate is already on the house.
Every listing on the Westcliffe map has a rate you can take over. Start with the ones in Westcliffe, get pre-qualified in minutes, and let UMe carry the assumption to closing.
