FHA
Active
26$270,000$42,341 down
- Rate
- 3.45%
6.95%today- Payment
- $1,117/mo
$1,657today
- 2beds
- 2baths
- 1,190sqft
Wiggins, Colorado
Assumable homes for salein Wiggins, Colorado.
12 homes in Wiggins carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wiggins assumable market
by the numbers.
12active assumable listings
2.50%lowest locked rate
$440kmedian list price
$674saved per month vs. 7.2%
About the market
Assumable mortgagesin Wiggins, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Wiggins. Updated September 2026.
How assumptions work for buyersWiggins, Colorado has 12 homes for sale with an assumable mortgage as of September 2026: 10 FHA loans and 2 VA 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 Wiggins assumable listings start at 2.50% with a median of 3.89%; 7 listings are under 4% and 7 are under 5%.
The median assumable home in Wiggins lists for $439,900, with a median of $136,963 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 $1,713 a month versus $2,387 for the same balance at today's rate, roughly $674 kept every month and $8,087 a year. The most active Wiggins ZIP codes are 80654 (12).
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 Wiggins assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Wiggins
View all 12 on the map Homes on the marketin Wiggins.
VA
Active
40$379,500$105,966 down
- Rate
- 2.50%
6.95%today- Payment
- $1,251/mo
$2,096today
- 3beds
- 3baths
- 1,599sqft
1110 Coyote Lane, Wiggins
FHA
Active
46$480,000$163,507 down
- Rate
- 2.65%
6.95%today- Payment
- $1,461/mo
$2,400today
- 4beds
- 2baths
- 2,240sqft
3501 US Highway 6, Wiggins
FHA
Active
22$410,000$196,729 down
- Rate
- 3.06%
6.95%today- Payment
- $1,018/mo
$1,586today
- 3beds
- 2baths
- 1,560sqft
7498 Highway 52, Wiggins
FHA
Active
21$540,000$158,207 down
- Rate
- 3.89%
6.95%today- Payment
- $1,965/mo
$2,761today
- 3beds
- 2baths
- 1,488sqft
15508 Rd 7.3, Wiggins
FHA
Active
24$540,000$158,207 down
- Rate
- 3.89%
6.95%today- Payment
- $1,965/mo
$2,761today
- 3beds
- 2baths
- 1,488sqft
15508 Rd 7.3, Wiggins
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 Wiggins.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 12
- UMe Certified / verified
- 0
- Lowest rate
- 2.50%
- Median rate
- 3.89%
- Median list price
- $439,900
- Median cash to assume
- $136,963
Wiggins listings by locked rate
- Under 4%7 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up5 homes
Wiggins listings by loan type
- FHA10 homesmedian 4.97%
- VA2 homesmedian 3.06%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Wiggins ZIP code.
Each ZIP opens the Wiggins map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Wiggins numbers
What an assumable ratedoes to a Wiggins payment.
The sliders start at the median Wiggins assumable listing: $439,900 list price and a 3.89% 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)$135,000
31% 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 Wiggins
$1,557/mo
New loan at 7.20%$2,070
Assumed at 3.90%
$1,557
Every month$513
Over five years$30,798
Interest you never pay$259,52326-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 Wiggins listing on UMe shows the actual balance, rate, and payment.
How it works in Wiggins
How to assumea mortgage in Wiggins.
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 Wiggins home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wiggins 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 $136,963 in Wiggins 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 Wiggins payment written in a different decade.
Wiggins questions
Assuming a mortgagein Wiggins.
The numbers below come from current Wiggins inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wiggins?
As of September 2026, UMe tracks 12 active assumable listings in Wiggins. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wiggins?
Current Wiggins inventory breaks down as FHA (10, median 4.97%) and VA (2, median 3.06%). 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 Wiggins?
The lowest rate on an active Wiggins assumable listing is 2.50%, and the median across all 12 listings is 3.89%. 7 listings are under 4% and 7 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 Wiggins?
Across current Wiggins listings, the median principal-and-interest payment on the assumable loan is $1,713 per month versus $2,387 for the same balance at today's rates, a difference of about $674 every month, or $8,087 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 Wiggins?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wiggins that gap is currently a median of $136,963 on a median list price of $439,900. 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 Wiggins ZIP codes have the most assumable homes?
The Wiggins ZIP codes with the most active assumable listings are 80654 (12). 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 Wiggins?
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 Wiggins.The rate is already on the house.
Every listing on the Wiggins map has a rate you can take over. Start with the ones in Wiggins, get pre-qualified in minutes, and let UMe carry the assumption to closing.
