VA
Active
50$514,900$105,281 down
- Rate
- 2.68%
6.95%today- Payment
- $1,897/mo
$3,105today
- 3beds
- 2baths
- 1,495sqft
Woodland Park, Colorado
Assumable homes for salein Woodland Park, Colorado.
8 homes in Woodland Park carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.85%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Woodland Park assumable market
by the numbers.
8active assumable listings
2.85%lowest locked rate
$612kmedian list price
$1,343saved per month vs. 7.2%
About the market
Assumable mortgagesin Woodland Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Woodland Park. Updated September 2026.
How assumptions work for buyersWoodland Park, Colorado has 8 homes for sale with an assumable mortgage as of September 2026: 5 VA loans and 3 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 Woodland Park assumable listings start at 2.85% with a median of 3.42%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in Woodland Park lists for $612,200, with a median of $67,641 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 $2,870 a month versus $4,212 for the same balance at today's rate, roughly $1,343 kept every month and $16,111 a year. The most active Woodland Park ZIP codes are 80863 (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 Woodland Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Woodland Park
View all 8 on the map Homes on the marketin Woodland Park.
VA
Active
45$612,200$68,877 down
- Rate
- 2.85%
6.95%today- Payment
- $2,558/mo
$4,094today
- 3beds
- 2baths
- 1,981sqft
1157 Ptarmigan Drive, Woodland Park
VA
Active
45$612,200$68,877 down
- Rate
- 2.85%
6.95%today- Payment
- $2,558/mo
$4,094today
- 3beds
- 2baths
- 1,981sqft
1157 Ptarmigan Drive, Woodland Park
FHA
Active
33$349,900$69,951 down
- Rate
- 2.87%
6.95%today- Payment
- $1,303/mo
$2,080today
- 2beds
- 2baths
- 1,440sqft
560 Manor Court, Woodland Park
VA
Active
50$800,000$129,829 down
- Rate
- 3.09%
6.95%today- Payment
- $3,181/mo
$4,938today
- 5beds
- 4baths
- 3,759sqft
115 Hawkridge Drive, Woodland Park
FHA
Active
48$849,900$84,316 down
- Rate
- 3.75%
6.95%today- Payment
- $3,867/mo
$5,527today
- 4beds
- 4baths
- 3,132sqft
1350 Masters Drive, Woodland Park
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 Woodland Park.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.85%
- Median rate
- 3.42%
- Median list price
- $612,200
- Median cash to assume
- $67,641
Woodland Park listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Woodland Park listings by loan type
- VA5 homesmedian 3.09%
- FHA3 homesmedian 3.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Woodland Park ZIP code.
Each ZIP opens the Woodland Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Woodland Park numbers
What an assumable ratedoes to a Woodland Park payment.
The sliders start at the median Woodland Park assumable listing: $612,200 list price and a 3.42% 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)$65,000
11% 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 Woodland Park
$2,633/mo
New loan at 7.20%$3,699
Assumed at 3.40%
$2,633
Every month$1,066
Over five years$63,954
Interest you never pay$510,13226-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 Woodland Park listing on UMe shows the actual balance, rate, and payment.
How it works in Woodland Park
How to assumea mortgage in Woodland Park.
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 Woodland Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Woodland Park 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 $67,641 in Woodland Park 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 Woodland Park payment written in a different decade.
Woodland Park questions
Assuming a mortgagein Woodland Park.
The numbers below come from current Woodland Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Woodland Park?
As of September 2026, UMe tracks 8 active assumable listings in Woodland Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Woodland Park?
Current Woodland Park inventory breaks down as VA (5, median 3.09%) and FHA (3, median 3.75%). 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 Woodland Park?
The lowest rate on an active Woodland Park assumable listing is 2.85%, and the median across all 8 listings is 3.42%. 5 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 Woodland Park?
Across current Woodland Park listings, the median principal-and-interest payment on the assumable loan is $2,870 per month versus $4,212 for the same balance at today's rates, a difference of about $1,343 every month, or $16,111 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 Woodland Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Woodland Park that gap is currently a median of $67,641 on a median list price of $612,200. 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 Woodland Park ZIP codes have the most assumable homes?
The Woodland Park ZIP codes with the most active assumable listings are 80863 (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 Woodland Park?
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 Woodland Park.The rate is already on the house.
Every listing on the Woodland Park map has a rate you can take over. Start with the ones in Woodland Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
