2.96% FHA
$495,000
$1,812/mo
832 Vernon Drive
Central City, CO
3 bd4 ba2,108 sqft
Central City, Colorado
Keep the rate.
Buy the home in Central City.
3 assumable homes for sale in Central City, with locked rates from 2.96%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.06%
vs 7.2% market
$1,215/mo saved
Median locked rate
3.06%
Across 3 assumable listings
Typical monthly savings
$1,215
On a $495,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Central City
Homes with a rate worth keeping
2.99% FHA
$750,000
$2,349/mo
290 Elk Valley Drive
Evergreen, CO
3 bd3 ba2,275 sqft
3.06% FHA
$545,000
$1,806/mo
1263 Nevadaville Road
Central City, CO
4 bd3 ba2,301 sqft
2.83% VA
$995,000
$2,415/mo
940 Spring Gulch Road
Idaho Springs, CO
3 bd3 ba3,651 sqft
2.88% VA
$1,350,000
$3,411/mo
800 Divide View Drive
Golden, CO
4 bd3 ba3,240 sqft
2.98% VA
$1,275,000
$1,278/mo
302 Cottonwood Drive
Evergreen, CO
5 bd5 ba4,027 sqft
Inventory snapshot
What’s assumable in Central City right now
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 3
- Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 3.06%
- Median list price
- $495,000
- Median cash to assume
- $108,595
Listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA2 homesmedian 3.01%
- VA1 homemedian 7.62%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Central City ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
Run your numbers
The cost of waiting in Central City.
A 7.2% new loan against an assumable one at 3.06%, same balance, 30 years.
You keep every month
$1,006/mo
Over a year$12,067
Monthly payment, side by side
7.2% vs 3.06%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Central City
Numbers below come from current Central City inventory and update as listings change.
- How many assumable homes are for sale in Central City?
- As of August 2026, UMe tracks 3 active assumable listings in Central City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Central City?
- Current Central City inventory breaks down as FHA (2, median 3.01%) and VA (1, median 7.62%). 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 Central City right now?
- The lowest rate on an active Central City assumable listing is 2.96%, and the median across all 3 listings is 3.06%. 2 listings are under 4% and 2 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 Central City?
- Across current Central City listings, the median principal-and-interest payment on the assumable loan is $1,812 per month versus $3,027 for the same balance at today's rates, a difference of about $1,215 every month, or $14,575 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 Central City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Central City that gap is currently a median of $108,595 on a median list price of $495,000. 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 Central City ZIP codes have the most assumable homes?
- The Central City ZIP codes with the most active assumable listings are 80427 (2) and 80247 (1). 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 Central City?
- 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.
Ready when you are
Stop overpaying for Central City.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
