2.81% VA
$724,000
$2,245/mo
455 Satanta Circle
Westcliffe, CO
4 bd3 ba2,616 sqft
Silver Cliff, Colorado
Keep the rate.
Buy the home in Silver Cliff.
1 assumable home for sale in Silver Cliff, with locked rates from 6.54%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.54%
vs 7.2% market
$226/mo saved
Median locked rate
6.54%
Across 1 assumable listing
Typical monthly savings
$226
On a $379,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Silver Cliff
Homes with a rate worth keeping
2.35% VA
$725,000
$3,428/mo
50 Shawnee Trail
Westcliffe, CO
3 bd3 ba2,805 sqft
2.68% FHA
$875,000
$933/mo
50374 HWY 69
Westcliffe, CO
4 bd3 ba4,228 sqft
2.90% VA
$599,900
$1,340/mo
595 Dead Mule Lane
Westcliffe, CO
3 bd2 ba2,120 sqft
3.62% VA
$395,000
$1,048/mo
2863 CR 215
Westcliffe, CO
3 bd2 ba1,808 sqft
6.11% VA
$900,000
$4,435/mo
4430 County Road 260
Westcliffe, CO
6 bd4 ba3,130 sqft
Inventory snapshot
What’s assumable in Silver Cliff right now
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.54%
- Median rate
- 6.54%
- Median list price
- $379,900
- Median cash to assume
- $48,560
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA1 homemedian 6.54%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Silver Cliff 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 Silver Cliff.
A 7.2% new loan against an assumable one at 6.54%, same balance, 30 years.
You keep every month
$134/mo
Over a year$1,608
Monthly payment, side by side
7.2% vs 6.54%
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 Silver Cliff
Numbers below come from current Silver Cliff inventory and update as listings change.
- How many assumable homes are for sale in Silver Cliff?
- As of August 2026, UMe tracks 1 active assumable listing in Silver Cliff. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Silver Cliff?
- Current Silver Cliff inventory breaks down as FHA (1, median 6.54%). 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 Silver Cliff right now?
- The lowest rate on an active Silver Cliff assumable listing is 6.54%, and the median across all 1 listing is 6.54%. 0 listings are under 4% and 0 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 Silver Cliff?
- Across current Silver Cliff listings, the median principal-and-interest payment on the assumable loan is $2,181 per month versus $2,407 for the same balance at today's rates, a difference of about $226 every month, or $2,716 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 Silver Cliff?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Silver Cliff that gap is currently a median of $48,560 on a median list price of $379,900. 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 Silver Cliff ZIP codes have the most assumable homes?
- The Silver Cliff ZIP codes with the most active assumable listings are 81252 (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 Silver Cliff?
- 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 Silver Cliff.
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.
