🏠The Assumable Guy
📍 Castle Rock, CO

Castle Rock
Assumable Mortgages

40 active listings in Castle Rock with assumable mortgages. Rates starting at 2.18%. Save an average of $1,219/month vs today's 6.14% rate.

40
Active Listings
2.18%
Lowest Rate
$1,219
Avg Monthly Savings

Castle Rock: Douglas County's Hottest Market Meets Assumable Rate Savings

Castle Rock has been one of Colorado's fastest-growing cities for a decade. Located in Douglas County between Denver and Colorado Springs, it attracts buyers who want newer construction, good schools, and space — without sacrificing commute access to either city. Median home prices regularly reach $600,000–$750,000. At 6.14%, ownership costs are serious.

Castle Rock sits squarely in the Peterson Space Force Base and Schriever Space Force Base commuter zone — many military personnel from Colorado Springs installations buy in Castle Rock or nearby Franktown. That creates VA loan inventory as those servicemembers rotate. Additionally, Castle Rock's 2020–2022 new construction surge was financed heavily with FHA and VA loans.

On a $500,000 remaining VA loan at 3.25%, principal and interest is $2,176/month. At 6.14%, it's $3,260/month. That's $1,084 per month in savings — $13,008 per year. Castle Rock is worth owning. Assumable mortgages make it possible to own affordably.

Top Castle Rock Deals

See all 40 →
6293 Ellingwood Point
4.99%
VA
$1,595,000
6293 Ellingwood Point
Castle Rock, CO 80108
🛏 4 bed🚿 4 bath📐 4,051 sqft
Monthly savings vs 6.5%$1,748/mo
Total savings (30yr)$629,280
$7,829/mo vs $9,577/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $1.4M · Cash to close: $207K
6635 Tremolite
3.375%
VA
$1,500,000
6635 Tremolite
Castle Rock, CO 80108
🛏 5 bed🚿 6 bath📐 5,963 sqft
Monthly savings vs 6.5%$5,249/mo
Total savings (30yr)$1,889,640
$3,758/mo vs $9,007/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $781K · Cash to close: $719K
5061 Vermillion
4.99%
VA
$1,569,000
5061 Vermillion
Castle Rock, CO 80108
🛏 4 bed🚿 5 bath📐 4,834 sqft
Monthly savings vs 6.5%$2,353/mo
Total savings (30yr)$847,080
$7,068/mo vs $9,421/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $1.2M · Cash to close: $324K
3197 Cool Meadow
2.89%
VA
$774,900
3197 Cool Meadow
Castle Rock, CO 80104
🛏 5 bed🚿 5 bath📐 4,592 sqft
Monthly savings vs 6.5%$2,201/mo
Total savings (30yr)$792,360
$2,452/mo vs $4,653/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $521K · Cash to close: $254K
5117 Coltin
2.76%
FHA
$660,000
5117 Coltin
Castle Rock, CO 80104
🛏 5 bed🚿 3 bath📐 3,528 sqft
Monthly savings vs 6.5%$1,704/mo
Total savings (30yr)$613,440
$2,259/mo vs $3,963/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $498K · Cash to close: $162K
5972 High Timber
2.94%
FHA
$665,000
5972 High Timber
Castle Rock, CO 80104
🛏 5 bed🚿 4 bath📐 3,020 sqft
Monthly savings vs 6.5%$1,621/mo
Total savings (30yr)$583,560
$2,372/mo vs $3,993/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $510K · Cash to close: $155K
View All 40 Castle Rock Listings →

Learn About Assumable Mortgages in Castle Rock

2026-01-05
Assumable Mortgage Castle Rock Colorado: Douglas County's Fastest-Growing City Has the Rates to Match
2026-03-05
VA Loan Assumption Process Colorado: Step-by-Step Guide for Veterans and Non-Veterans
2026-02-23
How to Get an Assumable Mortgage: Step-by-Step Guide (2026)
2026-02-05
Can You Assume a VA Loan Without Being a Veteran in Colorado? Yes, Here's How
2026-04-04
Assumable Mortgage Brighton Colorado: Save $850/Month in Adams County's Fastest-Growing City

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