📍 Colorado Springs, CO
63 Homes with
Assumable Mortgages
Stop paying 7% when sellers are offering 2.18%. Every listing below lets you step into an existing low-rate loan and keep it for the life of your mortgage.
63
Active Listings
2.18%
Lowest Rate
$1,459
Avg Monthly Savings
23
Listings Under 3%
🎖️
Military Hub
Fort Carson, Peterson, Schriever, and the Air Force Academy surround Colorado Springs. Thousands of VA loans are assumable by anyone, you don't need to be a veteran.
📉
Real Savings
These 63 listings save buyers a combined $92K/month vs getting a new loan today. That's $1103K+ per year staying in buyers' pockets.
🔑
How It Works
The seller transfers their existing loan (rate, balance, and terms) directly into your name. The lender approves you. You pay the equity gap. You keep their rate for life.
All 63 Colorado Springs Listings
Sorted by lowest rate first. Updated daily from the MLS.
2.96%
VA
$410,000
6850 Kipling
Colorado Springs, CO 80911
🛏 5 bed🚿 3 bath📐 2,355 sqft
Monthly savings vs 6.5%$660/mo
Total savings (30yr)$237,600
$1,802/mo vs $2,462/mo (5% down)
Remaining loan: $386K · $24,013 to close
2.9%
VA
$634,900
1828 Parkview
Colorado Springs, CO 80905
🛏 4 bed🚿 3 bath📐 2,337 sqft
Monthly savings vs 6.5%$1,117/mo
Total savings (30yr)$402,120
$2,695/mo vs $3,812/mo (5% down)
Remaining loan: $589K · $46,122 to close
2.99%
VA
$1,150,000
19840 Glen Shadows
Colorado Springs, CO 80908
🛏 6 bed🚿 5 bath📐 5,015 sqft
Monthly savings vs 6.5%$3,410/mo
Total savings (30yr)$1,227,600
$3,495/mo vs $6,905/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $743K · $407,267 to close
2.94%
VA
$1,740,000
5540 Parapet
Colorado Springs, CO 80918
🛏 6 bed🚿 6 bath📐 7,068 sqft
Monthly savings vs 6.5%$6,599/mo
Total savings (30yr)$2,375,640
$3,849/mo vs $10,448/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $824K · $910,154 to close
2.87%
VA
$369,900
2049 Birmingham
Colorado Springs, CO 80910
🛏 3 bed🚿 3 bath📐 1,692 sqft
Monthly savings vs 6.5%$675/mo
Total savings (30yr)$243,000
$1,546/mo vs $2,221/mo (5% down)
Remaining loan: $335K · $33,870 to close
2.9%
VA
$525,000
9833 Wando
Colorado Springs, CO 80925
🛏 5 bed🚿 3 bath📐 3,024 sqft
Monthly savings vs 6.5%$996/mo
Total savings (30yr)$358,560
$2,156/mo vs $3,152/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $468K · $57,038 to close
2.77%
VA
$1,242,000
9364 Shipman
Colorado Springs, CO 80908
🛏 4 bed🚿 3 bath📐 4,155 sqft
Monthly savings vs 6.5%$3,743/mo
Total savings (30yr)$1,347,480
$3,715/mo vs $7,458/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $802K · $440,252 to close
2.94%
VA
$2,150,000
26 Hutton
Colorado Springs, CO 80906
🛏 5 bed🚿 6 bath📐 7,060 sqft
Monthly savings vs 6.5%$9,720/mo
Total savings (30yr)$3,499,200
$3,190/mo vs $12,910/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $683K · $1,466,858 to close
2.98%
VA
$374,000
6226 Scottsbluff
Colorado Springs, CO 80923
🛏 2 bed🚿 2 bath📐 1,280 sqft
Monthly savings vs 6.5%$673/mo
Total savings (30yr)$242,280
$1,573/mo vs $2,246/mo (5% down)
Remaining loan: $336K · $35,699 to close
3.75%
VA
$638,000
6493 Barrel Race
Colorado Springs, CO 80923
🛏 5 bed🚿 4 bath📐 3,603 sqft
Monthly savings vs 6.5%$832/mo
Total savings (30yr)$299,520
$2,999/mo vs $3,831/mo (5% down)
Remaining loan: $599K · $38,665 to close
2.99%
VA
$1,295,000
4015 Hermitage
Colorado Springs, CO 80906
🛏 4 bed🚿 4 bath📐 4,869 sqft
Monthly savings vs 6.5%$4,284/mo
Total savings (30yr)$1,542,240
$3,492/mo vs $7,776/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $742K · $552,938 to close
2.77%
VA
$2,200,000
3440 Hill
Colorado Springs, CO 80904
🛏 4 bed🚿 4 bath📐 3,266 sqft
Monthly savings vs 6.5%$10,464/mo
Total savings (30yr)$3,767,040
$2,746/mo vs $13,210/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $605K · $1,595,282 to close
2.81%
VA
$415,000
6705 Liberator
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 1,948 sqft
Monthly savings vs 6.5%$808/mo
Total savings (30yr)$290,880
$1,684/mo vs $2,492/mo (5% down)
Remaining loan: $363K · $47,501 to close
3.75%
VA
$590,000
11029 Falling Snow
Colorado Springs, CO 80908
🛏 4 bed🚿 3 bath📐 2,521 sqft
Monthly savings vs 6.5%$796/mo
Total savings (30yr)$286,560
$2,747/mo vs $3,543/mo (5% down)
Remaining loan: $547K · $45,163 to close
2.18%
VA
$1,000,000
1630 Oakmont
Colorado Springs, CO 80921
🛏 6 bed🚿 5 bath📐 4,794 sqft
Monthly savings vs 6.5%$4,754/mo
Total savings (30yr)$1,711,440
$1,251/mo vs $6,005/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $295K · $705,027 to close
3.11%
VA
$1,970,000
13640 Winslow
Colorado Springs, CO 80908
🛏 7 bed🚿 7 bath📐 5,771 sqft
Monthly savings vs 6.5%$3,278/mo
Total savings (30yr)$1,180,080
$8,551/mo vs $11,829/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $1.8M · $153,376 to close
2.87%
VA
$420,000
4548 Anvil
Colorado Springs, CO 80925
🛏 4 bed🚿 2 bath📐 2,022 sqft
Monthly savings vs 6.5%$825/mo
Total savings (30yr)$297,000
$1,697/mo vs $2,522/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $369K · $51,318 to close
3.76%
VA
$550,000
3041 Namib
Colorado Springs, CO 80939
🛏 6 bed🚿 3 bath📐 3,004 sqft
Monthly savings vs 6.5%$776/mo
Total savings (30yr)$279,360
$2,527/mo vs $3,303/mo (5% down)
Remaining loan: $504K · $45,476 to close
2.52%
VA
$1,150,000
16044 Pole Pine
Colorado Springs, CO 80908
🛏 4 bed🚿 4 bath📐 3,772 sqft
Monthly savings vs 6.5%$4,811/mo
Total savings (30yr)$1,731,960
$2,094/mo vs $6,905/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $387K · $761,932 to close
3%
VA
$1,899,999
11 Polo
Colorado Springs, CO 80906
🛏 4 bed🚿 5 bath📐 4,639 sqft
Monthly savings vs 6.5%$7,636/mo
Total savings (30yr)$2,748,960
$3,773/mo vs $11,409/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $799K · $1,100,732 to close
2.96%
VA
$360,000
1604 Rosemont
Colorado Springs, CO 80911
🛏 4 bed🚿 2 bath📐 2,133 sqft
Monthly savings vs 6.5%$725/mo
Total savings (30yr)$261,000
$1,437/mo vs $2,162/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $307K · $52,807 to close
3.45%
VA
$530,000
9307 Blue Birch
Colorado Springs, CO 80927
🛏 4 bed🚿 3 bath📐 2,550 sqft
Monthly savings vs 6.5%$945/mo
Total savings (30yr)$340,200
$2,237/mo vs $3,182/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $462K · $68,670 to close
2.94%
VA
$1,185,000
305 Hidden Creek
Colorado Springs, CO 80906
🛏 5 bed🚿 5 bath📐 5,274 sqft
Monthly savings vs 6.5%$5,140/mo
Total savings (30yr)$1,850,400
$1,976/mo vs $7,116/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $416K · $769,320 to close
2.652%
VA
$400,000
2927 Cabrillo
Colorado Springs, CO 80910
🛏 3 bed🚿 2 bath📐 1,738 sqft
Monthly savings vs 6.5%$890/mo
Total savings (30yr)$320,400
$1,512/mo vs $2,402/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $337K · $62,132 to close
3.51%
VA
$1,350,000
10003 Aspen Valley
Colorado Springs, CO 80908
🛏 5 bed🚿 4 bath📐 4,155 sqft
Monthly savings vs 6.5%$2,999/mo
Total savings (30yr)$1,079,640
$5,107/mo vs $8,106/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $1.0M · $303,779 to close
2.87%
VA
$415,000
4687 Fencer
Colorado Springs, CO 80911
🛏 3 bed🚿 3 bath📐 1,696 sqft
Monthly savings vs 6.5%$865/mo
Total savings (30yr)$311,400
$1,627/mo vs $2,492/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $353K · $62,220 to close
3.75%
VA
$1,200,000
11872 Hawk Stone
Colorado Springs, CO 80921
🛏 5 bed🚿 5 bath📐 4,332 sqft
Monthly savings vs 6.5%$2,773/mo
Total savings (30yr)$998,280
$4,433/mo vs $7,206/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $886K · $313,960 to close
2.9%
VA
$469,900
10781 Deer Meadow
Colorado Springs, CO 80925
🛏 6 bed🚿 4 bath📐 2,797 sqft
Monthly savings vs 6.5%$961/mo
Total savings (30yr)$345,960
$1,861/mo vs $2,822/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $405K · $65,197 to close
3.34%
VA
$1,075,000
1857 Clayhouse
Colorado Springs, CO 80921
🛏 5 bed🚿 5 bath📐 4,415 sqft
Monthly savings vs 6.5%$3,465/mo
Total savings (30yr)$1,247,400
$2,990/mo vs $6,455/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $598K · $476,589 to close
2.81%
VA
$380,000
1023 Fosdick
Colorado Springs, CO 80909
🛏 4 bed🚿 2 bath📐 1,647 sqft
Monthly savings vs 6.5%$830/mo
Total savings (30yr)$298,800
$1,452/mo vs $2,282/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $314K · $66,598 to close
3.04%
VA
$1,079,900
12470 Arrow Creek
Colorado Springs, CO 80921
🛏 4 bed🚿 5 bath📐 4,405 sqft
Monthly savings vs 6.5%$3,868/mo
Total savings (30yr)$1,392,480
$2,616/mo vs $6,484/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $547K · $533,071 to close
2.96%
VA
$435,000
4364 Bronco Gulch
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 1,839 sqft
Monthly savings vs 6.5%$896/mo
Total savings (30yr)$322,560
$1,716/mo vs $2,612/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $367K · $67,393 to close
3.35%
VA
$1,350,000
19679 Glen Shadows
Colorado Springs, CO 80908
🛏 5 bed🚿 5 bath📐 4,946 sqft
Monthly savings vs 6.5%$4,015/mo
Total savings (30yr)$1,445,400
$4,091/mo vs $8,106/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $816K · $533,864 to close
2.74%
VA
$420,000
1426 Fetterman
Colorado Springs, CO 80915
🛏 4 bed🚿 3 bath📐 2,120 sqft
Monthly savings vs 6.5%$904/mo
Total savings (30yr)$325,440
$1,618/mo vs $2,522/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $352K · $68,805 to close
3.34%
VA
$1,275,000
12498 Cloudy Bay
Colorado Springs, CO 80921
🛏 6 bed🚿 5 bath📐 4,761 sqft
Monthly savings vs 6.5%$4,738/mo
Total savings (30yr)$1,705,680
$2,918/mo vs $7,656/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $585K · $689,616 to close
3.07%
VA
$400,000
54 Minden
Colorado Springs, CO 80906
🛏 4 bed🚿 3 bath📐 1,758 sqft
Monthly savings vs 6.5%$615/mo
Total savings (30yr)$221,400
$1,787/mo vs $2,402/mo (5% down)
Remaining loan: $382K · $16,320 to close
3.04%
VA
$1,399,900
17590 Cherry Stage
Colorado Springs, CO 80921
🛏 5 bed🚿 5 bath📐 4,859 sqft
Monthly savings vs 6.5%$5,872/mo
Total savings (30yr)$2,113,920
$2,534/mo vs $8,406/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $529K · $871,344 to close
3.76%
VA
$474,000
5309 Sky Top
Colorado Springs, CO 80918
🛏 3 bed🚿 3 bath📐 1,920 sqft
Monthly savings vs 6.5%$545/mo
Total savings (30yr)$196,200
$2,301/mo vs $2,846/mo (5% down)
Remaining loan: $459K · $16,358 to close
3.1%
VA
$389,000
6597 Rubicon
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 1,821 sqft
Monthly savings vs 6.5%$602/mo
Total savings (30yr)$216,720
$1,734/mo vs $2,336/mo (5% down)
Remaining loan: $370K · $18,633 to close
3.73%
VA
$430,000
7050 Silvergrass
Colorado Springs, CO 80927
🛏 3 bed🚿 3 bath📐 1,438 sqft
Monthly savings vs 6.5%$542/mo
Total savings (30yr)$195,120
$2,040/mo vs $2,582/mo (5% down)
Remaining loan: $410K · $19,820 to close
3.96%
VA
$394,999
5872 Thurless
Colorado Springs, CO 80927
🛏 3 bed🚿 2 bath📐 1,766 sqft
Monthly savings vs 6.5%$469/mo
Total savings (30yr)$168,840
$1,903/mo vs $2,372/mo (5% down)
Remaining loan: $374K · $20,567 to close
3.45%
VA
$360,000
3927 Whittier
Colorado Springs, CO 80910
🛏 3 bed🚿 2 bath📐 1,250 sqft
Monthly savings vs 6.5%$534/mo
Total savings (30yr)$192,240
$1,628/mo vs $2,162/mo (5% down)
Remaining loan: $335K · $25,051 to close
3.07%
VA
$409,900
6485 Lazy Stream
Colorado Springs, CO 80923
🛏 3 bed🚿 3 bath📐 2,315 sqft
Monthly savings vs 6.5%$661/mo
Total savings (30yr)$237,960
$1,800/mo vs $2,461/mo (5% down)
Remaining loan: $384K · $25,723 to close
3.1%
VA
$379,000
9843 Paluxy
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 1,821 sqft
Monthly savings vs 6.5%$622/mo
Total savings (30yr)$223,920
$1,654/mo vs $2,276/mo (5% down)
Remaining loan: $353K · $25,848 to close
3.45%
VA
$380,000
3621 Purdue
Colorado Springs, CO 80909
🛏 4 bed🚿 2 bath📐 1,675 sqft
Monthly savings vs 6.5%$570/mo
Total savings (30yr)$205,200
$1,712/mo vs $2,282/mo (5% down)
Remaining loan: $352K · $27,674 to close
3.45%
VA
$485,000
10552 Horton
Colorado Springs, CO 80925
🛏 4 bed🚿 3 bath📐 1,750 sqft
Monthly savings vs 6.5%$701/mo
Total savings (30yr)$252,360
$2,211/mo vs $2,912/mo (5% down)
Remaining loan: $456K · $29,935 to close
3.1%
VA
$489,000
9295 Sand Myrtle
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 2,741 sqft
Monthly savings vs 6.5%$790/mo
Total savings (30yr)$284,400
$2,146/mo vs $2,936/mo (5% down)
Remaining loan: $458K · $30,753 to close
3.76%
FHA
$460,900
6472 Barr
Colorado Springs, CO 80924
🛏 3 bed🚿 3 bath📐 1,794 sqft
Monthly savings vs 6.5%$630/mo
Total savings (30yr)$226,800
$2,138/mo vs $2,768/mo (5% down)
Remaining loan: $426K · $30,888 to close
3.1%
VA
$485,000
8544 Vanderwood
Colorado Springs, CO 80908
🛏 3 bed🚿 3 bath📐 2,266 sqft
Monthly savings vs 6.5%$820/mo
Total savings (30yr)$295,200
$2,092/mo vs $2,912/mo (5% down)
Remaining loan: $447K · $36,248 to close
3.06%
VA
$425,000
2276 Sage Grouse
Colorado Springs, CO 80951
🛏 3 bed🚿 3 bath📐 1,716 sqft
Monthly savings vs 6.5%$718/mo
Total savings (30yr)$258,480
$1,834/mo vs $2,552/mo (5% down)
Remaining loan: $394K · $38,217 to close
3.45%
VA
$449,900
6950 Shunka
Colorado Springs, CO 80925
🛏 4 bed🚿 3 bath📐 1,750 sqft
Monthly savings vs 6.5%$702/mo
Total savings (30yr)$252,720
$1,999/mo vs $2,701/mo (5% down)
Remaining loan: $411K · $38,487 to close
3.76%
FHA
$404,000
4766 Kerry Lynn
Colorado Springs, CO 80922
🛏 3 bed🚿 3 bath📐 2,049 sqft
Monthly savings vs 6.5%$605/mo
Total savings (30yr)$217,800
$1,821/mo vs $2,426/mo (5% down)
Remaining loan: $363K · $39,735 to close
3.06%
VA
$415,000
6773 Galpin
Colorado Springs, CO 80925
🛏 4 bed🚿 3 bath📐 1,994 sqft
Monthly savings vs 6.5%$713/mo
Total savings (30yr)$256,680
$1,779/mo vs $2,492/mo (5% down)
Remaining loan: $375K · $39,766 to close
3.08%
VA
$390,000
6655 Weiser
Colorado Springs, CO 80925
🛏 4 bed🚿 3 bath📐 1,748 sqft
Monthly savings vs 6.5%$702/mo
Total savings (30yr)$252,720
$1,640/mo vs $2,342/mo (5% down)
Remaining loan: $344K · $45,699 to close
3.07%
VA
$394,900
736 Squire
Colorado Springs, CO 80911
🛏 3 bed🚿 2 bath📐 2,577 sqft
Monthly savings vs 6.5%$739/mo
Total savings (30yr)$266,040
$1,632/mo vs $2,371/mo (5% down)
Remaining loan: $350K · $45,922 to close
3.07%
VA
$409,000
5180 Victory
Colorado Springs, CO 80911
🛏 3 bed🚿 2 bath📐 1,518 sqft
Monthly savings vs 6.5%$759/mo
Total savings (30yr)$273,240
$1,697/mo vs $2,456/mo (5% down)
Remaining loan: $363K · $46,063 to close
3.1%
VA
$394,990
9622 Yukon
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 1,640 sqft
Monthly savings vs 6.5%$777/mo
Total savings (30yr)$279,720
$1,595/mo vs $2,372/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $340K · $54,355 to close
3.07%
FHA
$359,950
10191 Roughshod
Colorado Springs, CO 80925
🛏 2 bed🚿 3 bath📐 1,520 sqft
Monthly savings vs 6.5%$741/mo
Total savings (30yr)$266,760
$1,420/mo vs $2,161/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $317K · $56,260 to close
3.06%
VA
$420,000
5915 Mumford
Colorado Springs, CO 80925
🛏 3 bed🚿 3 bath📐 2,099 sqft
Monthly savings vs 6.5%$830/mo
Total savings (30yr)$298,800
$1,692/mo vs $2,522/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $357K · $63,134 to close
3.08%
VA
$428,000
4846 Justeagen
Colorado Springs, CO 80911
🛏 4 bed🚿 3 bath📐 1,940 sqft
Monthly savings vs 6.5%$849/mo
Total savings (30yr)$305,640
$1,721/mo vs $2,570/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $362K · $65,880 to close
3.07%
VA
$479,000
7343 Rosa Belle
Colorado Springs, CO 80922
🛏 3 bed🚿 4 bath📐 1,988 sqft
Monthly savings vs 6.5%$949/mo
Total savings (30yr)$341,640
$1,927/mo vs $2,876/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $411K · $67,767 to close
3.1%
FHA
$399,999
5731 Tramore
Colorado Springs, CO 80927
🛏 3 bed🚿 2 bath📐 1,452 sqft
Monthly savings vs 6.5%$856/mo
Total savings (30yr)$308,160
$1,546/mo vs $2,402/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $330K · $69,105 to close
3.07%
VA
$364,000
5711 Tramore
Colorado Springs, CO 80927
🛏 3 bed🚿 2 bath📐 1,436 sqft
Monthly savings vs 6.5%$806/mo
Total savings (30yr)$290,160
$1,380/mo vs $2,186/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $294K · $69,503 to close
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Colorado Springs Assumable Mortgage FAQ
Can I assume a VA loan if I'm not a veteran?
Yes. VA loans are assumable by any qualified buyer, veteran or not. The seller's VA entitlement stays tied up until the loan is paid off, but the buyer does not need to be a veteran.
How long does an assumption take in Colorado Springs?
FHA assumptions typically take 45-60 days. VA assumptions can run 45-90 days depending on the servicer. ServiceMac, Pentagon Federal, and some others are faster. USAA and Navy Federal are slower.
What's the equity gap and how do I cover it?
The equity gap is the difference between the home's purchase price and the remaining loan balance. You cover it with cash, a second mortgage (HELOC or gap loan), or a gift. Ryan works with lenders who specialize in gap financing.
Are there military-specific assumable deals near Fort Carson?
Fort Carson is surrounded by assumable VA loans in zip codes 80913, 80916, 80911, and 80925. These are some of the best assumptions in the city. Veterans leaving often have 2-4% VA loans.
What does it cost to work with Ryan?
Ryan is a licensed Colorado real estate agent and earns a standard buyer's agent commission paid by the seller. There's no out-of-pocket cost to work with him as your buyer's agent.
Ryan Thomson | The Assumable Guy | CO License #100092341 | (719) 624-3472