388 Homes with
Assumable Mortgages
Stop paying 7% when sellers are offering 2.20%. Every listing below lets you step into an existing low-rate loan ā and keep it for the life of your mortgage.
Military Hub
Fort Carson, Peterson, Schriever, and the Air Force Academy surround Colorado Springs. Thousands of VA loans are assumable by anyone ā you don't need to be a veteran.
Real Savings
These 388 listings save buyers a combined $353K/month vs getting a new loan today. That's $4237K+ per year staying in buyers' pockets.
How It Works
The seller transfers their existing loan ā rate, balance, and terms ā directly into your name. The lender approves you. You pay the equity gap. You keep their rate for life.
All 388 Colorado Springs Listings
Sorted by lowest rate first. Updated daily from the MLS.
Found Something You Like?
Ryan will walk you through the assumption process, run the numbers, and help you move fast before someone else grabs it.
Get the Full Colorado List
802 active assumable listings, updated daily
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 ā 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