VATop pick
Active
50$549,900$45,724 down
- Rate
- 3.09%
7.03%today- Payment
- $2,399/mo
$3,753today
- 2beds
- 3baths
- 1,921sqft
Castle Rock, Colorado
Assumable homes for salein Castle Rock, Colorado.
6 homes in Castle Rock carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.71%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Castle Rock assumable market
by the numbers.
6active assumable listings
2.71%lowest locked rate
$537kmedian list price
$1,142saved per month vs. 7.2%
About the market
Assumable mortgagesin Castle Rock, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Castle Rock. Updated September 2026.
How assumptions work for buyersCastle Rock, Colorado has 6 homes for sale with an assumable mortgage as of September 2026: 5 VA loans and 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Castle Rock assumable listings start at 2.71% with a median of 2.98%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Castle Rock lists for $537,450, with a median of $109,454 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,632 a month versus $3,774 for the same balance at today's rate, roughly $1,142 kept every month and $13,704 a year. The most active Castle Rock ZIP codes are 80109 (4) and 80104 (2).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Castle Rock assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Castle Rock
View all 6 on the map Homes on the marketin Castle Rock.
VA
Active
34$799,999$183,510 down
- Rate
- 2.86%
7.03%today- Payment
- $2,866/mo
$4,618today
- 6beds
- 3baths
- 3,939sqft
395 Dawson Court, Castle Rock
FHA
Active
40$419,000$173,184 down
- Rate
- 2.71%
7.03%today- Payment
- $1,148/mo
$1,886today
- 3beds
- 3baths
- 1,571sqft
1486 Nemrick Place, Castle Rock
VA
Active
$480,000$208,039 down
- Rate
- 2.88%
7.03%today- Payment
- $1,300/mo
$2,089today
- 2beds
- 3baths
- 1,503sqft
4298 Meadows Drive, Castle Rock
VA
Active
50$1,149,000$518,406 down
- Rate
- 3.78%
7.03%today- Payment
- $3,393/mo
$4,871today
- 4beds
- 4baths
- 3,980sqft
5596 Osage Way, Larkspur
VA
Active
33$669,900$25,619 down
- Rate
- 6.67%
7.03%today- Payment
- $4,266/mo
$4,425today
- 6beds
- 5baths
- 4,328sqft
2317 Cactus Bloom Court, Castle Rock
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Castle Rock.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 2.71%
- Median rate
- 2.98%
- Median list price
- $537,450
- Median cash to assume
- $109,454
Castle Rock listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Castle Rock listings by loan type
- VA5 homesmedian 3.09%
- FHA1 homemedian 2.71%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Castle Rock ZIP code.
Each ZIP opens the Castle Rock map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Castle Rock numbers
What an assumable ratedoes to a Castle Rock payment.
The sliders start at the median Castle Rock assumable listing: $537,450 list price and a 2.98% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$105,000
20% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Castle Rock
$1,987/mo
New loan at 7.20%$2,919
Assumed at 3.00%
$1,987
Every month$932
Over five years$55,936
Interest you never pay$430,97026-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Castle Rock listing on UMe shows the actual balance, rate, and payment.
How it works in Castle Rock
How to assumea mortgage in Castle Rock.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Castle Rock home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Castle Rock map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $109,454 in Castle Rock today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Castle Rock payment written in a different decade.
Castle Rock questions
Assuming a mortgagein Castle Rock.
The numbers below come from current Castle Rock inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Castle Rock?
As of September 2026, UMe tracks 6 active assumable listings in Castle Rock. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Castle Rock?
Current Castle Rock inventory breaks down as VA (5, median 3.09%) and FHA (1, median 2.71%). 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 Castle Rock?
The lowest rate on an active Castle Rock assumable listing is 2.71%, and the median across all 6 listings is 2.98%. 4 listings are under 4% and 4 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 Castle Rock?
Across current Castle Rock listings, the median principal-and-interest payment on the assumable loan is $2,632 per month versus $3,774 for the same balance at today's rates, a difference of about $1,142 every month, or $13,704 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 Castle Rock?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Castle Rock that gap is currently a median of $109,454 on a median list price of $537,450. 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 Castle Rock ZIP codes have the most assumable homes?
The Castle Rock ZIP codes with the most active assumable listings are 80109 (4) and 80104 (2). 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 Castle Rock?
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 Castle Rock.The rate is already on the house.
Every listing on the Castle Rock map has a rate you can take over. Start with the ones in Castle Rock, get pre-qualified in minutes, and let UMe carry the assumption to closing.
