VA
Active
44$724,000$137,354 down
- Rate
- 3.11%
7.03%today- Payment
- $2,779/mo
$4,338today
- 3beds
- 3baths
- 2,417sqft
Florissant, Colorado
Assumable homes for salein Florissant, Colorado.
21 homes in Florissant carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Florissant assumable market
by the numbers.
21active assumable listings
2.72%lowest locked rate
$499kmedian list price
$570saved per month vs. 7.2%
About the market
Assumable mortgagesin Florissant, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Florissant. Updated September 2026.
How assumptions work for buyersFlorissant, Colorado has 21 homes for sale with an assumable mortgage as of September 2026: 11 VA loans and 10 FHA loans 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 Florissant assumable listings start at 2.72% with a median of 5.27%; 7 listings are under 4% and 8 are under 5%.
The median assumable home in Florissant lists for $499,000, with a median of $105,597 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 $2,201 a month versus $2,771 for the same balance at today's rate, roughly $570 kept every month and $6,840 a year. The most active Florissant ZIP codes are 80816 (21).
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 Florissant assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Florissant
View all 21 on the map Homes on the marketin Florissant.
VA
Active
31$399,000$103,395 down
- Rate
- 3.13%
7.03%today- Payment
- $1,461/mo
$2,275today
- 3beds
- 3baths
- 1,899sqft
1625 Mountain Estates Road, Florissant
VA
Active
50$740,000$250,797 down
- Rate
- 3.05%
7.03%today- Payment
- $2,249/mo
$3,575today
- 3beds
- 3baths
- 3,268sqft
191 Strong Drive, Cripple Creek
VA
Active
49$549,000$174,802 down
- Rate
- 3.11%
7.03%today- Payment
- $1,777/mo
$2,773today
- 3beds
- 3baths
- 2,028sqft
127 Carlton Circle, Florissant
FHA
Active
43$399,000$196,474 down
- Rate
- 2.72%
7.03%today- Payment
- $947/mo
$1,554today
- 2beds
- 2baths
- 1,659sqft
891 Mountain Estates Road, Florissant
FHA
Active
48$550,000$350,138 down
- Rate
- 2.86%
7.03%today- Payment
- $1,084/mo
$1,667today
- 4beds
- 2baths
- 1,682sqft
34 Fetlock Circle, Florissant
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 Florissant.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 21
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 5.27%
- Median list price
- $499,000
- Median cash to assume
- $105,597
Florissant listings by locked rate
- Under 4%7 homes
- 4% – 5%1 home
- 5% – 6%4 homes
- 6% and up9 homes
Florissant listings by loan type
- VA11 homesmedian 6.00%
- FHA10 homesmedian 5.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Florissant ZIP code.
Each ZIP opens the Florissant map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Florissant numbers
What an assumable ratedoes to a Florissant payment.
The sliders start at the median Florissant assumable listing: $499,000 list price and a 5.27% 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
21% 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 Florissant
$2,323/mo
New loan at 7.20%$2,681
Assumed at 5.25%
$2,323
Every month$358
Over five years$21,481
Interest you never pay$240,40126-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 Florissant listing on UMe shows the actual balance, rate, and payment.
How it works in Florissant
How to assumea mortgage in Florissant.
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 Florissant home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Florissant 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 $105,597 in Florissant 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 Florissant payment written in a different decade.
Florissant questions
Assuming a mortgagein Florissant.
The numbers below come from current Florissant inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Florissant?
As of September 2026, UMe tracks 21 active assumable listings in Florissant. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Florissant?
Current Florissant inventory breaks down as VA (11, median 6.00%) and FHA (10, median 5.04%). 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 Florissant?
The lowest rate on an active Florissant assumable listing is 2.72%, and the median across all 21 listings is 5.27%. 7 listings are under 4% and 8 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 Florissant?
Across current Florissant listings, the median principal-and-interest payment on the assumable loan is $2,201 per month versus $2,771 for the same balance at today's rates, a difference of about $570 every month, or $6,840 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 Florissant?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Florissant that gap is currently a median of $105,597 on a median list price of $499,000. 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 Florissant ZIP codes have the most assumable homes?
The Florissant ZIP codes with the most active assumable listings are 80816 (21). 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 Florissant?
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 Florissant.The rate is already on the house.
Every listing on the Florissant map has a rate you can take over. Start with the ones in Florissant, get pre-qualified in minutes, and let UMe carry the assumption to closing.
