2.81% VA
$724,000
$2,245/mo
455 Satanta Circle
Westcliffe, CO
4 bd3 ba2,616 sqft
Westcliffe, Colorado
Keep the rate.
Buy the home in Westcliffe.
11 assumable homes for sale in Westcliffe, with locked rates from 2.35%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.07%
vs 7.2% market
$1,578/mo saved
Median locked rate
3.07%
Across 11 assumable listings
Typical monthly savings
$1,578
On a $799,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Westcliffe
Homes with a rate worth keeping
2.35% VA
$725,000
$3,428/mo
50 Shawnee Trail
Westcliffe, CO
3 bd3 ba2,805 sqft
2.68% FHA
$875,000
$933/mo
50374 HWY 69
Westcliffe, CO
4 bd3 ba4,228 sqft
2.90% VA
$599,900
$1,340/mo
595 Dead Mule Lane
Westcliffe, CO
3 bd2 ba2,120 sqft
3.07% VA
$1,650,000
$1,808/mo
723 Chalice Drive
Westcliffe, CO
4 bd3 ba2,861 sqft
3.62% VA
$395,000
$1,048/mo
2863 CR 215
Westcliffe, CO
3 bd2 ba1,808 sqft
Inventory snapshot
What’s assumable in Westcliffe right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 11
- Certified / verified
- 0
- Lowest rate
- 2.35%
- Median rate
- 3.07%
- Median list price
- $799,900
- Median cash to assume
- $265,993
Listings by locked rate
- Under 4%7 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up4 homes
Listings by loan type
- VA10 homesmedian 3.35%
- FHA1 homemedian 2.68%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Westcliffe ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
Run your numbers
The cost of waiting in Westcliffe.
A 7.2% new loan against an assumable one at 3.07%, same balance, 30 years.
You keep every month
$1,622/mo
Over a year$19,461
Monthly payment, side by side
7.2% vs 3.07%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Westcliffe
Numbers below come from current Westcliffe inventory and update as listings change.
- How many assumable homes are for sale in Westcliffe?
- As of September 2026, UMe tracks 11 active assumable listings in Westcliffe. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Westcliffe?
- Current Westcliffe inventory breaks down as VA (10, median 3.35%) and FHA (1, median 2.68%). 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 Westcliffe right now?
- The lowest rate on an active Westcliffe assumable listing is 2.35%, and the median across all 11 listings is 3.07%. 7 listings are under 4% and 7 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 Westcliffe?
- Across current Westcliffe listings, the median principal-and-interest payment on the assumable loan is $2,245 per month versus $3,822 for the same balance at today's rates, a difference of about $1,578 every month, or $18,932 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 Westcliffe?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Westcliffe that gap is currently a median of $265,993 on a median list price of $799,900. 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 Westcliffe ZIP codes have the most assumable homes?
- The Westcliffe ZIP codes with the most active assumable listings are 81252 (11). 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 Westcliffe?
- 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 Westcliffe.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
