Keep the rate.
Buy the home in Hesperus.
1 assumable home for sale in Hesperus, with locked rates from 2.90%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
2.90%
vs 7.2% market
$549/mo saved
Median locked rate
2.90%
Across 1 assumable listing
Typical monthly savings
$549
On a $284,800 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in Hesperus
Homes with a rate worth keeping
No verified assumables in Hesperus right now.
New ones land weekly. Search the full map or set an alert.
Inventory snapshot
What’s assumable in Hesperus right now
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 2.90%
- Median rate
- 2.90%
- Median list price
- $284,800
- Median cash to assume
- $117,549
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Listings by loan type
- VA1 homemedian 2.90%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Hesperus ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,238
- Aurora404
- Denver364
- Peyton155
- Pueblo141
- Fountain113
- 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 Hesperus.
A 7.2% new loan against an assumable one at 2.90%, same balance, 30 years.
You keep every month
Monthly payment, side by side
7.2% vs 2.90%
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 Hesperus
Numbers below come from current Hesperus inventory and update as listings change.
- How many assumable homes are for sale in Hesperus?
- As of August 2026, UMe tracks 1 active assumable listing in Hesperus. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Hesperus?
- Current Hesperus inventory breaks down as VA (1, median 2.90%). 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 Hesperus right now?
- The lowest rate on an active Hesperus assumable listing is 2.90%, and the median across all 1 listing is 2.90%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Hesperus?
- Across current Hesperus listings, the median principal-and-interest payment on the assumable loan is $803 per month versus $1,351 for the same balance at today's rates, a difference of about $549 every month, or $6,582 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 Hesperus?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hesperus that gap is currently a median of $117,549 on a median list price of $284,800. 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 Hesperus ZIP codes have the most assumable homes?
- The Hesperus ZIP codes with the most active assumable listings are 81326 (1). 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 Hesperus?
- 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 Hesperus.
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.
