2.87% FHA
$345,000
$1,507/mo
6607 4th St Rd
Greeley, CO
3 bd3 ba1,918 sqft
Johnstown, Colorado
Keep the rate.
Buy the home in Johnstown.
44 assumable homes for sale in Johnstown, with locked rates from 2.81%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.75%
vs 7.2% market
$783/mo saved
Median locked rate
5.75%
Across 44 assumable listings
Typical monthly savings
$783
On a $474,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Johnstown
Homes with a rate worth keeping
2.90% FHA
$425,000
$1,696/mo
2504 Carriage Drive
Milliken, CO
3 bd3 ba1,447 sqft
2.98% FHA
$436,500
$1,652/mo
309 Lincoln Avenue
Platteville, CO
4 bd3 ba3,358 sqft
2.98% FHA
$415,000
$1,602/mo
821 Village Drive
Milliken, CO
3 bd2 ba1,231 sqft
3.07% VA
$475,000
$1,850/mo
8611 18th Street
Greeley, CO
5 bd3 ba2,960 sqft
3.07% FHA
$545,000
$2,091/mo
1875 Rancher Drive
Milliken, CO
3 bd3 ba2,195 sqft
Inventory snapshot
What’s assumable in Johnstown right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 44
- Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 5.75%
- Median list price
- $474,900
- Median cash to assume
- $86,666
Listings by locked rate
- Under 4%16 homes
- 4% – 5%3 homes
- 5% – 6%4 homes
- 6% and up21 homes
Listings by loan type
- FHA29 homesmedian 5.25%
- VA15 homesmedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Johnstown 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
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Johnstown.
A 7.2% new loan against an assumable one at 5.75%, same balance, 30 years.
You keep every month
$362/mo
Over a year$4,342
Monthly payment, side by side
7.2% vs 5.75%
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 Johnstown
Numbers below come from current Johnstown inventory and update as listings change.
- How many assumable homes are for sale in Johnstown?
- As of September 2026, UMe tracks 44 active assumable listings in Johnstown. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Johnstown?
- Current Johnstown inventory breaks down as FHA (29, median 5.25%) and VA (15, median 6.35%). 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 Johnstown right now?
- The lowest rate on an active Johnstown assumable listing is 2.81%, and the median across all 44 listings is 5.75%. 16 listings are under 4% and 19 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 Johnstown?
- Across current Johnstown listings, the median principal-and-interest payment on the assumable loan is $2,209 per month versus $2,992 for the same balance at today's rates, a difference of about $783 every month, or $9,394 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 Johnstown?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Johnstown that gap is currently a median of $86,666 on a median list price of $474,900. 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 Johnstown ZIP codes have the most assumable homes?
- The Johnstown ZIP codes with the most active assumable listings are 80534 (44). 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 Johnstown?
- 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 Johnstown.
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.
