2.88% FHA
Certified
$725,000
$2,520/mo
7514 Blue Water Drive
Castle Rock, CO
6 bd4 ba3,271 sqft
Castle Rock, Colorado
Keep the rate.
Buy the home in Castle Rock.
108 assumable homes for sale in Castle Rock, with locked rates from 2.25%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.76%
vs 7.2% market
$1,161/mo saved
Median locked rate
3.76%
Across 108 assumable listings
Typical monthly savings
$1,161
On a $612,500 home vs 7.2%
Certified listings
2
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Castle Rock
Homes with a rate worth keeping
3.34% FHA
Certified
$835,000
$2,317/mo
7132 Bandit Drive
Castle Rock, CO
5 bd5 ba4,727 sqft
2.94% VA
$784,999
$3,467/mo
1990 Treetop Drive
Castle Rock, CO
6 bd4 ba3,968 sqft
2.99% VA
$565,000
$2,455/mo
2825 Merry Rest Way
Castle Rock, CO
3 bd3 ba1,514 sqft
2.99% VA
$354,990
$1,583/mo
9318 Las Ramblas Court
Parker, CO
2 bd2 ba1,286 sqft
3.00% VA
$784,999
$3,494/mo
1990 Treetop Drive
Castle Rock, CO
6 bd4 ba3,968 sqft
Inventory snapshot
What’s assumable in Castle Rock right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 108
- Certified / verified
- 2
- Lowest rate
- 2.25%
- Median rate
- 3.76%
- Median list price
- $612,500
- Median cash to assume
- $179,171
Listings by locked rate
- Under 4%57 homes
- 4% – 5%13 homes
- 5% – 6%6 homes
- 6% and up32 homes
Listings by loan type
- FHA57 homesmedian 4.17%
- VA51 homesmedian 3.47%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Castle Rock ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,260
- Aurora402
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City113
- Littleton97
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton64
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Castle Rock.
A 7.2% new loan against an assumable one at 3.76%, same balance, 30 years.
You keep every month
$1,058/mo
Over a year$12,700
Monthly payment, side by side
7.2% vs 3.76%
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 Castle Rock
Numbers below come from current Castle Rock inventory and update as listings change.
- How many assumable homes are for sale in Castle Rock?
- As of September 2026, UMe tracks 108 active assumable listings in Castle Rock. 2 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. 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 FHA (57, median 4.17%) and VA (51, median 3.47%). 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 right now?
- The lowest rate on an active Castle Rock assumable listing is 2.25%, and the median across all 108 listings is 3.76%. 57 listings are under 4% and 70 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 $2,479 per month versus $3,641 for the same balance at today's rates, a difference of about $1,161 every month, or $13,936 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 $179,171 on a median list price of $612,500. 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 80104 (56), 80109 (27), and 80108 (25). 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.
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.
