2.96% FHA
$495,000
$1,812/mo
832 Vernon Drive
Central City, CO
3 bd4 ba2,108 sqft
Nederland, Colorado
Keep the rate.
Buy the home in Nederland.
2 assumable homes for sale in Nederland, with locked rates from 5.23%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.23%
vs 7.2% market
$557/mo saved
Median locked rate
5.23%
Across 2 assumable listings
Typical monthly savings
$557
On a $365,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Nederland
Homes with a rate worth keeping
3.06% FHA
$545,000
$1,806/mo
1263 Nevadaville Road
Central City, CO
4 bd3 ba2,301 sqft
2.88% VA
$1,350,000
$3,411/mo
800 Divide View Drive
Golden, CO
4 bd3 ba3,240 sqft
3.41% FHA
$499,000
$593/mo
301 Genevas Way
Black Hawk, CO
1 bd1 ba1,272 sqft
3.50% FHA
$664,900
$1,252/mo
798 Dory Lakes Drive
Black Hawk, CO
3 bd3 ba2,421 sqft
3.50% FHA
$664,900
$1,252/mo
798 Dory Lakes Drive
Black Hawk, CO
3 bd3 ba2,421 sqft
Inventory snapshot
What’s assumable in Nederland right now
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 5.23%
- Median rate
- 5.23%
- Median list price
- $365,000
- Median cash to assume
- $24,101
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up0 homes
Listings by loan type
- FHA2 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Nederland 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 Nederland.
A 7.2% new loan against an assumable one at 5.23%, same balance, 30 years.
You keep every month
$373/mo
Over a year$4,479
Monthly payment, side by side
7.2% vs 5.23%
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 Nederland
Numbers below come from current Nederland inventory and update as listings change.
- How many assumable homes are for sale in Nederland?
- As of August 2026, UMe tracks 2 active assumable listings in Nederland. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Nederland?
- Current Nederland inventory breaks down as FHA (2, median 5.23%). 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 Nederland right now?
- The lowest rate on an active Nederland assumable listing is 5.23%, and the median across all 2 listings is 5.23%. 0 listings are under 4% and 0 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 Nederland?
- Across current Nederland listings, the median principal-and-interest payment on the assumable loan is $2,050 per month versus $2,607 for the same balance at today's rates, a difference of about $557 every month, or $6,682 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 Nederland?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Nederland that gap is currently a median of $24,101 on a median list price of $365,000. 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 Nederland ZIP codes have the most assumable homes?
- The Nederland ZIP codes with the most active assumable listings are 80466 (2). 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 Nederland?
- 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 Nederland.
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.
