2.84% VA
$390,000
$1,800/mo
9723 Borderpine Way
Colorado Springs, CO
3 bd3 ba1,818 sqft
Fountain, Colorado
Keep the rate.
Buy the home in Fountain.
115 assumable homes for sale in Fountain, with locked rates from 2.70%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.04%
vs 7.2% market
$768/mo saved
Median locked rate
5.04%
Across 115 assumable listings
Typical monthly savings
$768
On a $419,900 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 Fountain
Homes with a rate worth keeping
2.86% VA
$390,000
$1,805/mo
9723 Borderpine Way
Colorado Springs, CO
3 bd3 ba1,818 sqft
2.87% VA
$390,000
$1,740/mo
1623 James Circle
Colorado Springs, CO
4 bd3 ba1,890 sqft
2.90% VA
$438,000
$2,024/mo
10758 Witcher Drive
Colorado Springs, CO
4 bd3 ba1,982 sqft
2.93% VA
$489,500
$2,195/mo
6876 Volga Drive
Colorado Springs, CO
5 bd3 ba2,743 sqft
2.98% VA
$390,000
$1,761/mo
6773 Galpin Drive
Colorado Springs, CO
4 bd3 ba1,994 sqft
Inventory snapshot
What’s assumable in Fountain right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 115
- Certified / verified
- 0
- Lowest rate
- 2.70%
- Median rate
- 5.04%
- Median list price
- $419,900
- Median cash to assume
- $69,004
Listings by locked rate
- Under 4%53 homes
- 4% – 5%4 homes
- 5% – 6%7 homes
- 6% and up50 homes
Listings by loan type
- VA100 homesmedian 4.61%
- FHA15 homesmedian 6.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Fountain ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Fountain.
A 7.2% new loan against an assumable one at 5.04%, same balance, 30 years.
You keep every month
$469/mo
Over a year$5,625
Monthly payment, side by side
7.2% vs 5.04%
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 Fountain
Numbers below come from current Fountain inventory and update as listings change.
- How many assumable homes are for sale in Fountain?
- As of September 2026, UMe tracks 115 active assumable listings in Fountain. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Fountain?
- Current Fountain inventory breaks down as VA (100, median 4.61%) and FHA (15, median 6.30%). 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 Fountain right now?
- The lowest rate on an active Fountain assumable listing is 2.70%, and the median across all 115 listings is 5.04%. 53 listings are under 4% and 57 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 Fountain?
- Across current Fountain listings, the median principal-and-interest payment on the assumable loan is $1,854 per month versus $2,622 for the same balance at today's rates, a difference of about $768 every month, or $9,214 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 Fountain?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fountain that gap is currently a median of $69,004 on a median list price of $419,900. 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 Fountain ZIP codes have the most assumable homes?
- The Fountain ZIP codes with the most active assumable listings are 80817 (115). 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 Fountain?
- 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 Fountain.
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.
