2.94% FHA
$335,000
$1,517/mo
1912 Greenwood Street
Pueblo, CO
4 bd2 ba2,264 sqft
Pueblo, Colorado
Keep the rate.
Buy the home in Pueblo.
102 assumable homes for sale in Pueblo, with locked rates from 2.40%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.28%
vs 7.2% market
$369/mo saved
Median locked rate
6.28%
Across 102 assumable listings
Typical monthly savings
$369
On a $296,950 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 Pueblo
Homes with a rate worth keeping
3.09% VA
$394,000
$1,985/mo
1470 Purcell Boulevard
Pueblo West, CO
5 bd3 ba3,100 sqft
3.05% FHA
$269,999
$1,146/mo
72 Hanson Lane
Pueblo, CO
4 bd2 ba1,757 sqft
2.90% VA
$389,900
$1,554/mo
965 Cimarron Drive
Pueblo, CO
5 bd2 ba2,330 sqft
2.98% VA
$184,999
$736/mo
1021 West Street
Pueblo, CO
3 bd1 ba919 sqft
3.09% VA
$369,999
$1,549/mo
5101 Goldking Road
Pueblo, CO
4 bd3 ba3,124 sqft
Inventory snapshot
What’s assumable in Pueblo right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 102
- Certified / verified
- 0
- Lowest rate
- 2.40%
- Median rate
- 6.28%
- Median list price
- $296,950
- Median cash to assume
- $43,699
Listings by locked rate
- Under 4%29 homes
- 4% – 5%5 homes
- 5% – 6%12 homes
- 6% and up55 homes
Listings by loan type
- VA62 homesmedian 6.36%
- FHA40 homesmedian 5.54%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Pueblo ZIP code
- 81001
25 assumable homes · median 6.30%
median $275,000
- 81004
18 assumable homes · median 5.59%
median $222,000
- 81007
17 assumable homes · median 6.02%
median $389,900
- 81003
15 assumable homes · median 6.60%
median $220,000
- 81008
14 assumable homes · median 6.50%
median $339,500
- 81005
13 assumable homes · median 6.02%
median $299,000
Nearby markets
More assumable homes in Colorado
- Colorado Springs932
- Peyton116
- Fountain90
- Monument45
- Pueblo West26
- Calhan22
- Florissant20
- Aurora15
- Woodland Park15
- Divide7
- Castle Rock6
- Cripple Creek6
- Yoder6
- Manitou Springs5
- Cascade4
- Rush4
- Brighton3
- Denver3
- Elbert3
- Larkspur3
- Longmont3
- Simla3
- Beulah2
- Alma
Run your numbers
The cost of waiting in Pueblo.
A 7.2% new loan against an assumable one at 6.28%, same balance, 30 years.
You keep every month
$144/mo
Over a year$1,731
Monthly payment, side by side
7.2% vs 6.28%
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 Pueblo
Numbers below come from current Pueblo inventory and update as listings change.
- How many assumable homes are for sale in Pueblo?
- As of September 2026, UMe tracks 102 active assumable listings in Pueblo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Pueblo?
- Current Pueblo inventory breaks down as VA (62, median 6.36%) and FHA (40, median 5.54%). 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 Pueblo right now?
- The lowest rate on an active Pueblo assumable listing is 2.40%, and the median across all 102 listings is 6.28%. 29 listings are under 4% and 34 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 Pueblo?
- Across current Pueblo listings, the median principal-and-interest payment on the assumable loan is $1,480 per month versus $1,849 for the same balance at today's rates, a difference of about $369 every month, or $4,434 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 Pueblo?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pueblo that gap is currently a median of $43,699 on a median list price of $296,950. 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 Pueblo ZIP codes have the most assumable homes?
- The Pueblo ZIP codes with the most active assumable listings are 81001 (25), 81004 (18), 81007 (17), 81003 (15), and 81008 (14). 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 Pueblo?
- 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 Pueblo.
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.
