Active
49$600,000$201,563 down
- Rate
- 1.99%
6.95%today- Payment
- $1,718/mo
$3,081today
- 5beds
- 4baths
- 3,807sqft
Manitou Springs, Colorado
Assumable homes for salein Manitou Springs, Colorado.
2 homes in Manitou Springs carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.76%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Manitou Springs assumable market
by the numbers.
2active assumable listings
6.76%lowest locked rate
$605kmedian list price
$263saved per month vs. 7.2%
About the market
Assumable mortgagesin Manitou Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Manitou Springs. Updated September 2026.
How assumptions work for buyersManitou Springs, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan and 1 VA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Manitou Springs assumable listings start at 6.76% with a median of 6.85%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Manitou Springs lists for $605,000, with a median of $63,015 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $3,590 a month versus $3,853 for the same balance at today's rate, roughly $263 kept every month and $3,157 a year. The most active Manitou Springs ZIP codes are 80829 (2).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Manitou Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Manitou Springs
View all 2 on the map Homes on the marketin Manitou Springs.
Active
45$600,000$201,563 down
- Rate
- 1.99%
6.95%today- Payment
- $1,718/mo
$3,081today
- 5beds
- 4baths
- 3,807sqft
6364 Galway Drive, Colorado Springs
VATop pick
Active
37$455,000$15,638 down
- Rate
- 2.86%
6.95%today- Payment
- $2,038/mo
$3,257today
- 4beds
- 2baths
- 2,202sqft
3317 Bijou Street, Colorado Springs
VATop pick
Active
48$375,000$22,676 down
- Rate
- 2.65%
6.95%today- Payment
- $1,630/mo
$2,678today
- 4beds
- 3baths
- 2,431sqft
180 Cobblestone Drive, Colorado Springs
VATop pick
Active
33$189,999$12,947 down
- Rate
- 2.80%
6.95%today- Payment
- $818/mo
$1,317today
- 1beds
- 1baths
- 728sqft
900 Saturn Drive #807, Colorado Springs
VATop pick
Active
37$270,000$21,610 down
- Rate
- 2.80%
6.95%today- Payment
- $1,144/mo
$1,844today
- 1beds
- 1baths
- 900sqft
2170 Alicia Point #102, Colorado Springs
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Manitou Springs.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 6.76%
- Median rate
- 6.85%
- Median list price
- $605,000
- Median cash to assume
- $63,015
Manitou Springs listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Manitou Springs listings by loan type
- FHA1 homemedian 6.76%
- VA1 homemedian 6.94%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Manitou Springs ZIP code.
Each ZIP opens the Manitou Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Manitou Springs numbers
What an assumable ratedoes to a Manitou Springs payment.
The sliders start at the median Manitou Springs assumable listing: $605,000 list price and a 6.85% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$65,000
11% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Manitou Springs
$3,711/mo
New loan at 7.20%$3,665
Assumed at 6.85%
$3,711
Every month$0
Over five years$0
Interest you never pay$161,78326-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Manitou Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Manitou Springs
How to assumea mortgage in Manitou Springs.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Manitou Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Manitou Springs map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $63,015 in Manitou Springs today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Manitou Springs payment written in a different decade.
Manitou Springs questions
Assuming a mortgagein Manitou Springs.
The numbers below come from current Manitou Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Manitou Springs?
As of September 2026, UMe tracks 2 active assumable listings in Manitou Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Manitou Springs?
Current Manitou Springs inventory breaks down as FHA (1, median 6.76%) and VA (1, median 6.94%). 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 Manitou Springs?
The lowest rate on an active Manitou Springs assumable listing is 6.76%, and the median across all 2 listings is 6.85%. 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 Manitou Springs?
Across current Manitou Springs listings, the median principal-and-interest payment on the assumable loan is $3,590 per month versus $3,853 for the same balance at today's rates, a difference of about $263 every month, or $3,157 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 Manitou Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Manitou Springs that gap is currently a median of $63,015 on a median list price of $605,000. 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 Manitou Springs ZIP codes have the most assumable homes?
The Manitou Springs ZIP codes with the most active assumable listings are 80829 (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 Manitou Springs?
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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Manitou Springs.The rate is already on the house.
Every listing on the Manitou Springs map has a rate you can take over. Start with the ones in Manitou Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
