VATop pick
Active
44$1,210,000$33,337 down
- Rate
- 2.77%
6.95%today- Payment
- $5,403/mo
$8,738today
- 5beds
- 5baths
- 5,066sqft
Palmer Lake, Colorado
Assumable homes for salein Palmer Lake, Colorado.
1 home in Palmer Lake carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.99%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Palmer Lake assumable market
by the numbers.
1active assumable listing
3.99%lowest locked rate
$570kmedian list price
$755saved per month vs. 7.2%
About the market
Assumable mortgagesin Palmer Lake, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Palmer Lake. Updated September 2026.
How assumptions work for buyersPalmer Lake, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 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 Palmer Lake assumable listings start at 3.99% with a median of 3.99%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Palmer Lake lists for $570,000, with a median of $293,227 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 $1,610 a month versus $2,365 for the same balance at today's rate, roughly $755 kept every month and $9,065 a year. The most active Palmer Lake ZIP codes are 80133 (1).
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 Palmer Lake assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Palmer Lake
View all 1 on the map Homes on the marketin Palmer Lake.
VATop pick
Active
42$1,210,000$28,377 down
- Rate
- 3.01%
6.95%today- Payment
- $5,572/mo
$8,738today
- 5beds
- 5baths
- 5,066sqft
18910 Archers Drive, Monument
VA
Active
27$560,000$88,086 down
- Rate
- 2.87%
6.95%today- Payment
- $2,196/mo
$3,506today
- 3beds
- 2baths
- 2,048sqft
600 Spruce Street, Woodland Park
FHA
Active
33$349,900$70,585 down
- Rate
- 2.87%
6.95%today- Payment
- $1,303/mo
$2,080today
- 2beds
- 2baths
- 1,440sqft
560 Manor Court, Woodland Park
VA
Active
30$355,500$12,157 down
- Rate
- 3.92%
6.95%today- Payment
- $1,773/mo
$2,482today
- 3beds
- 3baths
- 1,486sqft
17136 Silent Forest Point, Monument
VA
Active
28$499,900$125,401 down
- Rate
- 2.66%
6.95%today- Payment
- $1,735/mo
$2,846today
- 4beds
- 3baths
- 1,784sqft
16315 Windy Creek Drive, Monument
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 Palmer Lake.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.99%
- Median rate
- 3.99%
- Median list price
- $570,000
- Median cash to assume
- $293,227
Palmer Lake listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Palmer Lake listings by loan type
- VA1 homemedian 3.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Palmer Lake ZIP code.
Each ZIP opens the Palmer Lake map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Palmer Lake numbers
What an assumable ratedoes to a Palmer Lake payment.
The sliders start at the median Palmer Lake assumable listing: $570,000 list price and a 3.99% 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)$295,000
52% 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 Palmer Lake
$1,419/mo
New loan at 7.20%$1,867
Assumed at 4.00%
$1,419
Every month$448
Over five years$26,852
Interest you never pay$229,23026-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 Palmer Lake listing on UMe shows the actual balance, rate, and payment.
How it works in Palmer Lake
How to assumea mortgage in Palmer Lake.
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 Palmer Lake home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Palmer Lake 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 $293,227 in Palmer Lake 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 Palmer Lake payment written in a different decade.
Palmer Lake questions
Assuming a mortgagein Palmer Lake.
The numbers below come from current Palmer Lake inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Palmer Lake?
As of September 2026, UMe tracks 1 active assumable listing in Palmer Lake. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Palmer Lake?
Current Palmer Lake inventory breaks down as VA (1, median 3.99%). 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 Palmer Lake?
The lowest rate on an active Palmer Lake assumable listing is 3.99%, and the median across all 1 listing is 3.99%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Palmer Lake?
Across current Palmer Lake listings, the median principal-and-interest payment on the assumable loan is $1,610 per month versus $2,365 for the same balance at today's rates, a difference of about $755 every month, or $9,065 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 Palmer Lake?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Palmer Lake that gap is currently a median of $293,227 on a median list price of $570,000. 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 Palmer Lake ZIP codes have the most assumable homes?
The Palmer Lake ZIP codes with the most active assumable listings are 80133 (1). 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 Palmer Lake?
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 Palmer Lake.The rate is already on the house.
Every listing on the Palmer Lake map has a rate you can take over. Start with the ones in Palmer Lake, get pre-qualified in minutes, and let UMe carry the assumption to closing.
