2.83% FHA
$264,500
$1,049/mo
204 Park Street
Sterling, CO
4 bd2 ba2,790 sqft
Atwood, Colorado
Keep the rate.
Buy the home in Atwood.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Atwood.
Avg. assumable rate
2.85%
vs 7.2% market
$504/mo saved
Average locked rate
2.85%
Across 6 assumable listings
Typical monthly savings
$504
On a $237,250 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 Atwood
Homes with a rate worth keeping
3.05% FHA
$275,000
$1,104/mo
213 Logan Street
Sterling, CO
4 bd3 ba2,092 sqft
2.74% FHA
$199,000
$745/mo
201 Beech Street
Sterling, CO
3 bd3 ba1,486 sqft
2.67% FHA
$235,000
$754/mo
1403 11th Avenue
Sterling, CO
2 bd3 ba1,544 sqft
2.84% FHA
$275,000
$820/mo
602 Delmar Street
Sterling, CO
4 bd2 ba2,298 sqft
2.96% FHA
$175,000
$597/mo
402 Cleveland Street
Sterling, CO
2 bd1 ba1,013 sqft
Nearby markets
More assumable homes in Colorado
- Aurora390
- Denver361
- Colorado Springs329
- Commerce City112
- Castle Rock101
- Littleton98
- Greeley95
- Brighton81
- Parker80
- Thornton65
- Longmont59
- Arvada58
- Fort Collins50
- Johnstown44
- Pueblo42
- Lakewood41
- Peyton40
- Westminster38
- Broomfield36
- Monument35
- Loveland30
- Elizabeth26
- Fort Lupton25
- Fountain25
Run your numbers
The cost of waiting in Atwood.
A 7.2% new loan against an assumable one at 2.85%, same balance, 30 years.
You keep every month
$499/mo
Over a year$5,984
Monthly payment, side by side
7.2% vs 2.85%
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 Atwood
Numbers below come from current Atwood inventory and update as listings change.
- Are there assumable homes for sale in Atwood?
- As of September 2026, there are no verified assumable listings in Atwood. New assumable homes appear every week across Colorado; save a search on the map and we will email you when one lands in Atwood.
- What types of loans can be assumed in Atwood?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Colorado. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Atwood?
- 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 Atwood.
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.
