2.96% FHA
$598,400
$2,238/mo
217 5th Avenue
Lyons, CO
2 bd2 ba1,220 sqft
Jamestown, Colorado
Keep the rate.
Buy the home in Jamestown.
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 Jamestown.
Avg. assumable rate
5.12%
vs 7.2% market
$851/mo saved
Average locked rate
5.12%
Across 6 assumable listings
Typical monthly savings
$851
On a $789,067 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Jamestown
Homes with a rate worth keeping
2.38% VA
$1,998,000
$2,202/mo
2040 Oak Avenue
Boulder, CO
5 bd4 ba3,631 sqft
7.62% FHA
$490,000
$3,174/mo
1850 Folsom Street
Boulder, CO
1 bd1 ba801 sqft
4.96% FHA
$495,000
$432/mo
815 Alpine Avenue
Boulder, CO
2 bd1 ba872 sqft
5.00% FHA
$753,000
$1,505/mo
239 Estes Park Estates Drive
Lyons, CO
3 bd2 ba1,676 sqft
7.78% FHA
$400,000
$640/mo
3515 28th Street
Boulder, CO
2 bd2 ba830 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 Jamestown.
A 7.2% new loan against an assumable one at 5.12%, same balance, 30 years.
You keep every month
$851/mo
Over a year$10,209
Monthly payment, side by side
7.2% vs 5.12%
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 Jamestown
Numbers below come from current Jamestown inventory and update as listings change.
- Are there assumable homes for sale in Jamestown?
- As of September 2026, there are no verified assumable listings in Jamestown. New assumable homes appear every week across Colorado; save a search on the map and we will email you when one lands in Jamestown.
- What types of loans can be assumed in Jamestown?
- 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 Jamestown?
- 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 Jamestown.
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.
