3.12% VA
$240,000
$1,391/mo
2 Meadow Lane
Swink, CO
3 bd3 ba2,413 sqft
La Junta, Colorado
Keep the rate.
Buy the home in La Junta.
1 assumable home for sale in La Junta, with locked rates from 6.35%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.35%
vs 7.2% market
$188/mo saved
Median locked rate
6.35%
Across 1 assumable listing
Typical monthly savings
$188
On a $197,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in La Junta
Homes with a rate worth keeping
6.92% VA
$385,500
$2,394/mo
305 Kimble Avenue
Swink, CO
4 bd2 ba2,294 sqft
6.35% VA
$197,500
$1,493/mo
604 Polk Street
La Junta, CO
3 bd2 ba1,836 sqft
Inventory snapshot
What’s assumable in La Junta right now
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.35%
- Median rate
- 6.35%
- Median list price
- $197,500
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- VA1 homemedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by La Junta ZIP code
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 La Junta.
A 7.2% new loan against an assumable one at 6.35%, same balance, 30 years.
You keep every month
$90/mo
Over a year$1,086
Monthly payment, side by side
7.2% vs 6.35%
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 La Junta
Numbers below come from current La Junta inventory and update as listings change.
- How many assumable homes are for sale in La Junta?
- As of August 2026, UMe tracks 1 active assumable listing in La Junta. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in La Junta?
- Current La Junta inventory breaks down as VA (1, median 6.35%). 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 La Junta right now?
- The lowest rate on an active La Junta assumable listing is 6.35%, and the median across all 1 listing is 6.35%. 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 La Junta?
- Across current La Junta listings, the median principal-and-interest payment on the assumable loan is $1,493 per month versus $1,681 for the same balance at today's rates, a difference of about $188 every month, or $2,256 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- Which La Junta ZIP codes have the most assumable homes?
- The La Junta ZIP codes with the most active assumable listings are 81050 (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 La Junta?
- 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 La Junta.
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.
