What Is an Assumable Mortgage? The Complete Guide for Colorado Buyers in 2026
Saturday, June 27
Here's the short version: an assumable mortgage lets you take over a seller's existing home loan, including the original interest rate, instead of getting your own new mortgage at today's rates. That sounds simple. The impact is not simple at all. A Colorado buyer taking over an FHA loan from 202...
Can You Assume a Mortgage with Bad Credit? What Colorado Buyers Need to Know
Saturday, June 27
The appeal of assuming a 2.875% FHA loan is obvious when you do the math. On a $250,000 home, assuming a 2.875% loan means roughly $1,783 monthly payment instead of $2,822 at today's 6.875% rate. The savings are real and the math is compelling. But before you get deep into a search, you need to k...
How to Use an Assumable Mortgage Calculator in Colorado
Friday, June 26
# How to Use an Assumable Mortgage Calculator in ColoradoBefore you tour a house with an assumable mortgage, you should know three numbers: the monthly savings, the equity gap, and your break-even point. An assumable mortgage calculator gives you all three in about 60 seconds.Here's how to use on...
VA Loan Origination Trends and What They Mean for Buyers
Friday, June 26
VA loan originations hit record levels during 2020-2022. That surge created the massive pool of low-rate assumable loans that buyers are now accessing. Understanding the origination trends helps you understand where the best deals are today.## The Numbers**2019:** Approximately 620,000 VA loan or...
FHA Loan Volume and Assumable Inventory
Friday, June 26
FHA loans account for roughly 35% of Colorado's assumable inventory. While VA loans get most of the attention (lower rates, military connection), FHA assumptions are a significant and sometimes overlooked opportunity.## FHA Origination ContextFHA has been one of the most popular loan programs for...
How Many Assumable Mortgages Exist in the US?
Thursday, June 25
# How Many Assumable Mortgages Exist in the US? Roughly 12 million. That's the estimated number of active FHA and VA mortgages in the United States that are technically assumable. Not all of them are on the market (the homeowners have to decide to sell), but the underlying loan is assumable whene...