2.87% FHA
$345,000
$1,507/mo
6607 4th St Rd
Greeley, CO
3 bd3 ba1,918 sqft
Eaton, Colorado
Keep the rate.
Buy the home in Eaton.
8 assumable homes for sale in Eaton, with locked rates from 2.77%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.33%
vs 7.2% market
$878/mo saved
Median locked rate
3.33%
Across 8 assumable listings
Typical monthly savings
$878
On a $414,950 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 Eaton
Homes with a rate worth keeping
2.96% FHA
$300,000
$1,487/mo
850 21st Street
Greeley, CO
5 bd3 ba2,112 sqft
2.88% VA
$625,000
$2,470/mo
39445 Main Street
Eaton, CO
5 bd3 ba4,281 sqft
2.90% FHA
$380,000
$1,520/mo
3408 17th Street
Greeley, CO
3 bd2 ba1,296 sqft
2.96% FHA
$369,950
$1,544/mo
322 Maple Avenue
Eaton, CO
3 bd3 ba1,513 sqft
3.05% VA
$354,900
$1,503/mo
4355 24th Street Road
Greeley, CO
3 bd3 ba2,196 sqft
Inventory snapshot
What’s assumable in Eaton right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 8
- Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 3.33%
- Median list price
- $414,950
- Median cash to assume
- $145,375
Listings by locked rate
- Under 4%5 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up3 homes
Listings by loan type
- FHA5 homesmedian 6.81%
- VA3 homesmedian 2.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Eaton ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
Run your numbers
The cost of waiting in Eaton.
A 7.2% new loan against an assumable one at 3.33%, same balance, 30 years.
You keep every month
$794/mo
Over a year$9,529
Monthly payment, side by side
7.2% vs 3.33%
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 Eaton
Numbers below come from current Eaton inventory and update as listings change.
- How many assumable homes are for sale in Eaton?
- As of September 2026, UMe tracks 8 active assumable listings in Eaton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Eaton?
- Current Eaton inventory breaks down as FHA (5, median 6.81%) and VA (3, median 2.88%). 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 Eaton right now?
- The lowest rate on an active Eaton assumable listing is 2.77%, and the median across all 8 listings is 3.33%. 5 listings are under 4% and 5 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 Eaton?
- Across current Eaton listings, the median principal-and-interest payment on the assumable loan is $1,667 per month versus $2,545 for the same balance at today's rates, a difference of about $878 every month, or $10,535 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 Eaton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Eaton that gap is currently a median of $145,375 on a median list price of $414,950. 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 Eaton ZIP codes have the most assumable homes?
- The Eaton ZIP codes with the most active assumable listings are 80615 (8). 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 Eaton?
- 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 Eaton.
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.
