3.07% VA
$419,999
$1,787/mo
12956 Casa De Campo Road
Peyton, CO
3 bd3 ba1,674 sqft
Peyton, Colorado
Keep the rate.
Buy the home in Peyton.
40 assumable homes for sale in Peyton, with locked rates from 2.68%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.25%
vs 7.2% market
$645/mo saved
Median locked rate
4.25%
Across 40 assumable listings
Typical monthly savings
$645
On a $589,950 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Peyton
Homes with a rate worth keeping
2.78% VA
$1,149,900
$3,744/mo
21295 US Highway 24
Peyton, CO
2 bd3 ba2,156 sqft
3.45% VA
$480,000
$2,071/mo
12531 Stone Valley Drive
Peyton, CO
4 bd3 ba3,463 sqft
2.68% VA
$620,000
$2,049/mo
12985 Mt Harvard Drive
Peyton, CO
5 bd4 ba4,339 sqft
2.75% VA
$1,295,000
$3,858/mo
15545 Pole Pine Point
Colorado Springs, CO
5 bd4 ba3,970 sqft
2.81% VA
$489,900
$1,428/mo
9745 Porch Swing Lane
Peyton, CO
5 bd3 ba2,757 sqft
Inventory snapshot
What’s assumable in Peyton right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 40
- Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 4.25%
- Median list price
- $589,950
- Median cash to assume
- $163,101
Listings by locked rate
- Under 4%20 homes
- 4% – 5%3 homes
- 5% – 6%3 homes
- 6% and up14 homes
Listings by loan type
- VA35 homesmedian 3.76%
- FHA5 homesmedian 6.63%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Peyton 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
- Westminster38
- Broomfield36
- Monument35
- Loveland30
- Elizabeth26
- Fort Lupton25
- Fountain25
- Agate
Run your numbers
The cost of waiting in Peyton.
A 7.2% new loan against an assumable one at 4.25%, same balance, 30 years.
You keep every month
$882/mo
Over a year$10,583
Monthly payment, side by side
7.2% vs 4.25%
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 Peyton
Numbers below come from current Peyton inventory and update as listings change.
- How many assumable homes are for sale in Peyton?
- As of September 2026, UMe tracks 40 active assumable listings in Peyton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Peyton?
- Current Peyton inventory breaks down as VA (35, median 3.76%) and FHA (5, median 6.63%). 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 Peyton right now?
- The lowest rate on an active Peyton assumable listing is 2.68%, and the median across all 40 listings is 4.25%. 20 listings are under 4% and 23 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 Peyton?
- Across current Peyton listings, the median principal-and-interest payment on the assumable loan is $2,918 per month versus $3,563 for the same balance at today's rates, a difference of about $645 every month, or $7,745 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 Peyton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Peyton that gap is currently a median of $163,101 on a median list price of $589,950. 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 Peyton ZIP codes have the most assumable homes?
- The Peyton ZIP codes with the most active assumable listings are 80831 (40). 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 Peyton?
- 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 Peyton.
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.
