2.83% FHA
$264,500
$1,049/mo
204 Park Street
Sterling, CO
4 bd2 ba2,790 sqft
Sterling, Colorado
Keep the rate.
Buy the home in Sterling.
15 assumable homes for sale in Sterling, with locked rates from 2.67%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.05%
vs 7.2% market
$392/mo saved
Median locked rate
3.05%
Across 15 assumable listings
Typical monthly savings
$392
On a $255,000 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 Sterling
Homes with a rate worth keeping
3.05% FHA
$275,000
$1,104/mo
213 Logan Street
Sterling, CO
4 bd3 ba2,092 sqft
2.74% FHA
$199,000
$745/mo
201 Beech Street
Sterling, CO
3 bd3 ba1,486 sqft
2.67% FHA
$235,000
$754/mo
1403 11th Avenue
Sterling, CO
2 bd3 ba1,544 sqft
2.84% FHA
$275,000
$820/mo
602 Delmar Street
Sterling, CO
4 bd2 ba2,298 sqft
2.96% FHA
$175,000
$597/mo
402 Cleveland Street
Sterling, CO
2 bd1 ba1,013 sqft
Inventory snapshot
What’s assumable in Sterling right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 15
- Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 3.05%
- Median list price
- $255,000
- Median cash to assume
- $62,380
Listings by locked rate
- Under 4%11 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up4 homes
Listings by loan type
- FHA11 homesmedian 3.05%
- VA4 homesmedian 2.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sterling 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 Sterling.
A 7.2% new loan against an assumable one at 3.05%, same balance, 30 years.
You keep every month
$519/mo
Over a year$6,230
Monthly payment, side by side
7.2% vs 3.05%
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 Sterling
Numbers below come from current Sterling inventory and update as listings change.
- How many assumable homes are for sale in Sterling?
- As of September 2026, UMe tracks 15 active assumable listings in Sterling. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sterling?
- Current Sterling inventory breaks down as FHA (11, median 3.05%) and VA (4, median 2.98%). 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 Sterling right now?
- The lowest rate on an active Sterling assumable listing is 2.67%, and the median across all 15 listings is 3.05%. 11 listings are under 4% and 11 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 Sterling?
- Across current Sterling listings, the median principal-and-interest payment on the assumable loan is $1,018 per month versus $1,410 for the same balance at today's rates, a difference of about $392 every month, or $4,704 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 Sterling?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sterling that gap is currently a median of $62,380 on a median list price of $255,000. 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 Sterling ZIP codes have the most assumable homes?
- The Sterling ZIP codes with the most active assumable listings are 80751 (15). 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 Sterling?
- 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 Sterling.
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.
