An eligible mortgage assumption may let you take over the seller’s existing loan terms. Explore the payment, the cash gap, and the approval process before deciding whether it fits your move.
Ask About Assumable Homes ↗In an approved assumption, a buyer takes over responsibility for an eligible existing mortgage instead of replacing that balance with a new loan. A favorable existing rate may help, but the remaining term, mortgage insurance, fees, and funds needed to complete the purchase all matter.
Ask the seller and servicer to confirm assumability, the current principal balance, interest rate, remaining term, monthly payment components, and application requirements. A listing description alone does not establish that you qualify.
Ask the servicer about the approval process and release of liability. For a VA loan, discuss entitlement separately: release of liability and restoration or substitution of entitlement are distinct issues.
These properties were advertised with assumable-loan opportunities. Active listing status was checked through Flat Rate Realty Group’s MLS search on October 19, 2026. Loan assumability, rates, balances, and buyer eligibility have not been confirmed with the servicer.
Open the existing property page for listing details, photos, brokerage attribution, and current availability.
View Property ↗MLS #3087776 · Active at last check
Open the existing property page for listing details, photos, brokerage attribution, and current availability.
View Property ↗MLS #3684437 · Active at last check
Open the existing property page for listing details, photos, brokerage attribution, and current availability.
View Property ↗MLS #2324609 · Active at last check
A curated set of links, not a live listing feed. Status can change. All listing information is displayed on the linked IDX pages; contact the team and loan servicer to verify any assumption opportunity.
Compare principal-and-interest payments using the same loan balance and term. Then estimate the purchase-price gap that the assumed loan would not cover.
Rates are examples entered by you, not current market quotes or available loan offers. This does not compare APR or total borrowing costs and does not determine financing eligibility.
P&I means principal and interest only. Excludes taxes, insurance, mortgage insurance, HOA dues, assumption and closing costs, other liens, and any second-loan payment. The gap is purchase price minus assumed balance; it is not a full cash-to-close estimate. Additional financing is not guaranteed and would change the comparison.
Discuss My Assumption Questions ↗Confirm details with the loan servicer and relevant professionals before relying on a rate or payment in your budget.
An assumption may be relevant to a military move, but do not assume it automatically restores a seller’s VA entitlement or qualifies a buyer. Discuss the specific loan with the servicer and VA, and build flexibility into your PCS timeline.
Explore the Fort Carson PCS Guide ↗No. Eligibility and approval depend on the specific loan and applicable program requirements. Confirm with the servicer rather than relying on an advertised rate.
No. Compare remaining term, mortgage insurance, fees, cash needed, and any additional financing. The calculator compares only principal and interest on the same balance over the same term.
Discuss available cash and whether any additional financing is permitted and obtainable with the servicer and lender. The calculator’s gap excludes other closing costs and is not a financing commitment.
This page provides curated links to existing property pages, with the date listing status was checked. It is not a live inventory feed, and the mortgage terms have not been verified with a servicer. Open the property pages for current details and contact the team about loan verification.
Ask the team about the commission and agreement for your transaction. The buyer program offers 50% of commission received, reduced where needed to preserve a $6,500 brokerage minimum, subject to lender and closing requirements.
VA guidance on assumption procedures ↗
General educational information. Confirm current requirements and the specific loan terms with the servicer. Flat Rate Realty Group is not a lender or government agency and is not affiliated with Roots Homes.
Use our contact form to share your location, budget, timeline, and interest in assumable financing. Do not send account numbers or loan documents through the general inquiry form.
Ask About Assumable Homes ↗