VA
Active
50$779,000$154,216 down
- Rate
- 2.77%
7.03%today- Payment
- $2,862/mo
$4,667today
- 5beds
- 4baths
- 4,440sqft
Kersey, Colorado
Assumable homes for salein Kersey, Colorado.
1 home in Kersey carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.04%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kersey assumable market
by the numbers.
1active assumable listing
4.04%lowest locked rate
$365kmedian list price
$362saved per month vs. 7.2%
About the market
Assumable mortgagesin Kersey, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Kersey. Updated September 2026.
How assumptions work for buyersKersey, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Kersey assumable listings start at 4.04% with a median of 4.04%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Kersey lists for $365,000, with a median of $239,932 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $787 a month versus $1,149 for the same balance at today's rate, roughly $362 kept every month and $4,346 a year. The most active Kersey ZIP codes are 80644 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Kersey assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kersey
View all 1 on the map Homes on the marketin Kersey.
VA
Active
17$329,000$79,503 down
- Rate
- 2.77%
7.03%today- Payment
- $1,173/mo
$1,912today
- 3beds
- 2baths
- 1,344sqft
31254 2nd Street, Gill
FHA
Active
41$329,000$111,092 down
- Rate
- 3.01%
7.03%today- Payment
- $1,061/mo
$1,677today
- 3beds
- 1baths
- 720sqft
3809 Central Street, Evans
FHA
Active
40$300,000$46,473 down
- Rate
- 4.17%
7.03%today- Payment
- $1,340/mo
$1,835today
- 2beds
- 1baths
- 672sqft
2316 6th Avenue, Greeley
FHA
Active
15$300,000$28,912 down
- Rate
- 5.10%
7.03%today- Payment
- $1,573/mo
$1,933today
- 2beds
- 1baths
- 756sqft
2001 5th Avenue, Greeley
FHA
Active
45$385,000$55,154 down
- Rate
- 4.98%
7.03%today- Payment
- $1,893/mo
$2,359today
- 3beds
- 2baths
- 1,428sqft
2812 Arbor Avenue, Greeley
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Kersey.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 4.04%
- Median rate
- 4.04%
- Median list price
- $365,000
- Median cash to assume
- $239,932
Kersey listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up0 homes
Kersey listings by loan type
- FHA1 homemedian 4.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kersey ZIP code.
Each ZIP opens the Kersey map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Kersey numbers
What an assumable ratedoes to a Kersey payment.
The sliders start at the median Kersey assumable listing: $365,000 list price and a 4.04% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$240,000
66% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Kersey
$649/mo
New loan at 7.20%$848
Assumed at 4.05%
$649
Every month$200
Over five years$11,996
Interest you never pay$103,10826-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Kersey listing on UMe shows the actual balance, rate, and payment.
How it works in Kersey
How to assumea mortgage in Kersey.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Kersey home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kersey map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $239,932 in Kersey today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Kersey payment written in a different decade.
Kersey questions
Assuming a mortgagein Kersey.
The numbers below come from current Kersey inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kersey?
As of September 2026, UMe tracks 1 active assumable listing in Kersey. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Kersey?
Current Kersey inventory breaks down as FHA (1, median 4.04%). 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 Kersey?
The lowest rate on an active Kersey assumable listing is 4.04%, and the median across all 1 listing is 4.04%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Kersey?
Across current Kersey listings, the median principal-and-interest payment on the assumable loan is $787 per month versus $1,149 for the same balance at today's rates, a difference of about $362 every month, or $4,346 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 Kersey?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kersey that gap is currently a median of $239,932 on a median list price of $365,000. 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 Kersey ZIP codes have the most assumable homes?
The Kersey ZIP codes with the most active assumable listings are 80644 (1). 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 Kersey?
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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Kersey.The rate is already on the house.
Every listing on the Kersey map has a rate you can take over. Start with the ones in Kersey, get pre-qualified in minutes, and let UMe carry the assumption to closing.
