FHA
Active
26$270,000$42,341 down
- Rate
- 3.45%
7.03%today- Payment
- $1,117/mo
$1,671today
- 2beds
- 2baths
- 1,190sqft
Orchard, Colorado
Assumable homes for salein Orchard, Colorado.
1 home in Orchard carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Orchard assumable market
by the numbers.
1active assumable listing
6.50%lowest locked rate
$425kmedian list price
$238saved per month vs. 7.2%
About the market
Assumable mortgagesin Orchard, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Orchard. Updated September 2026.
How assumptions work for buyersOrchard, 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 Orchard assumable listings start at 6.50% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Orchard lists for $425,000, with a median of $61,705 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 $2,466 a month versus $2,704 for the same balance at today's rate, roughly $238 kept every month and $2,853 a year. The most active Orchard ZIP codes are 80649 (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 Orchard assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Orchard
View all 1 on the map Homes on the marketin Orchard.
VA
Active
40$379,500$105,966 down
- Rate
- 2.50%
7.03%today- Payment
- $1,251/mo
$2,113today
- 3beds
- 3baths
- 1,599sqft
1110 Coyote Lane, Wiggins
FHA
Active
21$540,000$158,207 down
- Rate
- 3.89%
7.03%today- Payment
- $1,965/mo
$2,784today
- 3beds
- 2baths
- 1,488sqft
15508 Rd 7.3, Wiggins
FHA
Active
24$540,000$158,207 down
- Rate
- 3.89%
7.03%today- Payment
- $1,965/mo
$2,784today
- 3beds
- 2baths
- 1,488sqft
15508 Rd 7.3, Wiggins
VA
Active
30$399,900$161,919 down
- Rate
- 3.62%
7.03%today- Payment
- $1,263/mo
$1,849today
- 5beds
- 2baths
- 2,320sqft
408 Suzann Street, Wiggins
FHA
Active
31$395,000$30,120 down
- Rate
- 5.30%
7.03%today- Payment
- $2,154/mo
$2,588today
- 3beds
- 3baths
- 1,701sqft
1114 Cottontail Lane, Wiggins
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 Orchard.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 6.50%
- Median list price
- $425,000
- Median cash to assume
- $61,705
Orchard listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Orchard listings by loan type
- FHA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Orchard ZIP code.
Each ZIP opens the Orchard map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Orchard numbers
What an assumable ratedoes to an Orchard payment.
The sliders start at the median Orchard assumable listing: $425,000 list price and a 6.50% 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)$60,000
14% 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 Orchard
$2,427/mo
New loan at 7.20%$2,478
Assumed at 6.50%
$2,427
Every month$51
Over five years$3,038
Interest you never pay$134,71926-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 Orchard listing on UMe shows the actual balance, rate, and payment.
How it works in Orchard
How to assumea mortgage in Orchard.
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 an Orchard home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Orchard 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 $61,705 in Orchard 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 an Orchard payment written in a different decade.
Orchard questions
Assuming a mortgagein Orchard.
The numbers below come from current Orchard inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Orchard?
As of September 2026, UMe tracks 1 active assumable listing in Orchard. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Orchard?
Current Orchard inventory breaks down as FHA (1, median 6.50%). 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 Orchard?
The lowest rate on an active Orchard assumable listing is 6.50%, and the median across all 1 listing is 6.50%. 0 listings are under 4% and 0 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 Orchard?
Across current Orchard listings, the median principal-and-interest payment on the assumable loan is $2,466 per month versus $2,704 for the same balance at today's rates, a difference of about $238 every month, or $2,853 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 Orchard?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Orchard that gap is currently a median of $61,705 on a median list price of $425,000. 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 Orchard ZIP codes have the most assumable homes?
The Orchard ZIP codes with the most active assumable listings are 80649 (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 Orchard?
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 Orchard.The rate is already on the house.
Every listing on the Orchard map has a rate you can take over. Start with the ones in Orchard, get pre-qualified in minutes, and let UMe carry the assumption to closing.
