FHA
Active
49$699,995$164,332 equity gap
- Rate
- 2.94%
7.24%today- Payment
- $2,541/mo
$4,139today
- 3beds
- 3baths
- 1,680sqft
Buffalo Creek, Colorado
Assumable homes for salein Buffalo Creek, Colorado.
1 home in Buffalo Creek carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Buffalo Creek assumable market
by the numbers.
1active assumable listing
3.10%lowest locked rate
$545kmedian list price
$1,289saved per month vs. 7.2%
About the market
Assumable mortgagesin Buffalo Creek, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Buffalo Creek. Updated November 2026.
How assumptions work for buyersBuffalo Creek, Colorado has 1 home for sale with an assumable mortgage as of November 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 Buffalo Creek assumable listings start at 3.10% with a median of 3.10%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Buffalo Creek lists for $545,000, with a median of $129,883 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 $2,013 a month versus $3,302 for the same balance at today's rate, roughly $1,289 kept every month and $15,472 a year. The most active Buffalo Creek ZIP codes are 80425 (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 Buffalo Creek assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Buffalo Creek
View all 1 on the map Homes on the marketin Buffalo Creek.
FHA
Active
32$614,555$133,471 equity gap
- Rate
- 2.96%
7.24%today- Payment
- $2,282/mo
$3,707today
- 3beds
- 2baths
- 1,394sqft
12564 Lora Avenue, Pine
FHA
Active
44$615,000$173,453 equity gap
- Rate
- 3.23%
7.24%today- Payment
- $2,216/mo
$3,478today
- 3beds
- 3baths
- 2,112sqft
13976 Wamblee Trail, Conifer
VA
Active
50$779,900$434,172 equity gap
- Rate
- 2.71%
7.24%today- Payment
- $1,614/mo
$2,709today
- 3beds
- 3baths
- 1,855sqft
11490 Marks Drive, Conifer
FHA
Active
18$545,000$128,945 equity gap
- Rate
- 3.10%
7.24%today- Payment
- $2,013/mo
$3,212today
- 4beds
- 2baths
- 1,903sqft
23826 Logan Avenue, Buffalo Creek
VA
Active
24$855,000$351,186 equity gap
- Rate
- 3.31%
7.24%today- Payment
- $2,555/mo
$3,971today
- 2beds
- 2baths
- 2,194sqft
19622 Cypress Drive, Morrison
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 Buffalo Creek.
Live counts from the MLS feeds we index for Colorado. Updated November 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.10%
- Median rate
- 3.10%
- Median list price
- $545,000
- Median cash to assume
- $129,883
Buffalo Creek listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Buffalo Creek listings by loan type
- FHA1 homemedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Buffalo Creek ZIP code.
Each ZIP opens the Buffalo Creek map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Buffalo Creek numbers
What an assumable ratedoes to a Buffalo Creek payment.
The sliders start at the median Buffalo Creek assumable listing: $545,000 list price and a 3.10% 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)$130,000
24% 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 Buffalo Creek
$1,939/mo
New loan at 7.20%$2,817
Assumed at 3.10%
$1,939
Every month$878
Over five years$52,676
Interest you never pay$409,13026-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 Buffalo Creek listing on UMe shows the actual balance, rate, and payment.
How it works in Buffalo Creek
How to assumea mortgage in Buffalo Creek.
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 Buffalo Creek home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Buffalo Creek 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 $129,883 in Buffalo Creek 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 Buffalo Creek payment written in a different decade.
Buffalo Creek questions
Assuming a mortgagein Buffalo Creek.
The numbers below come from current Buffalo Creek inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Buffalo Creek?
As of November 2026, UMe tracks 1 active assumable listing in Buffalo Creek. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Buffalo Creek?
Current Buffalo Creek inventory breaks down as FHA (1, median 3.10%). 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 Buffalo Creek?
The lowest rate on an active Buffalo Creek assumable listing is 3.10%, and the median across all 1 listing is 3.10%. 1 listing is 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 Buffalo Creek?
Across current Buffalo Creek listings, the median principal-and-interest payment on the assumable loan is $2,013 per month versus $3,302 for the same balance at today's rates, a difference of about $1,289 every month, or $15,472 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 Buffalo Creek?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Buffalo Creek that gap is currently a median of $129,883 on a median list price of $545,000. 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 Buffalo Creek ZIP codes have the most assumable homes?
The Buffalo Creek ZIP codes with the most active assumable listings are 80425 (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 Buffalo Creek?
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 Buffalo Creek.The rate is already on the house.
Every listing on the Buffalo Creek map has a rate you can take over. Start with the ones in Buffalo Creek, get pre-qualified in minutes, and let UMe carry the assumption to closing.
