VATop pick
Active
20$345,000$27,612 down
- Rate
- 3.05%
7.28%today- Payment
- $1,503/mo
$2,424today
- 3beds
- 3baths
- 2,196sqft
Milliken, Colorado
Assumable homes for salein Milliken, Colorado.
12 homes in Milliken carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Milliken assumable market
by the numbers.
12active assumable listings
2.80%lowest locked rate
$455kmedian list price
$778saved per month vs. 7.2%
About the market
Assumable mortgagesin Milliken, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Milliken. Updated October 2026.
How assumptions work for buyersMilliken, Colorado has 12 homes for sale with an assumable mortgage as of October 2026: 9 FHA loans and 3 VA loans 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 Milliken assumable listings start at 2.80% with a median of 4.12%; 5 listings are under 4% and 7 are under 5%.
The median assumable home in Milliken lists for $455,000, with a median of $91,000 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 $1,868 a month versus $2,646 for the same balance at today's rate, roughly $778 kept every month and $9,334 a year. The most active Milliken ZIP codes are 80543 (12).
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 Milliken assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Milliken
View all 12 on the map Homes on the marketin Milliken.
FHA
Active
36$425,000$60,931 down
- Rate
- 2.90%
7.28%today- Payment
- $1,696/mo
$2,788today
- 3beds
- 3baths
- 1,447sqft
2504 Carriage Drive, Milliken
FHA
Active
33$399,000$70,877 down
- Rate
- 2.96%
7.28%today- Payment
- $1,553/mo
$2,533today
- 3beds
- 4baths
- 2,406sqft
45 Sebring Lane, Johnstown
FHA
Active
45$436,500$87,443 down
- Rate
- 2.98%
7.28%today- Payment
- $1,652/mo
$2,687today
- 4beds
- 3baths
- 3,358sqft
309 Lincoln Avenue, Platteville
FHA
Active
16$460,000$71,726 down
- Rate
- 2.98%
7.28%today- Payment
- $1,821/mo
$2,963today
- 3beds
- 3baths
- 1,884sqft
3855 Arrowwood Lane, Johnstown
FHA
Active
47$510,000$80,531 down
- Rate
- 3.07%
7.28%today- Payment
- $2,030/mo
$3,265today
- 5beds
- 3baths
- 2,716sqft
225 Swallow Road, Johnstown
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 Milliken.
Live counts from the MLS feeds we index for Colorado. Updated October 2026.
- Active listings
- 12
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 4.12%
- Median list price
- $455,000
- Median cash to assume
- $91,000
Milliken listings by locked rate
- Under 4%5 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up5 homes
Milliken listings by loan type
- FHA9 homesmedian 6.12%
- VA3 homesmedian 2.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Milliken ZIP code.
Each ZIP opens the Milliken map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Milliken numbers
What an assumable ratedoes to a Milliken payment.
The sliders start at the median Milliken assumable listing: $455,000 list price and a 4.12% 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)$90,000
20% 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 Milliken
$1,904/mo
New loan at 7.20%$2,478
Assumed at 4.10%
$1,904
Every month$574
Over five years$34,416
Interest you never pay$297,88826-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 Milliken listing on UMe shows the actual balance, rate, and payment.
How it works in Milliken
How to assumea mortgage in Milliken.
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 Milliken home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Milliken 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 $91,000 in Milliken 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 Milliken payment written in a different decade.
Milliken questions
Assuming a mortgagein Milliken.
The numbers below come from current Milliken inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Milliken?
As of October 2026, UMe tracks 12 active assumable listings in Milliken. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Milliken?
Current Milliken inventory breaks down as FHA (9, median 6.12%) and VA (3, median 2.81%). 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 Milliken?
The lowest rate on an active Milliken assumable listing is 2.80%, and the median across all 12 listings is 4.12%. 5 listings are under 4% and 7 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 Milliken?
Across current Milliken listings, the median principal-and-interest payment on the assumable loan is $1,868 per month versus $2,646 for the same balance at today's rates, a difference of about $778 every month, or $9,334 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 Milliken?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Milliken that gap is currently a median of $91,000 on a median list price of $455,000. 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 Milliken ZIP codes have the most assumable homes?
The Milliken ZIP codes with the most active assumable listings are 80543 (12). 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 Milliken?
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 Milliken.The rate is already on the house.
Every listing on the Milliken map has a rate you can take over. Start with the ones in Milliken, get pre-qualified in minutes, and let UMe carry the assumption to closing.
