$377,000
6.23%
$2,012/mo
$2,985/mo
331,120 ft²
12662 W Virginia Avenue, Lakewood, CO 80228
Why buyers and agents use UMe

An assumable mortgage allows a buyer to take over the seller's existing home loan—including the same interest rate, repayment terms, and current balance. In today's market, this means you could secure a rate significantly lower than current market trends.
Lock-in legacy rates
Keep the ultra-low rates from years ago.
Lower closing costs
Reduce traditional loan origination fees.
Search through thousands of properties and inquire to the ones you're most interested in.
Explore all listingsUMe qualifies you to make sure you're eligible to assume with a low rate, hassle-free.
Apply to assumeUMe collects 1% of the purchase price and works with all parties for a stress-free experience.
Learn how it worksCertified listings from our marketplace — compared to financing at 6.23%.
Understanding the generational wealth advantage of securing historically low interest rates in today's market.
$1,240+
Average monthly savings
$440k+
Lifetime interest savings
More of your monthly payment goes toward the principal balance from day one.
A lower interest rate significantly increases the home price you can afford for the same monthly budget.
Eliminate traditional loan origination fees and expensive mortgage insurance requirements.
Search listings, explore assumption financing, read the latest from our team, or learn how the process works—paths we recommend to every serious buyer.
Discover your dream home and seamlessly assume the existing loan for a smooth transition.
Find a homeExplore financing options for assumable homes and make your dream property more accessible.
Loan optionsLearn how loan assumptions work, guided by our certified agents for the best support.
Learn moreAssumable mortgage education, market updates, and tips from our writers.
Browse articles
Real reviews from buyers, sellers, and agents who worked with UMe on assumable mortgages.
We bring transparency and expertise to the most advantageous way to buy a home today.
Our specialized consultants navigate the complex lender requirements for you, ensuring a seamless assumption.
Access historical rates as low as 2.5%, potentially saving you thousands of dollars in monthly interest payments.
Every listing and loan is pre-vetted by our legal and financial team to ensure full compliance and security.
UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.