4.75% FHA
Certified
$220,000
$1,038/mo
4066 Atchison Way
Aurora, CO
2 bd1 ba1,062 sqft
Aurora, Colorado
Keep the rate.
Buy the home in Aurora.
402 assumable homes for sale in Aurora, with locked rates from 2.25%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.75%
vs 7.2% market
$843/mo saved
Median locked rate
4.75%
Across 402 assumable listings
Typical monthly savings
$843
On a $450,000 home vs 7.2%
Certified listings
1
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Aurora
Homes with a rate worth keeping
3.00% VA
$155,000
$769/mo
580 Clinton Street
Denver, CO
2 bd2 ba1,200 sqft
3.02% FHA
$149,000
$809/mo
13606 Bates Avenue
Aurora, CO
2 bd2 ba1,200 sqft
3.07% VA
$290,000
$1,355/mo
1881 Dunkirk Street
Aurora, CO
2 bd2 ba824 sqft
3.07% VA
$288,000
$1,380/mo
12655 Pacific Circle
Aurora, CO
2 bd2 ba1,241 sqft
3.07% FHA
$273,000
$1,295/mo
1250 Monaco Street Parkway
Denver, CO
2 bd2 ba944 sqft
Inventory snapshot
What’s assumable in Aurora right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 402
- Certified / verified
- 1
- Lowest rate
- 2.25%
- Median rate
- 4.75%
- Median list price
- $450,000
- Median cash to assume
- $125,303
Listings by locked rate
- Under 4%167 homes
- 4% – 5%38 homes
- 5% – 6%35 homes
- 6% and up151 homes
Listings by loan type
- FHA242 homesmedian 5.00%
- VA160 homesmedian 4.09%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Aurora ZIP code
- 80018
55 assumable homes · median 6.25%
median $534,500
- 80013
52 assumable homes · median 3.67%
median $457,500
- 80015
45 assumable homes · median 5.13%
median $465,000
- 80017
44 assumable homes · median 3.08%
median $335,400
- 80012
41 assumable homes · median 4.93%
median $305,000
- 80016
38 assumable homes · median 4.42%
median $714,000
- 80011
35 assumable homes · median 4.60%
median $375,000
- 80019
35 assumable homes · median 6.41%
median $555,000
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,260
- Denver365
- Peyton156
- Pueblo144
- Fountain115
- Commerce City113
- Castle Rock108
- Littleton97
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton64
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood42
- Westminster38
- Broomfield36
- Florissant34
- Loveland30
- Pueblo West30
- Agate
Run your numbers
The cost of waiting in Aurora.
A 7.2% new loan against an assumable one at 4.75%, same balance, 30 years.
You keep every month
$566/mo
Over a year$6,788
Monthly payment, side by side
7.2% vs 4.75%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Aurora
Numbers below come from current Aurora inventory and update as listings change.
- How many assumable homes are for sale in Aurora?
- As of September 2026, UMe tracks 402 active assumable listings in Aurora. 1 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Aurora?
- Current Aurora inventory breaks down as FHA (242, median 5.00%) and VA (160, median 4.09%). 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 Aurora right now?
- The lowest rate on an active Aurora assumable listing is 2.25%, and the median across all 402 listings is 4.75%. 167 listings are under 4% and 205 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 Aurora?
- Across current Aurora listings, the median principal-and-interest payment on the assumable loan is $1,886 per month versus $2,729 for the same balance at today's rates, a difference of about $843 every month, or $10,114 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 Aurora?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Aurora that gap is currently a median of $125,303 on a median list price of $450,000. 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 Aurora ZIP codes have the most assumable homes?
- The Aurora ZIP codes with the most active assumable listings are 80018 (55), 80013 (52), 80015 (45), 80017 (44), and 80012 (41). 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 Aurora?
- 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.
Ready when you are
Stop overpaying for Aurora.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
