3.10% FHA
Certified
$400,000
$1,645/mo
19629 93rd Drive
Arvada, CO
2 bd3 ba1,245 sqft
Colorado · Statewide
Keep the rate.
Buy the home in Colorado.
4,479 assumable homes for sale in Colorado, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.60%
vs 7.2% market
$777/mo saved
Median locked rate
4.60%
Across 4479 assumable listings
Typical monthly savings
$777
On a $465,000 home vs 7.2%
Certified listings
7
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Colorado
Homes with a rate worth keeping
2.88% FHA
Certified
$725,000
$2,520/mo
7514 Blue Water Drive
Castle Rock, CO
6 bd4 ba3,271 sqft
1.99% VA
Certified
$600,000
$1,718/mo
6364 Galway Drive
Colorado Springs, CO
5 bd4 ba3,807 sqft
1.99% VA
Certified
$600,000
$1,718/mo
6364 Galway Drive
Colorado Springs, CO
5 bd4 ba3,807 sqft
3.34% FHA
Certified
$835,000
$2,317/mo
7132 Bandit Drive
Castle Rock, CO
5 bd5 ba4,727 sqft
4.75% FHA
Certified
$220,000
$1,038/mo
4066 Atchison Way
Aurora, CO
2 bd1 ba1,062 sqft
Inventory snapshot
What’s assumable in Colorado right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 4,479
- Certified / verified
- 7
- Lowest rate
- 2.18%
- Median rate
- 4.60%
- Median list price
- $465,000
- Median cash to assume
- $122,557
Listings by locked rate
- Under 4%1,934 homes
- 4% – 5%391 homes
- 5% – 6%355 homes
- 6% and up1,719 homes
Listings by loan type
- VA2,428 homesmedian 4.06%
- FHA2,051 homesmedian 5.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Colorado ZIP code
- 80831
157 assumable homes · median 4.59%
median $579,000
- 80925
139 assumable homes · median 5.29%
median $430,000
- 80817
115 assumable homes · median 5.04%
median $419,900
- 80916
102 assumable homes · median 4.98%
median $340,000
- 80022
100 assumable homes · median 4.47%
median $500,000
- 80911
88 assumable homes · median 5.28%
median $362,450
- 80908
83 assumable homes · median 4.00%
median $629,900
- 80132
81 assumable homes · median 5.41%
median $700,000
Across Colorado
Assumable homes by Colorado city
Run your numbers
The cost of waiting in Colorado.
A 7.2% new loan against an assumable one at 4.60%, same balance, 30 years.
You keep every month
$618/mo
Over a year$7,417
Monthly payment, side by side
7.2% vs 4.60%
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 Colorado
Numbers below come from current Colorado inventory and update as listings change.
- How many assumable homes are for sale in Colorado?
- As of September 2026, UMe tracks 4,479 active assumable listings in Colorado. 7 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 Colorado?
- Current Colorado inventory breaks down as VA (2,428, median 4.06%) and FHA (2,051, median 5.10%). 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 Colorado right now?
- The lowest rate on an active Colorado assumable listing is 2.18%, and the median across all 4,479 listings is 4.60%. 1,934 listings are under 4% and 2,325 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 Colorado?
- Across current Colorado listings, the median principal-and-interest payment on the assumable loan is $1,992 per month versus $2,769 for the same balance at today's rates, a difference of about $777 every month, or $9,323 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 Colorado?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Colorado that gap is currently a median of $122,557 on a median list price of $465,000. 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 Colorado cities have the most assumable homes?
- Right now the deepest assumable inventory in Colorado is in Colorado Springs (1,260), Aurora (402), Denver (365), Peyton (156), and Pueblo (144). Each city has its own page with live counts, rates, and neighborhoods, and the Colorado map lets you search the whole state at once.
- How long does a mortgage assumption take in Colorado?
- 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 Colorado.
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.
