2.77% FHA
$290,000
$1,345/mo
6651 Grove Street
Denver, CO
3 bd2 ba1,363 sqft
Lakewood, Colorado
Keep the rate.
Buy the home in Lakewood.
41 assumable homes for sale in Lakewood, with locked rates from 2.39%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.04%
vs 7.2% market
$792/mo saved
Median locked rate
4.04%
Across 41 assumable listings
Typical monthly savings
$792
On a $460,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Lakewood
Homes with a rate worth keeping
2.88% FHA
$525,000
$2,417/mo
10115 Arbor Place
Littleton, CO
3 bd2 ba1,652 sqft
2.90% FHA
$510,000
$2,227/mo
15296 66th Drive
Arvada, CO
3 bd3 ba1,798 sqft
3.07% FHA
$225,000
$1,019/mo
1196 Grant Street
Denver, CO
1 bd1 ba622 sqft
3.10% FHA
$279,999
$1,300/mo
2143 Coronado Parkway
Denver, CO
2 bd2 ba985 sqft
2.74% VA
$340,000
$1,439/mo
925 Lincoln Street
Denver, CO
1 bd1 ba807 sqft
Inventory snapshot
What’s assumable in Lakewood right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 41
- Certified / verified
- 0
- Lowest rate
- 2.39%
- Median rate
- 4.04%
- Median list price
- $460,000
- Median cash to assume
- $133,597
Listings by locked rate
- Under 4%20 homes
- 4% – 5%4 homes
- 5% – 6%4 homes
- 6% and up12 homes
Listings by loan type
- FHA29 homesmedian 3.83%
- VA12 homesmedian 5.60%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Lakewood ZIP code
- 80226
11 assumable homes · median 6.00%
median $480,000
- 80227
10 assumable homes · median 4.16%
median $339,450
- 80232
8 assumable homes · median 3.61%
median $530,000
- 80228
5 assumable homes · median 6.05%
median $324,900
- 80214
4 assumable homes · median 3.59%
median $399,500
- 80215
3 assumable homes · median 2.98%
median $799,000
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora403
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City113
- Castle Rock108
- Littleton97
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton64
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Lakewood.
A 7.2% new loan against an assumable one at 4.04%, same balance, 30 years.
You keep every month
$733/mo
Over a year$8,791
Monthly payment, side by side
7.2% vs 4.04%
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 Lakewood
Numbers below come from current Lakewood inventory and update as listings change.
- How many assumable homes are for sale in Lakewood?
- As of September 2026, UMe tracks 41 active assumable listings in Lakewood. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Lakewood?
- Current Lakewood inventory breaks down as FHA (29, median 3.83%) and VA (12, median 5.60%). 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 Lakewood right now?
- The lowest rate on an active Lakewood assumable listing is 2.39%, and the median across all 41 listings is 4.04%. 20 listings are under 4% and 24 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 Lakewood?
- Across current Lakewood listings, the median principal-and-interest payment on the assumable loan is $1,585 per month versus $2,377 for the same balance at today's rates, a difference of about $792 every month, or $9,510 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 Lakewood?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lakewood that gap is currently a median of $133,597 on a median list price of $460,000. 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 Lakewood ZIP codes have the most assumable homes?
- The Lakewood ZIP codes with the most active assumable listings are 80226 (11), 80227 (10), 80232 (8), 80228 (5), and 80214 (4). 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 Lakewood?
- 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 Lakewood.
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.
