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Colorado · Statewide

Assumable homes for salein Colorado.

3,895 homes in Colorado carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.15%. Assume the seller’s mortgage instead of financing at today’s 7.2%.

Browse 3,895 Colorado listings Get pre-qualified

Live MLS data · Updated

Colorado assumable market
by the numbers.

3,895active assumable listings
2.15%lowest locked rate
$460kmedian list price
$736saved per month vs. 7.2%
Across Colorado

Assumable homesby Colorado city.

Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.

Search all of Colorado on the map
  1. 01Colorado Springs991991 assumable homes · median 4.72%
  2. 02Aurora377377 assumable homes · median 4.65%
  3. 03Denver324324 assumable homes · median 4.36%
  4. 04Peyton120120 assumable homes · median 4.96%
  5. 05Pueblo106106 assumable homes · median 5.67%
  6. 06Fountain102102 assumable homes · median 4.58%
  7. 07Commerce City9898 assumable homes · median 5.22%
  8. 08Greeley9595 assumable homes · median 5.55%
  9. 09Littleton8484 assumable homes · median 3.89%
  10. 10Monument8282 assumable homes · median 3.90%
  11. 11Castle Rock8080 assumable homes · median 4.16%
  12. 12Brighton7070 assumable homes · median 4.62%
  13. 13Thornton6969 assumable homes · median 3.89%
  14. 14Parker6666 assumable homes · median 5.51%
  15. 15Arvada5050 assumable homes · median 5.41%
  16. 16Fort Collins4343 assumable homes · median 4.99%
  17. 17Loveland4343 assumable homes · median 3.78%
  18. 18Longmont4242 assumable homes · median 4.53%
  19. 19Lakewood4141 assumable homes · median 4.10%
  20. 20Johnstown4040 assumable homes · median 5.98%
  21. 21Pueblo West3838 assumable homes · median 6.30%
  22. 22Westminster3535 assumable homes · median 4.14%
  23. 23Florissant3333 assumable homes · median 5.78%
  24. 24Broomfield2929 assumable homes · median 4.62%
  25. 25Severance2929 assumable homes · median 3.61%
  26. 26Fort Lupton2828 assumable homes · median 6.40%
  27. 27Frederick2525 assumable homes · median 6.11%
  28. 28Elizabeth2424 assumable homes · median 6.10%
  29. 29Bennett2323 assumable homes · median 5.54%
  30. 30Calhan2121 assumable homes · median 4.30%
  31. 31Evergreen2121 assumable homes · median 3.75%
  32. 32Fort Morgan2020 assumable homes · median 4.96%
  33. 33Windsor2020 assumable homes · median 3.58%
  34. 34Woodland Park2020 assumable homes · median 6.05%
  35. 35Evans1818 assumable homes · median 5.04%
  36. 36Bailey1717 assumable homes · median 4.10%
  37. 37Highlands Ranch1717 assumable homes · median 3.56%
  38. 38Centennial1616 assumable homes · median 6.32%
  39. 39Berthoud1515 assumable homes · median 4.16%
  40. 40Englewood1515 assumable homes · median 6.05%
  41. 41Milliken1515 assumable homes · median 5.37%
  42. 42Divide1414 assumable homes · median 3.56%
  43. 43Mead1313 assumable homes · median 4.88%
  44. 44Cripple Creek1111 assumable homes · median 3.90%
  45. 45Lochbuie1111 assumable homes · median 6.50%
  46. 46Northglenn1111 assumable homes · median 6.54%
  47. 47Watkins1111 assumable homes · median 6.50%
  48. 48Wellington1111 assumable homes · median 6.34%
  49. 49Boulder1010 assumable homes · median 5.45%
  50. 50Firestone1010 assumable homes · median 5.01%
  51. 51Strasburg1010 assumable homes · median 3.85%
  52. 52Dacono99 assumable homes · median 6.50%
  53. 53Eaton99 assumable homes · median 3.80%
  54. 54Erie99 assumable homes · median 3.95%
  55. 55Estes Park99 assumable homes · median 4.38%
  56. 56Fairplay99 assumable homes · median 4.92%
  57. 57Golden99 assumable homes · median 3.66%
  58. 58Sterling99 assumable homes · median 3.62%
  59. 59Wheat Ridge99 assumable homes · median 4.05%
  60. 60Wiggins99 assumable homes · median 5.30%
  61. 61Castle Pines88 assumable homes · median 3.67%
  62. 62Conifer88 assumable homes · median 3.81%
  63. 63Westcliffe88 assumable homes · median 6.44%
  64. 64Ault77 assumable homes · median 3.97%
  65. 65Ramah77 assumable homes · median 6.50%
  66. 66Hartsel66 assumable homes · median 6.57%
  67. 67Keenesburg66 assumable homes · median 3.58%
  68. 68Morrison66 assumable homes · median 3.93%
  69. 69Pine66 assumable homes · median 3.19%
  70. 70Timnath66 assumable homes · median 5.95%
  71. 71Yoder66 assumable homes · median 6.42%
  72. 72Black Hawk55 assumable homes · median 4.18%
  73. 73Brush55 assumable homes · median 6.27%
  74. 74Cascade55 assumable homes · median 2.90%
  75. 75Drake55 assumable homes · median 2.88%
  76. 76Elbert55 assumable homes · median 6.28%
  77. 77Florence55 assumable homes · median 2.90%
  78. 78Hudson55 assumable homes · median 2.99%
  79. 79Lafayette55 assumable homes · median 6.50%
  80. 80Larkspur55 assumable homes · median 3.02%
  81. 81Nunn55 assumable homes · median 6.50%
  82. 82Rush55 assumable homes · median 6.39%
  83. 83Buena Vista44 assumable homes · median 5.49%
  84. 84Byers44 assumable homes · median 5.72%
  85. 85Cotopaxi44 assumable homes · median 3.77%
  86. 86Crestone44 assumable homes · median 6.70%
  87. 87Deer Trail44 assumable homes · median 4.92%
  88. 88Franktown44 assumable homes · median 5.83%
  89. 89Henderson44 assumable homes · median 4.11%
  90. 90Kiowa44 assumable homes · median 3.26%
  91. 91Lake George44 assumable homes · median 6.53%
  92. 92Livermore44 assumable homes · median 5.61%
  93. 93Beulah33 assumable homes · median 3.17%
  94. 94Briggsdale33 assumable homes · median 6.27%
  95. 95Como33 assumable homes · median 3.44%
  96. 96Fort Garland33 assumable homes · median 6.49%
  97. 97Leadville33 assumable homes · median 5.71%
  98. 98Pierce33 assumable homes · median 6.54%
  99. 99Red Feather Lakes33 assumable homes · median 6.44%
  100. 100Rye33 assumable homes · median 4.46%
  101. 101Sedalia33 assumable homes · median 2.84%
  102. 102Trinidad33 assumable homes · median 5.00%
  103. 103Walden33 assumable homes · median 4.07%
  104. 104Akron22 assumable homes · median 6.78%
  105. 105Alamosa22 assumable homes · median 4.67%
  106. 106Central City22 assumable homes · median 3.01%
  107. 107Federal Heights22 assumable homes · median 4.44%
  108. 108Georgetown22 assumable homes · median 5.76%
  109. 109Gilcrest22 assumable homes · median 5.67%
  110. 110Gill22 assumable homes · median 3.94%
  111. 111Idaho Springs22 assumable homes · median 4.87%
  112. 112Kremmling22 assumable homes · median 4.55%
  113. 113La Salle22 assumable homes · median 4.20%
  114. 114Lyons22 assumable homes · median 2.92%
  115. 115Manitou Springs22 assumable homes · median 6.85%
  116. 116New Castle22 assumable homes · median 4.17%
  117. 117Orchard22 assumable homes · median 6.50%
  118. 118Palmer Lake22 assumable homes · median 5.22%
  119. 119Shawnee22 assumable homes · median 2.96%
  120. 120Simla22 assumable homes · median 6.36%
  121. 121Walsh22 assumable homes · median 2.97%
  122. 122Ward22 assumable homes · median 5.84%
  123. 123Allenspark11 assumable home · median 4.00%
  124. 124Bellvue11 assumable home · median 4.82%
  125. 125Breckenridge11 assumable home · median 6.66%
  126. 126Clifton11 assumable home · median 3.04%
  127. 127Collbran11 assumable home · median 2.81%
  128. 128Colorado City11 assumable home · median 3.75%
  129. 129Cortez11 assumable home · median 6.60%
  130. 130Craig11 assumable home · median 3.48%
  131. 131Fowler11 assumable home · median 6.50%
  132. 132Fruita11 assumable home · median 2.87%
  133. 133Genoa11 assumable home · median 4.00%
  134. 134Glen Haven11 assumable home · median 2.90%
  135. 135Glenwood Springs11 assumable home · median 3.92%
  136. 136Grand Junction11 assumable home · median 3.78%
  137. 137Granite11 assumable home · median 2.39%
  138. 138Guffey11 assumable home · median 3.45%
  139. 139Gypsum11 assumable home · median 6.00%
  140. 140Haxtun11 assumable home · median 5.41%
  141. 141Hesperus11 assumable home · median 2.90%
  142. 142Hooper11 assumable home · median 5.55%
  143. 143Hot Sulphur Springs11 assumable home · median 5.78%
  144. 144Julesburg11 assumable home · median 3.11%
  145. 145Kersey11 assumable home · median 6.44%
  146. 146La Junta11 assumable home · median 6.35%
  147. 147La Veta11 assumable home · median 2.79%
  148. 148Limon11 assumable home · median 4.00%
  149. 149Log Lane Village11 assumable home · median 4.98%
  150. 150Lone Tree11 assumable home · median 5.79%
  151. 151Louisville11 assumable home · median 3.45%
  152. 152Louviers11 assumable home · median 2.96%
  153. 153Merino11 assumable home · median 6.35%
  154. 154Moffat11 assumable home · median 2.90%
  155. 155Monte Vista11 assumable home · median 4.44%
  156. 156Montrose11 assumable home · median 3.16%
  157. 157Nathrop11 assumable home · median 3.46%
  158. 158Peetz11 assumable home · median 2.74%
  159. 159Penrose11 assumable home · median 2.88%
  160. 160Platteville11 assumable home · median 6.94%
  161. 161Poncha Springs11 assumable home · median 2.94%
  162. 162Rangely11 assumable home · median 4.50%
  163. 163Sanford11 assumable home · median 6.84%
  164. 164Silver Cliff11 assumable home · median 6.54%
  165. 165Stratton11 assumable home · median 6.32%
  166. 166Superior11 assumable home · median 3.25%
  167. 167Twin Lakes11 assumable home · median 6.57%
  168. 168Wetmore11 assumable home · median 6.95%

Also covered in Colorado, no verified assumable listings today:

About the market

Assumable mortgagesin Colorado, explained.

Every number on this page comes from the live MLS feeds UMe indexes across Colorado. Updated October 2026.

How assumptions work for buyers

Colorado has 3,895 homes for sale with an assumable mortgage as of October 2026: 1,953 FHA loans and 1,942 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 Colorado assumable listings start at 2.15% with a median of 4.75%; 1,648 listings are under 4% and 1,999 are under 5%.

The median assumable home in Colorado lists for $459,999, with a median of $115,393 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 $1,947 a month versus $2,683 for the same balance at today's rate, roughly $736 kept every month and $8,828 a year. The deepest Colorado inventory is in Colorado Springs (991), Aurora (377), Denver (324), Peyton (120), and Pueblo (106).

8 listings in Colorado are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Colorado assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.

Verified across Colorado

Homes on the marketacross Colorado.

View all 3,895 on the map
19629 93rd Drive #B, Arvada, CO, 80007 — assumable FHA mortgage at 2.75%
FHA
Active
32
$400,000$54,450 equity gap
Rate
2.75%
7.40%today
Payment
$1,572/mo
$2,667today
  • 2beds
  • 3baths
  • 1,245sqft

19629 93rd Drive #B, Arvada

2327 Condor Street, Colorado Springs, CO, 80909 — assumable VA mortgage at 2.25%
VA
Active
41
$440,000$127,309 equity gap
Rate
2.25%
7.40%today
Payment
$1,395/mo
$2,527today
  • 4beds
  • 2baths
  • 1,807sqft

2327 Condor Street, Colorado Springs

7181 Van Gordon Street, Arvada, CO, 80004 — assumable FHA mortgage at 2.99%
FHA
Active
38
$559,000$123,108 equity gap
Rate
2.99%
7.40%today
Payment
$2,047/mo
$3,365today
  • 4beds
  • 3baths
  • 2,009sqft

7181 Van Gordon Street, Arvada

4066 Atchison Way #102, Aurora, CO, 80014 — assumable FHA mortgage at 3.82%
FHA
Active
47
$210,000$39,568 equity gap
Rate
3.82%
7.40%today
Payment
$931/mo
$1,380today
  • 2beds
  • 1baths
  • 1,062sqft

4066 Atchison Way #102, Aurora

8290 Grey Bark Way, Colorado Springs, CO, 80908 — assumable FHA mortgage at 4.50%
FHA
Active
46
$415,000Potential short sale
Rate
4.50%
7.40%today
Payment
$2,158/mo
$2,949today
  • 3beds
  • 3baths
  • 1,723sqft

8290 Grey Bark Way, Colorado Springs

117 35th SW Street, Loveland, CO, 80537 — assumable VA mortgage at 2.25%
VA
Active
45
$575,000$255,117 equity gap
Rate
2.25%
7.40%today
Payment
$1,427/mo
$2,585today
  • 4beds
  • 2baths
  • 2,080sqft

117 35th SW Street, Loveland

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 Colorado.

Live counts from the MLS feeds we index for Colorado. Updated October 2026.

Active listings
3,895
UMe Certified / verified
8
Lowest rate
2.15%
Median rate
4.75%
Median list price
$459,999
Median cash to assume
$115,393

Colorado listings by locked rate

  1. Under 4%1,648 homes
  2. 4% – 5%351 homes
  3. 5% – 6%322 homes
  4. 6% and up1,542 homes

Colorado listings by loan type

  • FHA1,953 homesmedian 5.12%
  • VA1,942 homesmedian 4.17%

FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.

Run the Colorado numbers

What an assumable ratedoes to a Colorado payment.

The sliders start at the median Colorado assumable listing: $459,999 list price and a 4.75% 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.

$460,000
$345,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

4.75%
26 yrs
Cash to assume (seller’s equity)$115,000

25% 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 Colorado
$1,928/mo
New loan at 7.20%
$2,342
Assumed at 4.75%
$1,928
Every month$414
Over five years$24,853
Interest you never pay$241,64126-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 Colorado listing on UMe shows the actual balance, rate, and payment.

Browse Colorado listings See what you qualify for
How it works in Colorado

How to assumea mortgage in Colorado.

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
  1. 01

    Find a Colorado home with a locked rate.

    Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Colorado map by existing rate, monthly payment, or cash to assume instead of by list price alone.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance, a median of $115,393 in Colorado today. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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 Colorado payment written in a different decade.

Colorado questions

Assuming a mortgagein Colorado.

The numbers below come from current Colorado inventory and update as listings change.

All assumption FAQs

How many assumable homes are for sale in Colorado?

As of October 2026, UMe tracks 3,895 active assumable listings in Colorado. 8 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 FHA (1,953, median 5.12%) and VA (1,942, median 4.17%). 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?

The lowest rate on an active Colorado assumable listing is 2.15%, and the median across all 3,895 listings is 4.75%. 1,648 listings are under 4% and 1,999 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 $1,947 per month versus $2,683 for the same balance at today's rates, a difference of about $736 every month, or $8,828 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 $115,393 on a median list price of $459,999. 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?

The deepest assumable inventory in Colorado is in Colorado Springs (991), Aurora (377), Denver (324), Peyton (120), and Pueblo (106). 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.The rate is already on the house.

Every listing on the Colorado map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.

Browse Colorado homes Talk to an assumption expert Selling a low rate? List it