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Colorado · Statewide

Assumable homes for salein Colorado.

3,735 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 3,735 Colorado listings Get pre-qualified

Live MLS data · Updated

Colorado assumable market
by the numbers.

3,735active assumable listings
2.15%lowest locked rate
$455kmedian list price
$689saved 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 Springs962962 assumable homes · median 4.96%
  2. 02Aurora363363 assumable homes · median 4.87%
  3. 03Denver296296 assumable homes · median 4.53%
  4. 04Peyton116116 assumable homes · median 5.24%
  5. 05Pueblo101101 assumable homes · median 5.54%
  6. 06Fountain9797 assumable homes · median 4.12%
  7. 07Commerce City9292 assumable homes · median 5.05%
  8. 08Greeley9191 assumable homes · median 5.87%
  9. 09Littleton7878 assumable homes · median 3.90%
  10. 10Monument6969 assumable homes · median 4.00%
  11. 11Parker6969 assumable homes · median 4.31%
  12. 12Thornton6969 assumable homes · median 3.85%
  13. 13Castle Rock6565 assumable homes · median 4.14%
  14. 14Brighton5959 assumable homes · median 5.10%
  15. 15Arvada4646 assumable homes · median 5.57%
  16. 16Loveland4646 assumable homes · median 3.75%
  17. 17Pueblo West4646 assumable homes · median 6.33%
  18. 18Longmont4242 assumable homes · median 4.65%
  19. 19Fort Collins3838 assumable homes · median 4.75%
  20. 20Westminster3737 assumable homes · median 3.97%
  21. 21Lakewood3434 assumable homes · median 4.11%
  22. 22Johnstown3333 assumable homes · median 5.88%
  23. 23Florissant3232 assumable homes · median 6.15%
  24. 24Fort Lupton2929 assumable homes · median 6.22%
  25. 25Frederick2828 assumable homes · median 6.11%
  26. 26Elizabeth2727 assumable homes · median 5.22%
  27. 27Broomfield2525 assumable homes · median 4.75%
  28. 28Severance2424 assumable homes · median 3.69%
  29. 29Calhan2121 assumable homes · median 6.39%
  30. 30Evans2121 assumable homes · median 5.55%
  31. 31Bennett2020 assumable homes · median 5.52%
  32. 32Highlands Ranch2020 assumable homes · median 4.48%
  33. 33Milliken2020 assumable homes · median 4.77%
  34. 34Woodland Park2020 assumable homes · median 5.38%
  35. 35Fort Morgan1818 assumable homes · median 5.52%
  36. 36Centennial1717 assumable homes · median 6.27%
  37. 37Wellington1717 assumable homes · median 6.34%
  38. 38Bailey1515 assumable homes · median 4.55%
  39. 39Windsor1515 assumable homes · median 4.30%
  40. 40Berthoud1414 assumable homes · median 3.77%
  41. 41Mead1414 assumable homes · median 4.56%
  42. 42Northglenn1414 assumable homes · median 4.90%
  43. 43Divide1313 assumable homes · median 3.69%
  44. 44Evergreen1313 assumable homes · median 4.81%
  45. 45Cripple Creek1212 assumable homes · median 3.90%
  46. 46Englewood1212 assumable homes · median 6.21%
  47. 47Erie1212 assumable homes · median 4.63%
  48. 48Boulder1111 assumable homes · median 5.75%
  49. 49Firestone1111 assumable homes · median 3.76%
  50. 50Eaton1010 assumable homes · median 3.64%
  51. 51Strasburg1010 assumable homes · median 4.27%
  52. 52Castle Pines99 assumable homes · median 3.30%
  53. 53Watkins99 assumable homes · median 6.58%
  54. 54Wheat Ridge99 assumable homes · median 4.34%
  55. 55Elbert88 assumable homes · median 6.28%
  56. 56Estes Park88 assumable homes · median 6.04%
  57. 57Golden88 assumable homes · median 3.83%
  58. 58Keenesburg88 assumable homes · median 3.73%
  59. 59Lochbuie88 assumable homes · median 5.45%
  60. 60Westcliffe88 assumable homes · median 6.44%
  61. 61Ault77 assumable homes · median 3.78%
  62. 62Byers77 assumable homes · median 6.74%
  63. 63Conifer77 assumable homes · median 3.91%
  64. 64Fairplay77 assumable homes · median 4.14%
  65. 65Larkspur77 assumable homes · median 3.60%
  66. 66Morrison77 assumable homes · median 3.91%
  67. 67Ramah77 assumable homes · median 6.50%
  68. 68Black Hawk66 assumable homes · median 4.32%
  69. 69Dacono66 assumable homes · median 6.64%
  70. 70Kiowa66 assumable homes · median 4.49%
  71. 71Lafayette66 assumable homes · median 5.20%
  72. 72Livermore66 assumable homes · median 6.11%
  73. 73Pine66 assumable homes · median 3.19%
  74. 74Sterling66 assumable homes · median 3.39%
  75. 75Timnath66 assumable homes · median 5.93%
  76. 76Yoder66 assumable homes · median 6.50%
  77. 77Brush55 assumable homes · median 4.14%
  78. 78Deer Trail55 assumable homes · median 5.41%
  79. 79Drake55 assumable homes · median 2.88%
  80. 80Hartsel55 assumable homes · median 6.57%
  81. 81Hudson55 assumable homes · median 3.18%
  82. 82Nunn55 assumable homes · median 6.50%
  83. 83Como44 assumable homes · median 3.48%
  84. 84Cotopaxi44 assumable homes · median 3.78%
  85. 85Crestone44 assumable homes · median 6.70%
  86. 86Florence44 assumable homes · median 3.69%
  87. 87Franktown44 assumable homes · median 5.84%
  88. 88Lake George44 assumable homes · median 6.53%
  89. 89Rush44 assumable homes · median 6.39%
  90. 90Briggsdale33 assumable homes · median 6.27%
  91. 91Buena Vista33 assumable homes · median 6.58%
  92. 92Green Mountain Falls33 assumable homes · median 2.97%
  93. 93Henderson33 assumable homes · median 4.17%
  94. 94La Salle33 assumable homes · median 2.98%
  95. 95La Veta33 assumable homes · median 2.83%
  96. 96Lyons33 assumable homes · median 2.96%
  97. 97Manitou Springs33 assumable homes · median 6.76%
  98. 98Pierce33 assumable homes · median 6.54%
  99. 99Red Feather Lakes33 assumable homes · median 6.44%
  100. 100Rye33 assumable homes · median 4.46%
  101. 101Trinidad33 assumable homes · median 5.00%
  102. 102Walden33 assumable homes · median 4.17%
  103. 103Wiggins33 assumable homes · median 5.30%
  104. 104Beulah22 assumable homes · median 3.06%
  105. 105Cascade22 assumable homes · median 2.53%
  106. 106Fort Garland22 assumable homes · median 5.63%
  107. 107Georgetown22 assumable homes · median 5.76%
  108. 108Gilcrest22 assumable homes · median 5.68%
  109. 109Gill22 assumable homes · median 3.95%
  110. 110Idaho Springs22 assumable homes · median 4.87%
  111. 111Leadville22 assumable homes · median 5.68%
  112. 112Limon22 assumable homes · median 3.74%
  113. 113Nederland22 assumable homes · median 5.23%
  114. 114Orchard22 assumable homes · median 6.50%
  115. 115Sedalia22 assumable homes · median 2.90%
  116. 116Shawnee22 assumable homes · median 2.96%
  117. 117Simla22 assumable homes · median 6.36%
  118. 118Walsh22 assumable homes · median 2.97%
  119. 119Ward22 assumable homes · median 5.84%
  120. 120Alamosa11 assumable home · median 6.26%
  121. 121Bellvue11 assumable home · median 4.82%
  122. 122Breckenridge11 assumable home · median 6.66%
  123. 123Buffalo Creek11 assumable home · median 3.10%
  124. 124Burlington11 assumable home · median 5.81%
  125. 125Central City11 assumable home · median 3.06%
  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. 131Dillon11 assumable home · median 3.08%
  132. 132Federal Heights11 assumable home · median 6.09%
  133. 133Fruita11 assumable home · median 2.87%
  134. 134Genoa11 assumable home · median 4.00%
  135. 135Glen Haven11 assumable home · median 2.90%
  136. 136Granite11 assumable home · median 2.39%
  137. 137Guffey11 assumable home · median 3.45%
  138. 138Haxtun11 assumable home · median 5.41%
  139. 139Hillrose11 assumable home · median 2.80%
  140. 140Hooper11 assumable home · median 5.55%
  141. 141Hot Sulphur Springs11 assumable home · median 5.78%
  142. 142Kersey11 assumable home · median 6.44%
  143. 143Kremmling11 assumable home · median 2.83%
  144. 144La Junta11 assumable home · median 6.35%
  145. 145Lone Tree11 assumable home · median 2.71%
  146. 146Louisville11 assumable home · median 3.45%
  147. 147Merino11 assumable home · median 6.35%
  148. 148Moffat11 assumable home · median 2.90%
  149. 149Montrose11 assumable home · median 3.16%
  150. 150Mosca11 assumable home · median 6.46%
  151. 151New Castle11 assumable home · median 3.51%
  152. 152Palmer Lake11 assumable home · median 3.82%
  153. 153Peetz11 assumable home · median 2.74%
  154. 154Penrose11 assumable home · median 2.88%
  155. 155Platteville11 assumable home · median 6.94%
  156. 156Poncha Springs11 assumable home · median 2.94%
  157. 157Rockvale11 assumable home · median 3.45%
  158. 158Salida11 assumable home · median 4.17%
  159. 159Sanford11 assumable home · median 6.84%
  160. 160Silver Cliff11 assumable home · median 6.54%
  161. 161Stratton11 assumable home · median 6.32%
  162. 162Superior11 assumable home · median 2.96%
  163. 163Twin Lakes11 assumable home · median 6.57%
  164. 164Wetmore11 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 November 2026.

How assumptions work for buyers

Colorado has 3,735 homes for sale with an assumable mortgage as of November 2026: 1,886 VA loans and 1,849 FHA 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 4.96%; 1,541 listings are under 4% and 1,881 are under 5%.

The median assumable home in Colorado lists for $455,000, with a median of $113,329 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 $1,998 a month versus $2,688 for the same balance at today's rate, roughly $689 kept every month and $8,272 a year. The deepest Colorado inventory is in Colorado Springs (962), Aurora (363), Denver (296), Peyton (116), and Pueblo (101).

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 3,735 on the map
2327 Condor Street, Colorado Springs, CO, 80909 — assumable VA mortgage at 2.25%
VA
Active
39
$425,000$112,309 equity gap
Rate
2.25%
7.18%today
Payment
$1,395/mo
$2,473today
  • 4beds
  • 2baths
  • 1,804sqft

2327 Condor Street, Colorado Springs

7181 Van Gordon Street, Arvada, CO, 80004 — assumable FHA mortgage at 2.99%
FHA
Active
38
$549,000$114,068 equity gap
Rate
2.99%
7.18%today
Payment
$2,047/mo
$3,293today
  • 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$39,957 equity gap
Rate
3.82%
7.18%today
Payment
$931/mo
$1,350today
  • 2beds
  • 1baths
  • 1,062sqft

4066 Atchison Way #102, Aurora

3418 High Creek Road, Fairplay, CO, 80440 — assumable VA mortgage at 4.00%
VA
Active
42
$1,245,000$134,837 equity gap
Rate
4.00%
7.18%today
Payment
$5,729/mo
$8,129today
  • 4beds
  • 5baths
  • 3,941sqft

3418 High Creek Road, Fairplay

117 35th SW Street, Loveland, CO, 80537 — assumable VA mortgage at 2.25%
VA
Active
45
$565,000$245,944 equity gap
Rate
2.25%
7.18%today
Payment
$1,427/mo
$2,530today
  • 4beds
  • 2baths
  • 2,080sqft

117 35th SW Street, Loveland

4105 London Lane, Colorado Springs, CO, 80916 — assumable VA mortgage at 2.25%
VA
Active
47
$375,000$205,252 equity gap
Rate
2.25%
7.18%today
Payment
$759/mo
$1,346today
  • 4beds
  • 2baths
  • 1,655sqft

4105 London Lane, Colorado Springs

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 November 2026.

Active listings
3,735
UMe Certified / verified
8
Lowest rate
2.15%
Median rate
4.96%
Median list price
$455,000
Median cash to assume
$113,329

Colorado listings by locked rate

  1. Under 4%1,541 homes
  2. 4% – 5%340 homes
  3. 5% – 6%320 homes
  4. 6% and up1,504 homes

Colorado listings by loan type

  • VA1,886 homesmedian 4.33%
  • FHA1,849 homesmedian 5.23%

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: $455,000 list price and a 4.96% 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.

$455,000
$340,000

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

4.95%
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
$1,939/mo
New loan at 7.20%
$2,308
Assumed at 4.95%
$1,939
Every month$369
Over five years$22,110
Interest you never pay$225,75126-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 $113,329 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 November 2026, UMe tracks 3,735 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 VA (1,886, median 4.33%) and FHA (1,849, median 5.23%). 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 3,735 listings is 4.96%. 1,541 listings are under 4% and 1,881 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 $1,998 per month versus $2,688 for the same balance at today's rates, a difference of about $689 every month, or $8,272 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 $113,329 on a median list price of $455,000. 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?

The deepest assumable inventory in Colorado is in Colorado Springs (962), Aurora (363), Denver (296), Peyton (116), and Pueblo (101). 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