VA
Active
41$440,000$127,309 equity gap
- Rate
- 2.25%
7.32%today- Payment
- $1,395/mo
$2,507today
- 4beds
- 2baths
- 1,807sqft
Colorado · Statewide
Assumable homes for salein Colorado.
1,228 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%.
Live MLS data · Updated
Colorado assumable market
by the numbers.
1,228active assumable listings
2.15%lowest locked rate
$431kmedian list price
$657saved 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- 01Colorado Springs757757 assumable homes · median 4.81%
- 02Peyton9090 assumable homes · median 5.24%
- 03Fountain7979 assumable homes · median 4.00%
- 04Pueblo7777 assumable homes · median 5.54%
- 05Monument5454 assumable homes · median 3.91%
- 06Pueblo West3232 assumable homes · median 6.30%
- 07Florissant2222 assumable homes · median 5.53%
- 08Woodland Park1616 assumable homes · median 6.05%
- 09Calhan1515 assumable homes · median 6.39%
- 10Aurora99 assumable homes · median 5.25%
- 11Divide77 assumable homes · median 3.43%
- 12Cripple Creek66 assumable homes · median 3.65%
- 13Castle Rock55 assumable homes · median 3.09%
- 14Yoder55 assumable homes · median 6.34%
- 15Cascade44 assumable homes · median 3.01%
- 16Elbert44 assumable homes · median 5.69%
- 17Rush44 assumable homes · median 4.79%
- 18Denver33 assumable homes · median 2.87%
- 19Lake George33 assumable homes · median 6.42%
- 20Larkspur33 assumable homes · median 3.66%
- 21Ramah33 assumable homes · median 6.50%
- 22Beulah22 assumable homes · median 4.95%
- 23Longmont22 assumable homes · median 6.57%
- 24Manitou Springs22 assumable homes · median 6.54%
- 25Westcliffe22 assumable homes · median 6.50%
- 26Bennett11 assumable home · median 3.33%
- 27Colorado City11 assumable home · median 3.75%
- 28Deer Trail11 assumable home · median 6.67%
- 29Elizabeth11 assumable home · median 6.46%
- 30Florence11 assumable home · median 2.90%
- 31Guffey11 assumable home · median 3.45%
- 32Hartsel11 assumable home · median 6.57%
- 33Highlands Ranch11 assumable home · median 6.50%
- 34Hooper11 assumable home · median 5.55%
- 35La Veta11 assumable home · median 2.79%
- 36Palmer Lake11 assumable home · median 3.82%
- 37Sedalia11 assumable home · median 2.99%
- 38Simla11 assumable home · median 6.49%
- 39Strasburg11 assumable home · median 6.95%
- 40Watkins11 assumable home · median 6.58%
Also covered in Colorado, no verified assumable listings today:
- Alma
- Antonito
- Arvada
- Avondale
- Bailey
- Bellvue
- Black Hawk
- Blanca
- Boone
- Breckenridge
- Brighton
- Broomfield
- Buena Vista
- Cañon City
- Castle Pines
- Centennial
- Cherry Hills Village
- Cheyenne Wells
- Cimarron
- Coaldale
- Commerce City
- Como
- Conifer
- Cortez
- Cotopaxi
- Del Norte
- Eagle
- Englewood
- Evergreen
- Fairplay
- Fort Collins
- Fort Garland
- Fowler
- Franktown
- Frisco
- Gardner
- Genoa
- Granby
- Green Mountain Falls
- Hugo
- Idaho Springs
- Kiowa
- Kit Carson
- La Jara
- La Junta
- Lakewood
- Lamar
- Las Animas
- Leadville
- Limon
- Littleton
- Louviers
- Loveland
- Manassa
- Manzanola
- Matheson
- McClave
- Model
- Moffat
- Monte Vista
- Morrison
- Nathrop
- Northglenn
- Ordway
- Pagosa Springs
- Parker
- Penrose
- Rockvale
- Rocky Ford
- Rye
- San Luis
- Sheridan Lake
- Silver Cliff
- Silverthorne
- South Fork
- Springfield
- Sterling
- Thornton
- Timnath
- Trinidad
- Victor
- Walsenburg
- Westminster
- Weston
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 buyersColorado has 1,228 homes for sale with an assumable mortgage as of October 2026: 923 VA loans and 305 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 5.04%; 506 listings are under 4% and 610 are under 5%.
The median assumable home in Colorado lists for $431,500, with a median of $91,121 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 $1,980 a month versus $2,638 for the same balance at today's rate, roughly $657 kept every month and $7,889 a year. The deepest Colorado inventory is in Colorado Springs (757), Peyton (90), Fountain (79), Pueblo (77), and Monument (54).
3 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
View all 1,228 on the map Homes on the marketacross Colorado.
FHA
Active
46$415,000Potential short sale
- Rate
- 4.50%
7.32%today- Payment
- $2,158/mo
$2,926today
- 3beds
- 3baths
- 1,723sqft
8290 Grey Bark Way, Colorado Springs
VA
Active
38$669,000Potential short sale
- Rate
- 5.20%
7.32%today- Payment
- $3,695/mo
$4,622today
- 4beds
- 3baths
- 3,108sqft
7991 Pennydale Drive, Colorado Springs
VATop pick
Active
32$450,000Potential short sale
- Rate
- 2.80%
7.32%today- Payment
- $2,133/mo
$3,566today
- 4beds
- 3baths
- 1,940sqft
6751 Skuna Drive, Colorado Springs
VATop pick
Active
37$455,000$16,629 equity gap
- Rate
- 2.86%
7.32%today- Payment
- $2,038/mo
$3,380today
- 4beds
- 2baths
- 2,202sqft
3317 Bijou Street, Colorado Springs
VATop pick
Active
32$390,000$17,009 equity gap
- Rate
- 2.87%
7.32%today- Payment
- $1,740/mo
$2,882today
- 3beds
- 1baths
- 1,022sqft
31 Meade Avenue, 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 October 2026.
- Active listings
- 1,228
- UMe Certified / verified
- 3
- Lowest rate
- 2.15%
- Median rate
- 5.04%
- Median list price
- $431,500
- Median cash to assume
- $91,121
Colorado listings by locked rate
- Under 4%506 homes
- 4% – 5%104 homes
- 5% – 6%99 homes
- 6% and up519 homes
Colorado listings by loan type
- VA923 homesmedian 4.70%
- FHA305 homesmedian 5.70%
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: $431,500 list price and a 5.04% 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.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$90,000
21% 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
$1,959/mo
New loan at 7.20%$2,308
Assumed at 5.05%
$1,959
Every month$348
Over five years$20,910
Interest you never pay$219,50926-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.
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- 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.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $91,121 in Colorado today. Cash, a second loan, or seller financing can bridge it.
- 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.
- 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 FAQsHow many assumable homes are for sale in Colorado?
As of October 2026, UMe tracks 1,228 active assumable listings in Colorado. 3 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 (923, median 4.70%) and FHA (305, median 5.70%). 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 1,228 listings is 5.04%. 506 listings are under 4% and 610 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 $1,980 per month versus $2,638 for the same balance at today's rates, a difference of about $657 every month, or $7,889 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 $91,121 on a median list price of $431,500. 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 (757), Peyton (90), Fountain (79), Pueblo (77), and Monument (54). 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.
