VATop pick
Active
45$480,000Potential short sale
- Rate
- 2.79%
7.03%today- Payment
- $2,849/mo
$4,633today
- 4beds
- 3baths
- 2,313sqft
Colorado · Statewide
Assumable homes for salein Colorado.
1,192 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.
1,192active assumable listings
2.15%lowest locked rate
$435kmedian list price
$666saved 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 Springs742742 assumable homes · median 5.04%
- 02Peyton8888 assumable homes · median 4.92%
- 03Pueblo7878 assumable homes · median 6.29%
- 04Fountain7474 assumable homes · median 5.16%
- 05Monument4646 assumable homes · median 4.00%
- 06Pueblo West2828 assumable homes · median 6.33%
- 07Florissant2121 assumable homes · median 5.27%
- 08Calhan1919 assumable homes · median 6.39%
- 09Woodland Park1515 assumable homes · median 5.50%
- 10Aurora1010 assumable homes · median 6.37%
- 11Castle Rock66 assumable homes · median 2.98%
- 12Cripple Creek66 assumable homes · median 3.63%
- 13Divide66 assumable homes · median 4.55%
- 14Yoder55 assumable homes · median 6.34%
- 15Cascade33 assumable homes · median 2.67%
- 16Denver33 assumable homes · median 3.56%
- 17Lake George33 assumable homes · median 6.42%
- 18Rush33 assumable homes · median 3.19%
- 19Beulah22 assumable homes · median 4.95%
- 20Larkspur22 assumable homes · median 3.40%
- 21Longmont22 assumable homes · median 6.57%
- 22Ramah22 assumable homes · median 5.87%
- 23Simla22 assumable homes · median 6.80%
- 24Bennett11 assumable home · median 3.33%
- 25Brighton11 assumable home · median 6.17%
- 26Colorado City11 assumable home · median 3.75%
- 27Deer Trail11 assumable home · median 6.67%
- 28Elbert11 assumable home · median 5.10%
- 29Elizabeth11 assumable home · median 6.46%
- 30Florence11 assumable home · median 2.90%
- 31Guffey11 assumable home · median 6.79%
- 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%
- 36Manitou Springs11 assumable home · median 6.94%
- 37Palmer Lake11 assumable home · median 3.99%
- 38Penrose11 assumable home · median 7.44%
- 39Sterling11 assumable home · median 6.63%
- 40Strasburg11 assumable home · median 6.95%
- 41Watkins11 assumable home · median 6.58%
- 42Westcliffe11 assumable home · median 6.65%
Also covered in Colorado, no verified assumable listings today:
- Alma
- Antonito
- Arvada
- Avondale
- Bailey
- Bellvue
- Black Hawk
- Blanca
- Boone
- Breckenridge
- 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
- Rockvale
- Rocky Ford
- Rye
- San Luis
- Sedalia
- Sheridan Lake
- Silver Cliff
- Silverthorne
- South Fork
- Springfield
- 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 September 2026.
How assumptions work for buyersColorado has 1,192 homes for sale with an assumable mortgage as of September 2026: 906 VA loans and 286 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 5.22%; 473 listings are under 4% and 568 are under 5%.
The median assumable home in Colorado lists for $435,000, with a median of $92,683 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 $2,014 a month versus $2,680 for the same balance at today's rate, roughly $666 kept every month and $7,986 a year. The deepest Colorado inventory is in Colorado Springs (742), Peyton (88), Pueblo (78), Fountain (74), and Monument (46).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 1,192 on the map Homes on the marketacross Colorado.
VATop pick
Active
32$485,000$23,053 down
- Rate
- 2.80%
7.03%today- Payment
- $2,133/mo
$3,464today
- 4beds
- 3baths
- 1,940sqft
6751 Skuna Drive, Colorado Springs
VATop pick
Active
37$455,000$15,638 down
- Rate
- 2.86%
7.03%today- Payment
- $2,038/mo
$3,284today
- 4beds
- 2baths
- 2,202sqft
3317 Bijou Street, Colorado Springs
VATop pick
Active
19$270,000Potential short sale
- Rate
- 2.88%
7.03%today- Payment
- $1,253/mo
$2,014today
- 2beds
- 3baths
- 1,306sqft
7698 Sandy Springs Point, Fountain
VATop pick
Active
15$420,000Potential short sale
- Rate
- 2.90%
7.03%today- Payment
- $2,024/mo
$3,245today
- 4beds
- 3baths
- 1,982sqft
10758 Witcher Drive, Colorado Springs
VATop pick
Active
19$390,000$19,458 down
- Rate
- 2.98%
7.03%today- Payment
- $1,761/mo
$2,795today
- 4beds
- 3baths
- 1,994sqft
6773 Galpin Drive, 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 September 2026.
- Active listings
- 1,192
- UMe Certified / verified
- 0
- Lowest rate
- 2.15%
- Median rate
- 5.22%
- Median list price
- $435,000
- Median cash to assume
- $92,683
Colorado listings by locked rate
- Under 4%473 homes
- 4% – 5%95 homes
- 5% – 6%104 homes
- 6% and up520 homes
Colorado listings by loan type
- VA906 homesmedian 4.93%
- FHA286 homesmedian 6.08%
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: $435,000 list price and a 5.22% 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)$95,000
22% 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
$1,990/mo
New loan at 7.20%$2,308
Assumed at 5.20%
$1,990
Every month$318
Over five years$19,097
Interest you never pay$210,08526-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 $92,683 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 September 2026, UMe tracks 1,192 active assumable listings in Colorado. 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 (906, median 4.93%) and FHA (286, median 6.08%). 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 1,192 listings is 5.22%. 473 listings are under 4% and 568 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 $2,014 per month versus $2,680 for the same balance at today's rates, a difference of about $666 every month, or $7,986 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 $92,683 on a median list price of $435,000. 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 (742), Peyton (88), Pueblo (78), Fountain (74), and Monument (46). 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.
