VATop pick
Active
50$549,900$45,724 down
- Rate
- 3.09%
7.03%today- Payment
- $2,399/mo
$3,753today
- 2beds
- 3baths
- 1,921sqft
Highlands Ranch, Colorado
Assumable homes for salein Highlands Ranch, Colorado.
1 home in Highlands Ranch carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Highlands Ranch assumable market
by the numbers.
1active assumable listing
6.50%lowest locked rate
$545kmedian list price
$167saved per month vs. 7.2%
About the market
Assumable mortgagesin Highlands Ranch, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Highlands Ranch. Updated September 2026.
How assumptions work for buyersHighlands Ranch, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 1 VA loan 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 Highlands Ranch assumable listings start at 6.50% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Highlands Ranch lists for $545,000, with a median of $311,037 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 $1,543 a month versus $1,710 for the same balance at today's rate, roughly $167 kept every month and $2,007 a year. The most active Highlands Ranch ZIP codes are 80130 (1).
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 Highlands Ranch assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Highlands Ranch
View all 1 on the map Homes on the marketin Highlands Ranch.
VA
Active
34$799,999$183,510 down
- Rate
- 2.86%
7.03%today- Payment
- $2,866/mo
$4,618today
- 6beds
- 3baths
- 3,939sqft
395 Dawson Court, Castle Rock
FHA
Active
40$419,000$173,184 down
- Rate
- 2.71%
7.03%today- Payment
- $1,148/mo
$1,886today
- 3beds
- 3baths
- 1,571sqft
1486 Nemrick Place, Castle Rock
VA
Active
$480,000$208,039 down
- Rate
- 2.88%
7.03%today- Payment
- $1,300/mo
$2,089today
- 2beds
- 3baths
- 1,503sqft
4298 Meadows Drive, Castle Rock
VA
Active
$290,000$57,341 down
- Rate
- 5.25%
7.03%today- Payment
- $1,370/mo
$1,656today
- 2beds
- 2baths
- 882sqft
1204 Uvalda Street, Aurora
VA
Active
33$669,900$25,619 down
- Rate
- 6.67%
7.03%today- Payment
- $4,266/mo
$4,425today
- 6beds
- 5baths
- 4,328sqft
2317 Cactus Bloom Court, Castle Rock
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 Highlands Ranch.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 6.50%
- Median list price
- $545,000
- Median cash to assume
- $311,037
Highlands Ranch listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Highlands Ranch listings by loan type
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Highlands Ranch ZIP code.
Each ZIP opens the Highlands Ranch map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Highlands Ranch numbers
What an assumable ratedoes to a Highlands Ranch payment.
The sliders start at the median Highlands Ranch assumable listing: $545,000 list price and a 6.50% 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)$310,000
57% 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 Highlands Ranch
$1,563/mo
New loan at 7.20%$1,595
Assumed at 6.50%
$1,563
Every month$33
Over five years$1,956
Interest you never pay$86,73726-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 Highlands Ranch listing on UMe shows the actual balance, rate, and payment.
How it works in Highlands Ranch
How to assumea mortgage in Highlands Ranch.
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 Highlands Ranch home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Highlands Ranch 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 $311,037 in Highlands Ranch 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 Highlands Ranch payment written in a different decade.
Highlands Ranch questions
Assuming a mortgagein Highlands Ranch.
The numbers below come from current Highlands Ranch inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Highlands Ranch?
As of September 2026, UMe tracks 1 active assumable listing in Highlands Ranch. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Highlands Ranch?
Current Highlands Ranch inventory breaks down as VA (1, median 6.50%). 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 Highlands Ranch?
The lowest rate on an active Highlands Ranch assumable listing is 6.50%, and the median across all 1 listing is 6.50%. 0 listings are under 4% and 0 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 Highlands Ranch?
Across current Highlands Ranch listings, the median principal-and-interest payment on the assumable loan is $1,543 per month versus $1,710 for the same balance at today's rates, a difference of about $167 every month, or $2,007 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 Highlands Ranch?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Highlands Ranch that gap is currently a median of $311,037 on a median list price of $545,000. 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 Highlands Ranch ZIP codes have the most assumable homes?
The Highlands Ranch ZIP codes with the most active assumable listings are 80130 (1). 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 Highlands Ranch?
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 Highlands Ranch.The rate is already on the house.
Every listing on the Highlands Ranch map has a rate you can take over. Start with the ones in Highlands Ranch, get pre-qualified in minutes, and let UMe carry the assumption to closing.
