2.77% FHA
$290,000
$1,345/mo
6651 Grove Street
Denver, CO
3 bd2 ba1,363 sqft
Denver, Colorado
Keep the rate.
Buy the home in Denver.
364 assumable homes for sale in Denver, with locked rates from 2.35%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.88%
vs 7.2% market
$772/mo saved
Median locked rate
3.88%
Across 364 assumable listings
Typical monthly savings
$772
On a $410,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Denver
Homes with a rate worth keeping
2.88% FHA
$525,000
$2,417/mo
10115 Arbor Place
Littleton, CO
3 bd2 ba1,652 sqft
3.00% VA
$155,000
$769/mo
580 Clinton Street
Denver, CO
2 bd2 ba1,200 sqft
3.07% FHA
$225,000
$1,019/mo
1196 Grant Street
Denver, CO
1 bd1 ba622 sqft
3.07% FHA
$273,000
$1,295/mo
1250 Monaco Street Parkway
Denver, CO
2 bd2 ba944 sqft
3.10% FHA
$279,999
$1,300/mo
2143 Coronado Parkway
Denver, CO
2 bd2 ba985 sqft
Inventory snapshot
What’s assumable in Denver right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 364
- Certified / verified
- 0
- Lowest rate
- 2.35%
- Median rate
- 3.88%
- Median list price
- $410,000
- Median cash to assume
- $130,175
Listings by locked rate
- Under 4%180 homes
- 4% – 5%32 homes
- 5% – 6%29 homes
- 6% and up103 homes
Listings by loan type
- FHA272 homesmedian 4.04%
- VA92 homesmedian 3.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Denver ZIP code
- 80247
51 assumable homes · median 4.04%
median $199,000
- 80249
41 assumable homes · median 5.23%
median $425,000
- 80239
29 assumable homes · median 4.14%
median $430,000
- 80219
25 assumable homes · median 4.37%
median $425,000
- 80221
24 assumable homes · median 3.69%
median $450,000
- 80229
23 assumable homes · median 3.60%
median $349,900
- 80203
12 assumable homes · median 3.46%
median $289,450
- 80211
10 assumable homes · median 4.57%
median $624,975
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Denver.
A 7.2% new loan against an assumable one at 3.88%, same balance, 30 years.
You keep every month
$683/mo
Over a year$8,197
Monthly payment, side by side
7.2% vs 3.88%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Denver
Numbers below come from current Denver inventory and update as listings change.
- How many assumable homes are for sale in Denver?
- As of September 2026, UMe tracks 364 active assumable listings in Denver. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Denver?
- Current Denver inventory breaks down as FHA (272, median 4.04%) and VA (92, median 3.46%). 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 Denver right now?
- The lowest rate on an active Denver assumable listing is 2.35%, and the median across all 364 listings is 3.88%. 180 listings are under 4% and 212 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 Denver?
- Across current Denver listings, the median principal-and-interest payment on the assumable loan is $1,540 per month versus $2,312 for the same balance at today's rates, a difference of about $772 every month, or $9,262 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 Denver?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Denver that gap is currently a median of $130,175 on a median list price of $410,000. 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 Denver ZIP codes have the most assumable homes?
- The Denver ZIP codes with the most active assumable listings are 80247 (51), 80249 (41), 80239 (29), 80219 (25), and 80221 (24). 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 Denver?
- 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 Denver.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
