Active
32$400,000$53,672 down
- Rate
- 2.75%
6.95%today- Payment
- $1,572/mo
$2,549today
- 2beds
- 3baths
- 1,245sqft
Boulder, Colorado
Assumable homes for salein Boulder, Colorado.
8 homes in Boulder carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.38%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Boulder assumable market
by the numbers.
8active assumable listings
2.38%lowest locked rate
$475kmedian list price
$416saved per month vs. 7.2%
About the market
Assumable mortgagesin Boulder, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Boulder. Updated September 2026.
How assumptions work for buyersBoulder, Colorado has 8 homes for sale with an assumable mortgage as of September 2026: 6 FHA loans and 2 VA 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 Boulder assumable listings start at 2.38% with a median of 6.68%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Boulder lists for $474,500, with a median of $397,172 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 $1,052 a month versus $1,468 for the same balance at today's rate, roughly $416 kept every month and $4,995 a year. The most active Boulder ZIP codes are 80301 (4), 80302 (2), and 80304 (2).
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 Boulder assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Boulder
View all 8 on the map Homes on the marketin Boulder.
VA
Active
40$350,000$65,402 down
- Rate
- 3.40%
6.95%today- Payment
- $1,463/mo
$2,184today
- 2beds
- 2baths
- 910sqft
7436 Singing Hills Drive, Boulder
FHA
Active
20$455,000$18,645 down
- Rate
- 4.50%
6.95%today- Payment
- $2,263/mo
$2,957today
- 2beds
- 2baths
- 1,168sqft
9072 Gladiola Way #E, Arvada
VA
Active
37$1,998,000$1,499,035 down
- Rate
- 2.375%
6.95%today- Payment
- $2,202/mo
$3,750today
- 5beds
- 4baths
- 3,631sqft
2040 Oak Avenue, Boulder
VA
Active
42$899,000$418,161 down
- Rate
- 2.66%
6.95%today- Payment
- $2,228/mo
$3,655today
- 4beds
- 4baths
- 2,671sqft
13399 84th Place, Arvada
VA
Active
37$875,000$397,061 down
- Rate
- 2.70%
6.95%today- Payment
- $2,219/mo
$3,621today
- 4beds
- 3baths
- 2,440sqft
2186 Lombardy Street, Longmont
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 Boulder.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.38%
- Median rate
- 6.68%
- Median list price
- $474,500
- Median cash to assume
- $397,172
Boulder listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up4 homes
Boulder listings by loan type
- FHA6 homesmedian 7.70%
- VA2 homesmedian 2.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Boulder ZIP code.
Each ZIP opens the Boulder map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Boulder numbers
What an assumable ratedoes to a Boulder payment.
The sliders start at the median Boulder assumable listing: $474,500 list price and a 6.68% 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)$400,000
84% 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 Boulder
$508/mo
New loan at 7.20%$509
Assumed at 6.70%
$508
Every month$1
Over five years$53
Interest you never pay$24,71326-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 Boulder listing on UMe shows the actual balance, rate, and payment.
How it works in Boulder
How to assumea mortgage in Boulder.
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 Boulder home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Boulder 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 $397,172 in Boulder 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 Boulder payment written in a different decade.
Boulder questions
Assuming a mortgagein Boulder.
The numbers below come from current Boulder inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Boulder?
As of September 2026, UMe tracks 8 active assumable listings in Boulder. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Boulder?
Current Boulder inventory breaks down as FHA (6, median 7.70%) and VA (2, median 2.89%). 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 Boulder?
The lowest rate on an active Boulder assumable listing is 2.38%, and the median across all 8 listings is 6.68%. 2 listings are under 4% and 3 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 Boulder?
Across current Boulder listings, the median principal-and-interest payment on the assumable loan is $1,052 per month versus $1,468 for the same balance at today's rates, a difference of about $416 every month, or $4,995 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 Boulder?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Boulder that gap is currently a median of $397,172 on a median list price of $474,500. 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 Boulder ZIP codes have the most assumable homes?
The Boulder ZIP codes with the most active assumable listings are 80301 (4), 80302 (2), and 80304 (2). 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 Boulder?
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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Boulder.The rate is already on the house.
Every listing on the Boulder map has a rate you can take over. Start with the ones in Boulder, get pre-qualified in minutes, and let UMe carry the assumption to closing.
