FHATop pick
Active
26$399,000$13,572 down
- Rate
- 3.10%
6.95%today- Payment
- $1,824/mo
$2,827today
- 2beds
- 1baths
- 875sqft
Brighton, Colorado
Assumable homes for salein Brighton, Colorado.
73 homes in Brighton 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
Brighton assumable market
by the numbers.
73active assumable listings
2.38%lowest locked rate
$495kmedian list price
$989saved per month vs. 7.2%
About the market
Assumable mortgagesin Brighton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Brighton. Updated September 2026.
How assumptions work for buyersBrighton, Colorado has 73 homes for sale with an assumable mortgage as of September 2026: 59 FHA loans and 14 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 Brighton assumable listings start at 2.38% with a median of 4.13%; 34 listings are under 4% and 41 are under 5%.
The median assumable home in Brighton lists for $495,000, with a median of $109,307 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 $1,976 a month versus $2,965 for the same balance at today's rate, roughly $989 kept every month and $11,868 a year. The most active Brighton ZIP codes are 80601 (47), 80603 (14), and 80602 (12).
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 Brighton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Brighton
View all 73 on the map Homes on the marketin Brighton.
VATop pick
Active
33$523,000$33,718 down
- Rate
- 2.75%
6.95%today- Payment
- $2,242/mo
$3,635today
- 4beds
- 3baths
- 2,000sqft
5505 117th Circle, Denver
VATop pick
Active
27$320,000$24,113 down
- Rate
- 2.84%
6.95%today- Payment
- $1,369/mo
$2,194today
- 2beds
- 2baths
- 1,147sqft
3281 103rd Place #1403, Thornton
FHATop pick
Active
34$390,000$45,221 down
- Rate
- 2.87%
6.95%today- Payment
- $1,608/mo
$2,567today
- 3beds
- 1baths
- 1,027sqft
12342 Newport Court, Brighton
FHATop pick
Active
36$561,000$40,437 down
- Rate
- 2.88%
6.95%today- Payment
- $2,404/mo
$3,832today
- 5beds
- 4baths
- 2,420sqft
5141 116th Avenue, Thornton
FHATop pick
Active
33$380,000$23,809 down
- Rate
- 2.90%
6.95%today- Payment
- $1,656/mo
$2,633today
- 3beds
- 3baths
- 1,540sqft
17820 96th Place, Commerce City
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 Brighton.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 73
- UMe Certified / verified
- 0
- Lowest rate
- 2.38%
- Median rate
- 4.13%
- Median list price
- $495,000
- Median cash to assume
- $109,307
Brighton listings by locked rate
- Under 4%34 homes
- 4% – 5%7 homes
- 5% – 6%5 homes
- 6% and up26 homes
Brighton listings by loan type
- FHA59 homesmedian 4.17%
- VA14 homesmedian 3.70%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Brighton ZIP code.
Each ZIP opens the Brighton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Brighton numbers
What an assumable ratedoes to a Brighton payment.
The sliders start at the median Brighton assumable listing: $495,000 list price and a 4.13% 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)$110,000
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 Brighton
$2,019/mo
New loan at 7.20%$2,613
Assumed at 4.15%
$2,019
Every month$594
Over five years$35,654
Interest you never pay$310,84126-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 Brighton listing on UMe shows the actual balance, rate, and payment.
How it works in Brighton
How to assumea mortgage in Brighton.
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 Brighton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Brighton 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 $109,307 in Brighton 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 Brighton payment written in a different decade.
Brighton questions
Assuming a mortgagein Brighton.
The numbers below come from current Brighton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Brighton?
As of September 2026, UMe tracks 73 active assumable listings in Brighton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Brighton?
Current Brighton inventory breaks down as FHA (59, median 4.17%) and VA (14, median 3.70%). 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 Brighton?
The lowest rate on an active Brighton assumable listing is 2.38%, and the median across all 73 listings is 4.13%. 34 listings are under 4% and 41 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 Brighton?
Across current Brighton listings, the median principal-and-interest payment on the assumable loan is $1,976 per month versus $2,965 for the same balance at today's rates, a difference of about $989 every month, or $11,868 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 Brighton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Brighton that gap is currently a median of $109,307 on a median list price of $495,000. 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 Brighton ZIP codes have the most assumable homes?
The Brighton ZIP codes with the most active assumable listings are 80601 (47), 80603 (14), and 80602 (12). 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 Brighton?
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 Brighton.The rate is already on the house.
Every listing on the Brighton map has a rate you can take over. Start with the ones in Brighton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
