FHATop pick
Active
41$510,000$30,816 down
- Rate
- 2.90%
6.95%today- Payment
- $2,227/mo
$3,542today
- 3beds
- 3baths
- 1,798sqft
Broomfield, Colorado
Assumable homes for salein Broomfield, Colorado.
29 homes in Broomfield carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.68%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Broomfield assumable market
by the numbers.
29active assumable listings
2.68%lowest locked rate
$585kmedian list price
$440saved per month vs. 7.2%
About the market
Assumable mortgagesin Broomfield, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Broomfield. Updated September 2026.
How assumptions work for buyersBroomfield, Colorado has 29 homes for sale with an assumable mortgage as of September 2026: 18 FHA loans and 11 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 Broomfield assumable listings start at 2.68% with a median of 4.57%; 10 listings are under 4% and 17 are under 5%.
The median assumable home in Broomfield lists for $585,000, with a median of $283,013 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 $1,961 a month versus $2,401 for the same balance at today's rate, roughly $440 kept every month and $5,278 a year. The most active Broomfield ZIP codes are 80020 (19), 80023 (8), and 80021 (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 Broomfield assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Broomfield
View all 29 on the map Homes on the marketin Broomfield.
FHATop pick
Active
16$279,999$5,916 down
- Rate
- 3.10%
6.95%today- Payment
- $1,300/mo
$2,015today
- 2beds
- 2baths
- 985sqft
2143 Coronado Parkway #C, Denver
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
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
42$360,000$21,395 down
- Rate
- 3.07%
6.95%today- Payment
- $1,604/mo
$2,496today
- 4beds
- 3baths
- 1,800sqft
10176 Quivas Street, Thornton
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 Broomfield.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 29
- UMe Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 4.57%
- Median list price
- $585,000
- Median cash to assume
- $283,013
Broomfield listings by locked rate
- Under 4%10 homes
- 4% – 5%7 homes
- 5% – 6%0 homes
- 6% and up12 homes
Broomfield listings by loan type
- FHA18 homesmedian 4.89%
- VA11 homesmedian 3.94%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Broomfield ZIP code.
Each ZIP opens the Broomfield map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Broomfield numbers
What an assumable ratedoes to a Broomfield payment.
The sliders start at the median Broomfield assumable listing: $585,000 list price and a 4.57% 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)$285,000
49% 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 Broomfield
$1,642/mo
New loan at 7.20%$2,036
Assumed at 4.55%
$1,642
Every month$395
Over five years$23,691
Interest you never pay$220,93726-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 Broomfield listing on UMe shows the actual balance, rate, and payment.
How it works in Broomfield
How to assumea mortgage in Broomfield.
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 Broomfield home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Broomfield 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 $283,013 in Broomfield 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 Broomfield payment written in a different decade.
Broomfield questions
Assuming a mortgagein Broomfield.
The numbers below come from current Broomfield inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Broomfield?
As of September 2026, UMe tracks 29 active assumable listings in Broomfield. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Broomfield?
Current Broomfield inventory breaks down as FHA (18, median 4.89%) and VA (11, median 3.94%). 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 Broomfield?
The lowest rate on an active Broomfield assumable listing is 2.68%, and the median across all 29 listings is 4.57%. 10 listings are under 4% and 17 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 Broomfield?
Across current Broomfield listings, the median principal-and-interest payment on the assumable loan is $1,961 per month versus $2,401 for the same balance at today's rates, a difference of about $440 every month, or $5,278 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 Broomfield?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Broomfield that gap is currently a median of $283,013 on a median list price of $585,000. 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 Broomfield ZIP codes have the most assumable homes?
The Broomfield ZIP codes with the most active assumable listings are 80020 (19), 80023 (8), and 80021 (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 Broomfield?
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 Broomfield.The rate is already on the house.
Every listing on the Broomfield map has a rate you can take over. Start with the ones in Broomfield, get pre-qualified in minutes, and let UMe carry the assumption to closing.
