Active
46$210,000$38,363 down
- Rate
- 4.75%
6.95%today- Payment
- $1,038/mo
$1,317today
- 2beds
- 1baths
- 1,062sqft
Commerce City, Colorado
Assumable homes for salein Commerce City, Colorado.
97 homes in Commerce City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.20%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Commerce City assumable market
by the numbers.
97active assumable listings
2.20%lowest locked rate
$495kmedian list price
$951saved per month vs. 7.2%
About the market
Assumable mortgagesin Commerce City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Commerce City. Updated September 2026.
How assumptions work for buyersCommerce City, Colorado has 97 homes for sale with an assumable mortgage as of September 2026: 74 FHA loans and 23 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 Commerce City assumable listings start at 2.20% with a median of 5.22%; 36 listings are under 4% and 46 are under 5%.
The median assumable home in Commerce City lists for $495,000, with a median of $114,505 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 $2,098 a month versus $3,050 for the same balance at today's rate, roughly $951 kept every month and $11,414 a year. The most active Commerce City ZIP codes are 80022 (85), 80640 (7), and 80603 (5).
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 Commerce City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Commerce City
View all 97 on the map Homes on the marketin Commerce City.
FHATop pick
Active
27$199,000Potential short sale
- Rate
- 2.94%
6.95%today- Payment
- $994/mo
$1,573today
- 2beds
- 1baths
- 840sqft
14324 Hawaii Circle #E, Aurora
FHATop pick
Active
20$214,995Potential short sale
- Rate
- 3.07%
6.95%today- Payment
- $1,019/mo
$1,585today
- 1beds
- 1baths
- 622sqft
1196 Grant Street #507, Denver
FHATop pick
Active
26$399,000$13,572 down
- Rate
- 3.10%
6.95%today- Payment
- $1,824/mo
$2,827today
- 2beds
- 1baths
- 875sqft
6655 Monaco Drive, Brighton
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
35$290,000$20,991 down
- Rate
- 2.74%
6.95%today- Payment
- $1,251/mo
$2,032today
- 2beds
- 2baths
- 1,038sqft
4572 Crystal Way #B, Aurora
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 Commerce City.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 97
- UMe Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 5.22%
- Median list price
- $495,000
- Median cash to assume
- $114,505
Commerce City listings by locked rate
- Under 4%36 homes
- 4% – 5%10 homes
- 5% – 6%11 homes
- 6% and up40 homes
Commerce City listings by loan type
- FHA74 homesmedian 4.99%
- VA23 homesmedian 6.36%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Commerce City ZIP code.
Each ZIP opens the Commerce City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Commerce City numbers
What an assumable ratedoes to a Commerce City payment.
The sliders start at the median Commerce City assumable listing: $495,000 list price and a 5.22% 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)$115,000
23% 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 Commerce City
$2,224/mo
New loan at 7.20%$2,579
Assumed at 5.20%
$2,224
Every month$356
Over five years$21,344
Interest you never pay$234,80026-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 Commerce City listing on UMe shows the actual balance, rate, and payment.
How it works in Commerce City
How to assumea mortgage in Commerce City.
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 Commerce City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Commerce City 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 $114,505 in Commerce City 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 Commerce City payment written in a different decade.
Commerce City questions
Assuming a mortgagein Commerce City.
The numbers below come from current Commerce City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Commerce City?
As of September 2026, UMe tracks 97 active assumable listings in Commerce City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Commerce City?
Current Commerce City inventory breaks down as FHA (74, median 4.99%) and VA (23, median 6.36%). 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 Commerce City?
The lowest rate on an active Commerce City assumable listing is 2.20%, and the median across all 97 listings is 5.22%. 36 listings are under 4% and 46 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 Commerce City?
Across current Commerce City listings, the median principal-and-interest payment on the assumable loan is $2,098 per month versus $3,050 for the same balance at today's rates, a difference of about $951 every month, or $11,414 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 Commerce City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Commerce City that gap is currently a median of $114,505 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 Commerce City ZIP codes have the most assumable homes?
The Commerce City ZIP codes with the most active assumable listings are 80022 (85), 80640 (7), and 80603 (5). 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 Commerce City?
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 Commerce City.The rate is already on the house.
Every listing on the Commerce City map has a rate you can take over. Start with the ones in Commerce City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
