FHATop pick
Active
20$214,995Potential short sale
- Rate
- 3.07%
6.95%today- Payment
- $1,019/mo
$1,585today
- 1beds
- 1baths
- 622sqft
Denver, Colorado
Assumable homes for salein Denver, Colorado.
334 homes in Denver carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Denver assumable market
by the numbers.
334active assumable listings
2.00%lowest locked rate
$415kmedian list price
$770saved per month vs. 7.2%
About the market
Assumable mortgagesin Denver, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Denver. Updated September 2026.
How assumptions work for buyersDenver, Colorado has 334 homes for sale with an assumable mortgage as of September 2026: 254 FHA loans and 80 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 Denver assumable listings start at 2.00% with a median of 4.00%; 159 listings are under 4% and 186 are under 5%.
The median assumable home in Denver lists for $415,000, with a median of $120,564 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 $1,577 a month versus $2,347 for the same balance at today's rate, roughly $770 kept every month and $9,236 a year. The most active Denver ZIP codes are 80249 (43), 80247 (41), 80239 (28), 80229 (23), and 80219 (19).
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 Denver assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Denver
View all 334 on the map Homes on the marketin Denver.
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
25$375,000$19,250 down
- Rate
- 2.77%
6.95%today- Payment
- $1,637/mo
$2,648today
- 3beds
- 1baths
- 971sqft
1917 Kingston Street, Aurora
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
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 Denver.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 334
- UMe Certified / verified
- 0
- Lowest rate
- 2.00%
- Median rate
- 4.00%
- Median list price
- $415,000
- Median cash to assume
- $120,564
Denver listings by locked rate
- Under 4%159 homes
- 4% – 5%27 homes
- 5% – 6%32 homes
- 6% and up102 homes
Denver listings by loan type
- FHA254 homesmedian 4.17%
- VA80 homesmedian 3.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Denver ZIP code.
Each ZIP opens the Denver map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 80249
43 assumable homes
median 5.23% · $425,000
- 80247
41 assumable homes
median 3.98% · $205,000
- 80239
28 assumable homes
median 3.73% · $412,500
- 80229
23 assumable homes
median 3.76% · $412,000
- 80219
19 assumable homes
median 4.17% · $485,000
- 80221
17 assumable homes
median 3.43% · $475,000
- 80231
12 assumable homes
median 3.50% · $378,900
- 80260
10 assumable homes
median 4.12% · $340,000
Run the Denver numbers
What an assumable ratedoes to a Denver payment.
The sliders start at the median Denver assumable listing: $415,000 list price and a 4.00% 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)$120,000
29% 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 Denver
$1,522/mo
New loan at 7.20%$2,002
Assumed at 4.00%
$1,522
Every month$480
Over five years$28,805
Interest you never pay$245,90226-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 Denver listing on UMe shows the actual balance, rate, and payment.
How it works in Denver
How to assumea mortgage in Denver.
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 Denver home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Denver 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 $120,564 in Denver 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 Denver payment written in a different decade.
Denver questions
Assuming a mortgagein Denver.
The numbers below come from current Denver inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Denver?
As of September 2026, UMe tracks 334 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 (254, median 4.17%) and VA (80, median 3.58%). 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?
The lowest rate on an active Denver assumable listing is 2.00%, and the median across all 334 listings is 4.00%. 159 listings are under 4% and 186 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 $1,577 per month versus $2,347 for the same balance at today's rates, a difference of about $770 every month, or $9,236 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 $120,564 on a median list price of $415,000. 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 80249 (43), 80247 (41), 80239 (28), 80229 (23), and 80219 (19). 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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Denver.The rate is already on the house.
Every listing on the Denver map has a rate you can take over. Start with the ones in Denver, get pre-qualified in minutes, and let UMe carry the assumption to closing.
