VATop pick
Active
33$520,000$44,697 down
- Rate
- 2.88%
6.95%today- Payment
- $2,175/mo
$3,469today
- 3beds
- 2baths
- 1,409sqft
Highlands Ranch, Colorado
Assumable homes for salein Highlands Ranch, Colorado.
18 homes in Highlands Ranch carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Highlands Ranch assumable market
by the numbers.
18active assumable listings
2.25%lowest locked rate
$655kmedian list price
$1,228saved per month vs. 7.2%
About the market
Assumable mortgagesin Highlands Ranch, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Highlands Ranch. Updated September 2026.
How assumptions work for buyersHighlands Ranch, Colorado has 18 homes for sale with an assumable mortgage as of September 2026: 12 FHA loans and 6 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 Highlands Ranch assumable listings start at 2.25% with a median of 3.88%; 9 listings are under 4% and 10 are under 5%.
The median assumable home in Highlands Ranch lists for $654,950, with a median of $240,793 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 $2,100 a month versus $3,328 for the same balance at today's rate, roughly $1,228 kept every month and $14,736 a year. The most active Highlands Ranch ZIP codes are 80129 (8), 80130 (6), and 80126 (4).
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 Highlands Ranch assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Highlands Ranch
View all 18 on the map Homes on the marketin Highlands Ranch.
VATop pick
Active
41$369,900$31,053 down
- Rate
- 2.90%
6.95%today- Payment
- $1,575/mo
$2,505today
- 2beds
- 2baths
- 1,845sqft
5751 Ithaca Place #4, Denver
VATop pick
Active
33$239,900$18,480 down
- Rate
- 2.98%
6.95%today- Payment
- $1,045/mo
$1,645today
- 2beds
- 2baths
- 1,200sqft
725 Alton Way #7A, Denver
VATop pick
Active
34$565,000$40,897 down
- Rate
- 2.99%
6.95%today- Payment
- $2,455/mo
$3,860today
- 3beds
- 3baths
- 1,514sqft
2825 Merry Rest Way, Castle Rock
VATop pick
Active
39$159,900$12,751 down
- Rate
- 2.99%
6.95%today- Payment
- $713/mo
$1,121today
- 2beds
- 1baths
- 870sqft
9380 Center Avenue #1B, Denver
FHATop pick
Active
46$359,000$29,553 down
- Rate
- 3.07%
6.95%today- Payment
- $1,554/mo
$2,418today
- 3beds
- 2baths
- 1,486sqft
6712 Holland Way, Littleton
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 Highlands Ranch.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 3.88%
- Median list price
- $654,950
- Median cash to assume
- $240,793
Highlands Ranch listings by locked rate
- Under 4%9 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up7 homes
Highlands Ranch listings by loan type
- FHA12 homesmedian 3.33%
- VA6 homesmedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Highlands Ranch ZIP code.
Each ZIP opens the Highlands Ranch map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Highlands Ranch numbers
What an assumable ratedoes to a Highlands Ranch payment.
The sliders start at the median Highlands Ranch assumable listing: $654,950 list price and a 3.88% 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)$240,000
37% 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 Highlands Ranch
$2,119/mo
New loan at 7.20%$2,817
Assumed at 3.90%
$2,119
Every month$698
Over five years$41,905
Interest you never pay$353,12226-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 Highlands Ranch listing on UMe shows the actual balance, rate, and payment.
How it works in Highlands Ranch
How to assumea mortgage in Highlands Ranch.
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 Highlands Ranch home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Highlands Ranch 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 $240,793 in Highlands Ranch 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 Highlands Ranch payment written in a different decade.
Highlands Ranch questions
Assuming a mortgagein Highlands Ranch.
The numbers below come from current Highlands Ranch inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Highlands Ranch?
As of September 2026, UMe tracks 18 active assumable listings in Highlands Ranch. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Highlands Ranch?
Current Highlands Ranch inventory breaks down as FHA (12, median 3.33%) and VA (6, median 6.35%). 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 Highlands Ranch?
The lowest rate on an active Highlands Ranch assumable listing is 2.25%, and the median across all 18 listings is 3.88%. 9 listings are under 4% and 10 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 Highlands Ranch?
Across current Highlands Ranch listings, the median principal-and-interest payment on the assumable loan is $2,100 per month versus $3,328 for the same balance at today's rates, a difference of about $1,228 every month, or $14,736 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 Highlands Ranch?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Highlands Ranch that gap is currently a median of $240,793 on a median list price of $654,950. 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 Highlands Ranch ZIP codes have the most assumable homes?
The Highlands Ranch ZIP codes with the most active assumable listings are 80129 (8), 80130 (6), and 80126 (4). 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 Highlands Ranch?
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 Highlands Ranch.The rate is already on the house.
Every listing on the Highlands Ranch map has a rate you can take over. Start with the ones in Highlands Ranch, get pre-qualified in minutes, and let UMe carry the assumption to closing.
