Active
32$400,000$53,672 down
- Rate
- 2.75%
6.95%today- Payment
- $1,572/mo
$2,549today
- 2beds
- 3baths
- 1,245sqft
Lafayette, Colorado
Assumable homes for salein Lafayette, Colorado.
5 homes in Lafayette carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.90%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lafayette assumable market
by the numbers.
5active assumable listings
3.90%lowest locked rate
$649kmedian list price
$638saved per month vs. 7.2%
About the market
Assumable mortgagesin Lafayette, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Lafayette. Updated September 2026.
How assumptions work for buyersLafayette, Colorado has 5 homes for sale with an assumable mortgage as of September 2026: 4 FHA loans and 1 VA loan 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 Lafayette assumable listings start at 3.90% with a median of 5.50%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Lafayette lists for $649,000, with a median of $147,393 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 $2,727 a month versus $3,365 for the same balance at today's rate, roughly $638 kept every month and $7,653 a year. The most active Lafayette ZIP codes are 80026 (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 Lafayette assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lafayette
View all 5 on the map Homes on the marketin Lafayette.
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
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
FHA
Active
17$395,000$52,226 down
- Rate
- 2.30%
6.95%today- Payment
- $1,492/mo
$2,567today
- 3beds
- 2baths
- 1,130sqft
1100 Russell Boulevard, Thornton
FHA
Active
26$399,900$72,248 down
- Rate
- 2.80%
6.95%today- Payment
- $1,513/mo
$2,437today
- 2beds
- 2baths
- 1,317sqft
2891 119th Avenue #202, Westminster
FHA
Active
23$339,000$62,645 down
- Rate
- 2.84%
6.95%today- Payment
- $1,282/mo
$2,054today
- 3beds
- 3baths
- 1,734sqft
1601 Great Western Drive #4, Longmont
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 Lafayette.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.90%
- Median rate
- 5.50%
- Median list price
- $649,000
- Median cash to assume
- $147,393
Lafayette listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up2 homes
Lafayette listings by loan type
- FHA4 homesmedian 4.73%
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lafayette ZIP code.
Each ZIP opens the Lafayette map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lafayette numbers
What an assumable ratedoes to a Lafayette payment.
The sliders start at the median Lafayette assumable listing: $649,000 list price and a 5.50% 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)$150,000
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 Lafayette
$3,016/mo
New loan at 7.20%$3,394
Assumed at 5.50%
$3,016
Every month$378
Over five years$22,693
Interest you never pay$280,91526-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 Lafayette listing on UMe shows the actual balance, rate, and payment.
How it works in Lafayette
How to assumea mortgage in Lafayette.
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 Lafayette home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lafayette 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 $147,393 in Lafayette 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 Lafayette payment written in a different decade.
Lafayette questions
Assuming a mortgagein Lafayette.
The numbers below come from current Lafayette inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lafayette?
As of September 2026, UMe tracks 5 active assumable listings in Lafayette. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lafayette?
Current Lafayette inventory breaks down as FHA (4, median 4.73%) and VA (1, median 6.50%). 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 Lafayette?
The lowest rate on an active Lafayette assumable listing is 3.90%, and the median across all 5 listings is 5.50%. 2 listings are under 4% and 2 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 Lafayette?
Across current Lafayette listings, the median principal-and-interest payment on the assumable loan is $2,727 per month versus $3,365 for the same balance at today's rates, a difference of about $638 every month, or $7,653 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 Lafayette?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lafayette that gap is currently a median of $147,393 on a median list price of $649,000. 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 Lafayette ZIP codes have the most assumable homes?
The Lafayette ZIP codes with the most active assumable listings are 80026 (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 Lafayette?
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 Lafayette.The rate is already on the house.
Every listing on the Lafayette map has a rate you can take over. Start with the ones in Lafayette, get pre-qualified in minutes, and let UMe carry the assumption to closing.
