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
Lakewood, Colorado
Assumable homes for salein Lakewood, Colorado.
39 homes in Lakewood carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.39%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lakewood assumable market
by the numbers.
39active assumable listings
2.39%lowest locked rate
$399kmedian list price
$678saved per month vs. 7.2%
About the market
Assumable mortgagesin Lakewood, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Lakewood. Updated September 2026.
How assumptions work for buyersLakewood, Colorado has 39 homes for sale with an assumable mortgage as of September 2026: 28 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 Lakewood assumable listings start at 2.39% with a median of 3.77%; 22 listings are under 4% and 26 are under 5%.
The median assumable home in Lakewood lists for $399,000, with a median of $119,356 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 $1,427 a month versus $2,105 for the same balance at today's rate, roughly $678 kept every month and $8,140 a year. The most active Lakewood ZIP codes are 80227 (12), 80226 (8), 80228 (6), 80232 (6), and 80215 (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 Lakewood assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lakewood
View all 39 on the map Homes on the marketin Lakewood.
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
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$520,000$44,697 down
- Rate
- 2.88%
6.95%today- Payment
- $2,175/mo
$3,469today
- 3beds
- 2baths
- 1,409sqft
1860 Arkansas Avenue, Denver
FHATop pick
Active
20$195,000$8,898 down
- Rate
- 2.96%
6.95%today- Payment
- $881/mo
$1,390today
- 1beds
- 1baths
- 550sqft
1130 Pennsylvania Street #202, 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 Lakewood.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 39
- UMe Certified / verified
- 0
- Lowest rate
- 2.39%
- Median rate
- 3.77%
- Median list price
- $399,000
- Median cash to assume
- $119,356
Lakewood listings by locked rate
- Under 4%22 homes
- 4% – 5%4 homes
- 5% – 6%3 homes
- 6% and up10 homes
Lakewood listings by loan type
- FHA28 homesmedian 3.83%
- VA11 homesmedian 2.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lakewood ZIP code.
Each ZIP opens the Lakewood map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lakewood numbers
What an assumable ratedoes to a Lakewood payment.
The sliders start at the median Lakewood assumable listing: $399,000 list price and a 3.77% 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
30% 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 Lakewood
$1,406/mo
New loan at 7.20%$1,901
Assumed at 3.75%
$1,406
Every month$494
Over five years$29,663
Interest you never pay$245,47726-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 Lakewood listing on UMe shows the actual balance, rate, and payment.
How it works in Lakewood
How to assumea mortgage in Lakewood.
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 Lakewood home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lakewood 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 $119,356 in Lakewood 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 Lakewood payment written in a different decade.
Lakewood questions
Assuming a mortgagein Lakewood.
The numbers below come from current Lakewood inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lakewood?
As of September 2026, UMe tracks 39 active assumable listings in Lakewood. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lakewood?
Current Lakewood inventory breaks down as FHA (28, median 3.83%) and VA (11, median 2.98%). 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 Lakewood?
The lowest rate on an active Lakewood assumable listing is 2.39%, and the median across all 39 listings is 3.77%. 22 listings are under 4% and 26 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 Lakewood?
Across current Lakewood listings, the median principal-and-interest payment on the assumable loan is $1,427 per month versus $2,105 for the same balance at today's rates, a difference of about $678 every month, or $8,140 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 Lakewood?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lakewood that gap is currently a median of $119,356 on a median list price of $399,000. 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 Lakewood ZIP codes have the most assumable homes?
The Lakewood ZIP codes with the most active assumable listings are 80227 (12), 80226 (8), 80228 (6), 80232 (6), and 80215 (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 Lakewood?
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 Lakewood.The rate is already on the house.
Every listing on the Lakewood map has a rate you can take over. Start with the ones in Lakewood, get pre-qualified in minutes, and let UMe carry the assumption to closing.
