FHATop pick
Active
20$214,995Potential short sale
- Rate
- 3.07%
6.95%today- Payment
- $1,019/mo
$1,585today
- 1beds
- 1baths
- 622sqft
Littleton, Colorado
Assumable homes for salein Littleton, Colorado.
81 homes in Littleton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Littleton assumable market
by the numbers.
81active assumable listings
2.50%lowest locked rate
$519kmedian list price
$938saved per month vs. 7.2%
About the market
Assumable mortgagesin Littleton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Littleton. Updated September 2026.
How assumptions work for buyersLittleton, Colorado has 81 homes for sale with an assumable mortgage as of September 2026: 55 FHA loans and 26 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 Littleton assumable listings start at 2.50% with a median of 4.12%; 37 listings are under 4% and 48 are under 5%.
The median assumable home in Littleton lists for $518,999, with a median of $126,222 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 $1,805 a month versus $2,742 for the same balance at today's rate, roughly $938 kept every month and $11,252 a year. The most active Littleton ZIP codes are 80123 (23), 80125 (19), 80128 (14), 80127 (12), and 80120 (3).
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 Littleton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Littleton
View all 81 on the map Homes on the marketin Littleton.
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
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
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
FHATop pick
Active
17$345,000$24,942 down
- Rate
- 3.10%
6.95%today- Payment
- $1,518/mo
$2,353today
- 2beds
- 2baths
- 1,078sqft
3727 Cactus Creek Court #104, Highlands Ranch
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 Littleton.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 81
- UMe Certified / verified
- 0
- Lowest rate
- 2.50%
- Median rate
- 4.12%
- Median list price
- $518,999
- Median cash to assume
- $126,222
Littleton listings by locked rate
- Under 4%37 homes
- 4% – 5%11 homes
- 5% – 6%2 homes
- 6% and up28 homes
Littleton listings by loan type
- FHA55 homesmedian 4.21%
- VA26 homesmedian 4.03%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Littleton ZIP code.
Each ZIP opens the Littleton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 80123
23 assumable homes
median 3.77% · $380,000
- 80125
19 assumable homes
median 6.34% · $679,000
- 80128
14 assumable homes
median 3.34% · $382,000
- 80127
12 assumable homes
median 6.39% · $635,000
- 80120
3 assumable homes
median 3.17% · $585,000
- 80121
3 assumable homes
median 3.08% · $549,999
- 80122
3 assumable homes
median 3.45% · $410,000
- 80126
2 assumable homes
median 5.86% · $426,000
Run the Littleton numbers
What an assumable ratedoes to a Littleton payment.
The sliders start at the median Littleton assumable listing: $518,999 list price and a 4.12% 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)$125,000
24% 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 Littleton
$2,060/mo
New loan at 7.20%$2,681
Assumed at 4.10%
$2,060
Every month$621
Over five years$37,245
Interest you never pay$322,37226-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 Littleton listing on UMe shows the actual balance, rate, and payment.
How it works in Littleton
How to assumea mortgage in Littleton.
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 Littleton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Littleton 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 $126,222 in Littleton 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 Littleton payment written in a different decade.
Littleton questions
Assuming a mortgagein Littleton.
The numbers below come from current Littleton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Littleton?
As of September 2026, UMe tracks 81 active assumable listings in Littleton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Littleton?
Current Littleton inventory breaks down as FHA (55, median 4.21%) and VA (26, median 4.03%). 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 Littleton?
The lowest rate on an active Littleton assumable listing is 2.50%, and the median across all 81 listings is 4.12%. 37 listings are under 4% and 48 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 Littleton?
Across current Littleton listings, the median principal-and-interest payment on the assumable loan is $1,805 per month versus $2,742 for the same balance at today's rates, a difference of about $938 every month, or $11,252 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 Littleton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Littleton that gap is currently a median of $126,222 on a median list price of $518,999. 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 Littleton ZIP codes have the most assumable homes?
The Littleton ZIP codes with the most active assumable listings are 80123 (23), 80125 (19), 80128 (14), 80127 (12), and 80120 (3). 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 Littleton?
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 Littleton.The rate is already on the house.
Every listing on the Littleton map has a rate you can take over. Start with the ones in Littleton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
