Assumable Mortgage Homes for Sale in Denver, Colorado (CO)
Search active homes in Denver, CO with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Denver Co. · 0.55%/yr), and get quotes from lenders serving Denver.
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Assumable Mortgage Scenarios in Denver & Colorado
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FHA 3.75% AssumableSave -$2,281/mo
VA 2.85% AssumableSave -$7,981/mo
FHA 2.75% AssumableSave -$1,972/mo
VA 3.75% AssumableSave -$3,271/mo
VA 2.75% AssumableSave -$954/mo
VA 2.85% AssumableSave -$7,560/mo
VA 3.75% AssumableSave -$1,915/mo
VA 2.85% AssumableSave -$4,435/mo
VA 2.75% AssumableSave -$4,572/mo
VA 3.75% AssumableSave -$6,031/mo
VA 2.75% AssumableSave -$2,421/mo
VA 2.85% AssumableSave -$1,331/moFrequently Asked Questions: Assumable Loans in Denver, CO
Which loans are assumable in Denver, CO?
All government-insured FHA, VA, and USDA residential mortgages in Denverare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Denver buyers finance the equity gap?
If a home in Denver is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Denver lenders so you only bring 5%–10% down.