Seller-carry homes
Assumable mortgages

Buy a home with a low rate already on it.

Some sellers have a VA or FHA loan you can take over - their low rate, their remaining balance - instead of borrowing at today's rates. We pull every one for sale in Colorado, every day - including homes whose last buyer used one of these loans, even when the listing never mentions it.

-Assumable or likely assumable homes
-Lowest stated rate
-Typical stated rate

Get assumable homes first

Tell us what you're looking for. We'll send new assumable listings and help you check you qualify to take one over.

or
1. Find oneMost homes below have an assumable loan mentioned by the listing agent - the badge shows the rate when they state it. Homes marked Likely were last bought with an FHA or VA loan, which normally stays with the home; we confirm it before you offer.
2. Take over the loanYou keep the seller's rate and remaining years. VA loans can be assumed by buyers who aren't veterans.
3. Cover the gapYou pay the seller the difference between price and loan balance - in cash, or partly with a second loan.
4. We handle itThe loan servicer approves you like a normal loan. We run the paperwork from offer to closing.

See what a low rate is worth

An example: a $550,000 home with a $380,000 FHA loan at 2.75% and 26 years left. Move the sliders - every listing below has the same calculator on its page with its own numbers.

  • The monthly payment on the assumed loan is fixed at the seller's rate.
  • Most of the saving is interest - often six figures over the life of the loan.
  • Assumable homes are rare, so they are worth seeing early.

Assumable homes for sale

Updated daily from the MLS. Rates are what the listing agent wrote; always confirm with them. "Likely" homes come from the MLS record of how the current owner bought the home.

See all assumable homes →

Loading assumable homes...

See all assumable homes →

Assumable loan questions

What is an assumable mortgage?

A loan the buyer can take over from the seller, keeping its interest rate, balance and remaining term. Most VA, FHA and USDA loans are assumable; most conventional loans are not.

Do I have to be a veteran to assume a VA loan?

No. Anyone who qualifies with the loan servicer can assume a VA loan. If the buyer is not a veteran, the seller's VA entitlement stays with the loan until it is paid off, which some sellers care about - we talk that through with them.

How do I pay the seller's equity?

The difference between the price and the loan balance is paid at closing, in cash or partly with a second loan. The calculator on each listing shows both ways.

How long does an assumption take?

Servicers typically take 30 to 90 days to approve an assumption, longer than a normal loan. We plan the closing date around it from the start.

Are the rates on this page guaranteed?

No. They are what each listing agent wrote in the listing. We confirm the real rate, balance and terms with the listing agent and the servicer before you write an offer.

Listing information is from the MLS and deemed reliable but not guaranteed. Loan details are as stated by each listing agent; assumption is subject to servicer approval and buyer qualification. Payment and savings figures are estimates only, not a loan offer.