Colorado FHA Assumable Homes for Sale
53 Properties Found
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$560,000
Active
4
Beds
3
Baths
2214
Sqft
0.12
Acres
10186 Ventura St, Commerce City, CO 80022
MLS#: REC3553542
$359,900
Active
5
Beds
2
Baths
1831
Sqft
0.1716
Acres
1522 Wynkoop Dr, Colorado Springs, CO 80909
MLS#: 8655994
$315,000
Active
2
Beds
2
Baths
1082
Sqft
--
Acres
22675 E Ontario Dr #104, Aurora, CO 80016
MLS#: REC5334474
$355,000
Active
2
Beds
1
Baths
901
Sqft
0.1203
Acres
1220 E Platte Ave, Colorado Springs, CO 80909
MLS#: 7467046
Colorado FHA Assumable Homes for Sale: market snapshot, updated daily
53
Homes Listed
89
Avg. Days on Site
$279
Avg. $ / Sq.Ft.
$472,721
Med. List Price
FHA assumable homes in Colorado: the numbers this week
54 FHA assumable homes are for sale in Colorado this week, $245K to $950K; the median FHA assumable homes is listed at $475K for 1,731 square feet, $275 a foot. 56 percent of the sampled listings have no HOA. The charts below are drawn from those listings, not from a report about them.
| FHA assumable homes in Colorado this week | Number |
|---|---|
| For sale | 54 |
| Price range | $245K to $950K |
| Median list price | $475K |
| Median price per square foot | $275 |
| Size range | 678 to 3,618 sq ft |
| Listings with an HOA | 24 of 54 sampled (median $250/mo) |
| Condos and townhomes | 12 of 54 sampled |
| Wider search | All Colorado homes for sale |
FHA assumable homes in Colorado by ZIP code
What the median FHA assumable homes in Colorado costs per month
FHA and VA assumable loans in Colorado: the numbers this week
Of the 418 Colorado listings whose remarks say the loan can be assumed, 156 name a VA loan and 64 an FHA loan; the rest do not say which. The assumable rate is the whole reason to look: on the median $519K assumable listing with 20 percent down, a 3 percent assumed loan costs $1,750 a month in principal and interest against $2,762 at 7 percent, $1,012 a month less for the life of the loan.
VA assumption
Anyone can assume a VA loan
The buyer does not need to be a veteran, but the seller's VA entitlement stays tied to the loan unless a veteran buyer substitutes theirs. VA charges a 0.5 percent funding fee on assumption. Colorado VA assumable homes for sale.
FHA assumption
Owner-occupant, full credit review
FHA loans written after 1989 assume with a full qualification by the servicer; investors are out on most. The FHA mortgage insurance stays with the loan. Colorado FHA assumable homes for sale and Denver FHA loan assumption homes.
The equity gap
Cash or a second loan
You take over the balance; the difference between the price and that balance is paid in cash or with a second mortgage. On a home bought in 2021 with a 3 percent loan the gap is most of the appreciation since.
The clock
45 to 120 days at the servicer
Assumptions close on the servicer's timeline, not the contract's. Write the contract with that in mind and keep a conventional pre-approval as the backup. The Colorado assumable mortgage guide walks the steps.
| City | Assumable listings | VA eligible homes for sale |
|---|---|---|
| Colorado Springs | 100 | Colorado Springs VA eligible homes for sale |
| Denver | 37 | Denver VA eligible homes for sale |
| Aurora | 33 | Aurora VA eligible homes for sale |
| Peyton | 19 | Peyton VA eligible homes for sale |
| Commerce City | 17 | Commerce City VA eligible homes for sale |
| Littleton | 16 | Littleton VA eligible homes for sale |
| Castle Rock | 14 | Castle Rock VA eligible homes for sale |
| Parker | 13 | Parker VA eligible homes for sale |
| Thornton | 12 | Thornton VA eligible homes for sale |
| Fountain | 11 | Fountain VA eligible homes for sale |
| Brighton | 8 | Brighton VA eligible homes for sale |
| Johnstown | 8 | Johnstown VA eligible homes for sale |
| Monument | 8 | Monument VA eligible homes for sale |
| Arvada | 7 | Arvada VA eligible homes for sale |
| Pueblo | 6 | Pueblo VA eligible homes for sale |
Questions people ask about FHA assumable homes in Colorado
How many FHA assumable homes are for sale in Colorado right now?
54 this week, $245K to $950K, median $475K. The grid at the top of this page is the live MLS list and refreshes daily. More: Financing a Colorado home.
What does the median FHA assumable homes in Colorado cost per month?
About $3,550 a month on the median $475K FHA assumable homes with 5 percent down at a 7 percent note rate: $3,001 principal and interest, $218 property tax, $138 insurance, $188 mortgage insurance. A seller-paid 2-1 buydown cuts year one by $580. More: Financing a Colorado home.
What should I check before making an offer on FHA assumable homes in Colorado?
The price per square foot against the other listings on this page ($275 is the median), the days on market, the HOA or metro district if there is one, the sewer line and roof age on older homes, and whether the seller pays a closing-cost credit or a rate buydown. More: Financing a Colorado home.
Do FHA assumable homes in Colorado have HOA fees?
Some do: 24 of 54 sampled carry a fee (median $250 a month); 30 do not. More: Financing a Colorado home.
How big are the FHA assumable homes in Colorado?
678 to 3,618 square feet across this week's sample, 3 beds most common. Price per square foot runs $275 at the median. More: Financing a Colorado home.
Which ZIP code has the most FHA assumable homes in Colorado?
80018 with 4 in this week's sample, then 80634 with 3. More: Financing a Colorado home.
New listings the day they hit
Text COLORADO and what you are looking for to 303-955-4220. A live person answers, sets up the saved search and sends the disclosures on any FHA assumable homes you want to see.
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