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Colorado VA Assumable Homes For Sale

Colorado VA Assumable Homes for Sale

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Colorado VA Assumable Homes for Sale: market snapshot, updated daily

128
Homes Listed
79
Avg. Days on Site
$260
Avg. $ / Sq.Ft.
$609,444
Med. List Price

VA assumable homes in Colorado: the numbers this week

124 VA assumable homes are for sale in Colorado this week, $240K to $1.25M; the median VA assumable homes is listed at $579K for 2,286 square feet, $247 a foot. 65 percent of the sampled listings have no HOA. The charts below are drawn from those listings, not from a report about them.

VA assumable homes in Colorado this weekNumber
For sale124
Price range$240K to $1.25M
Median list price$579K
Median price per square foot$247
Size range694 to 6,641 sq ft
Listings with an HOA43 of 124 sampled (median $92/mo)
Condos and townhomes8 of 124 sampled
Wider searchAll Colorado homes for sale
VA assumable homes in Colorado by price19Under $400K27$400K to $525K25$525K to $600K21$600K to $700K19$700K to $875K13Over $875K
71 of the 124 sampled sit in the lower half of the range.
VA assumable homes in Colorado by bedrooms2Studio or 1 bed122 beds403 beds434 beds275+ beds
4 beds is the most common listing this week.
HOA on VA assumable homes in ColoradoWith a monthly HOA43No HOA81

VA assumable homes in Colorado by ZIP code

VA assumable homes by ZIP code808319809258800227809246800184801044805044805504

What the median VA assumable homes in Colorado costs per month

Median Colorado VA assumable homes home, $579K, 5% down, 7% note rate: about $4,320 a monthPrincipal and interest$3,659Property tax (about 0.55%)$265Homeowners insurance$169Mortgage insurance (5% down)$229A seller-paid 2-1 buydown takes year one to 5%: $2,953 principal and interest, $706 a month less.
Taxes, insurance and mortgage insurance add about $663 a month to the note on the median Colorado VA assumable homes home. Can I afford a home now? runs your own numbers.

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.

Assumable listings by loan typeVA assumable156FHA assumable64Loan type not stated198
Assumable listings by city (top 15)Colorado Springs100Denver37Aurora33Peyton19Commerce City17Littleton16Castle Rock14Parker13Thornton12Fountain11
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.

CityAssumable listingsVA eligible homes for sale
Colorado Springs100Colorado Springs VA eligible homes for sale
Denver37Denver VA eligible homes for sale
Aurora33Aurora VA eligible homes for sale
Peyton19Peyton VA eligible homes for sale
Commerce City17Commerce City VA eligible homes for sale
Littleton16Littleton VA eligible homes for sale
Castle Rock14Castle Rock VA eligible homes for sale
Parker13Parker VA eligible homes for sale
Thornton12Thornton VA eligible homes for sale
Fountain11Fountain VA eligible homes for sale
Brighton8Brighton VA eligible homes for sale
Johnstown8Johnstown VA eligible homes for sale
Monument8Monument VA eligible homes for sale
Arvada7Arvada VA eligible homes for sale
Pueblo6Pueblo VA eligible homes for sale

Questions people ask about VA assumable homes in Colorado

How many VA assumable homes are for sale in Colorado right now?

124 this week, $240K to $1.25M, median $579K. The grid at the top of this page is the live MLS list and refreshes daily.

What does the median VA assumable homes in Colorado cost per month?

About $4,320 a month on the median $579K VA assumable homes with 5 percent down at a 7 percent note rate: $3,659 principal and interest, $265 property tax, $169 insurance, $229 mortgage insurance. A seller-paid 2-1 buydown cuts year one by $706. More: Can I afford a home now?.

How big are the VA assumable homes in Colorado?

694 to 6,641 square feet across this week's sample, 4 beds most common. Price per square foot runs $247 at the median.

Can I buy VA assumable home in Colorado with a low down payment?

Yes. Colorado down-payment assistance works at a 620 credit score, FHA takes 3.5 percent down, VA zero where the buyer qualifies, and a seller credit covers closing costs. On the median $579K VA assumable homes that is $20,265 down at 3.5 percent. More: Can I afford a home now?.

What is the median price of VA assumable homes in Colorado?

$579K at list this week, for a median 2,286 square feet, $247 a square foot. Compare two on the per-foot number and the condition before the list price. More: Can I afford a home now?.

Do VA assumable homes in Colorado have HOA fees?

Some do: 43 of 124 sampled carry a fee (median $92 a month); 81 do not. More: HOA fees in Colorado, explained.

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 VA assumable homes you want to see.

Call or text 303-955-4220 Search all Colorado homes

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