Assumable Mortgages in Colorado

Assumable Homes in Colorado

Colorado's Front Range has been one of the most competitive housing markets in the country for the past decade, making the 72,000 assumable properties in our Colorado dataset especially valuable to buyers priced out of new originations at today's rates.

With a median note rate of 3.8% across 926 census tracts, Colorado assumable homes represent a significant opportunity — particularly in the Denver metro, Colorado Springs, Fort Collins, and Pueblo. The median age of 5.9 years means a large share of these obligations were originated between 2019 and 2022, capturing some of the lowest rate environments in modern history.

Colorado Springs deserves special mention: as home to Fort Carson, Peterson Space Force Base, Schriever SFB, and the Air Force Academy, it has one of the highest concentrations of VA assumable property of any mid-sized city in the nation. Buyers targeting that market will find our Colorado data list particularly dense with VA-backed assumable homes.

Denver's suburban corridors — Aurora, Lakewood, Thornton, and Westminster — also carry strong FHA assumable property inventory. Our census-tract-level data lets buyers and agents identify specific neighborhoods where assumable homes are concentrated, enabling a more surgical approach to finding off-market or pre-market opportunities before competing buyers discover them.