3.10% FHA
Certified
$400,000
$1,645/mo
19629 93rd Drive
Arvada, CO
2 bd3 ba1,245 sqft
Golden, Colorado
Keep the rate.
Buy the home in Golden.
12 assumable homes for sale in Golden, with locked rates from 2.68%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.12%
vs 7.2% market
$1,349/mo saved
Median locked rate
3.12%
Across 12 assumable listings
Typical monthly savings
$1,349
On a $699,975 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Golden
Homes with a rate worth keeping
2.88% FHA
$525,000
$2,417/mo
10115 Arbor Place
Littleton, CO
3 bd2 ba1,652 sqft
2.90% FHA
$510,000
$2,227/mo
15296 66th Drive
Arvada, CO
3 bd3 ba1,798 sqft
2.77% VA
$240,000
$971/mo
3355 Flower Street
Lakewood, CO
2 bd1 ba944 sqft
2.87% FHA
$400,000
$1,608/mo
6883 Dover Way
Littleton, CO
2 bd2 ba974 sqft
2.96% FHA
$284,900
$1,091/mo
12360 Nevada Place
Lakewood, CO
2 bd2 ba920 sqft
Inventory snapshot
What’s assumable in Golden right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 12
- Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 3.12%
- Median list price
- $699,975
- Median cash to assume
- $342,435
Listings by locked rate
- Under 4%9 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up2 homes
Listings by loan type
- VA8 homesmedian 2.96%
- FHA4 homesmedian 5.80%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Golden ZIP code
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Littleton98
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
Run your numbers
The cost of waiting in Golden.
A 7.2% new loan against an assumable one at 3.12%, same balance, 30 years.
You keep every month
$1,404/mo
Over a year$16,846
Monthly payment, side by side
7.2% vs 3.12%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Golden
Numbers below come from current Golden inventory and update as listings change.
- How many assumable homes are for sale in Golden?
- As of September 2026, UMe tracks 12 active assumable listings in Golden. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Golden?
- Current Golden inventory breaks down as VA (8, median 2.96%) and FHA (4, median 5.80%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Golden right now?
- The lowest rate on an active Golden assumable listing is 2.68%, and the median across all 12 listings is 3.12%. 9 listings are under 4% and 9 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Golden?
- Across current Golden listings, the median principal-and-interest payment on the assumable loan is $1,986 per month versus $3,335 for the same balance at today's rates, a difference of about $1,349 every month, or $16,191 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Golden?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Golden that gap is currently a median of $342,435 on a median list price of $699,975. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Golden ZIP codes have the most assumable homes?
- The Golden ZIP codes with the most active assumable listings are 80401 (7) and 80403 (5). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Golden?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Golden.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
