Get the list of assumable homes for sale
Tell us your area and budget. We send you the Denver-metro homes for sale that have an assumable FHA or VA loan, with the estimated rate, monthly payment and cash you'd need. Updated as new ones list.
- Homes most buyers never see as "assumable"
- Rate, payment and equity gap for each home
- Free, no obligation. English or Polish.
Why most buyers miss these homes
Listing sites rarely show whether a loan is assumable, and many listing agents don't mention it. The loan type and an estimated rate come from public records, so you have to know where to look. That's the part we do for you, then we confirm the details with the listing agent and the servicer before you write an offer.
What you'll need
Cash for the seller's equity and closing costs, credit and income the servicer will approve, and patience for a 45–90 day closing. If the equity gap is large, a second mortgage can cover part of it; we'll show you the options for each home.
Questions people ask
Are there really assumable homes in Denver?
Yes. Many Denver-area homes bought or refinanced in 2020-2022 have FHA or VA loans at 2-3.5%. Some are for sale right now; we check the loan on each listing before sending it.
Can I use my own lender for the rest?
The assumed loan stays with the seller's servicer. For the equity gap you can use cash or, in some cases, a second mortgage from another lender if the servicer allows it.
Is the rate guaranteed?
The rate and remaining term of the existing loan stay the same. We confirm the actual rate and balance with the seller and servicer before you commit.