2.88% FHA
$525,000
$2,417/mo
10115 Arbor Place
Littleton, CO
3 bd2 ba1,652 sqft
Littleton, Colorado
Keep the rate.
Buy the home in Littleton.
98 assumable homes for sale in Littleton, with locked rates from 2.48%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.98%
vs 7.2% market
$964/mo saved
Median locked rate
3.98%
Across 98 assumable listings
Typical monthly savings
$964
On a $522,450 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Littleton
Homes with a rate worth keeping
3.07% FHA
$225,000
$1,019/mo
1196 Grant Street
Denver, CO
1 bd1 ba622 sqft
3.07% FHA
$273,000
$1,295/mo
1250 Monaco Street Parkway
Denver, CO
2 bd2 ba944 sqft
2.74% VA
$340,000
$1,439/mo
925 Lincoln Street
Denver, CO
1 bd1 ba807 sqft
2.87% VA
$239,900
$1,050/mo
1111 Ash Street
Denver, CO
2 bd1 ba969 sqft
2.88% VA
$520,000
$2,175/mo
1860 Arkansas Avenue
Denver, CO
3 bd2 ba1,409 sqft
Inventory snapshot
What’s assumable in Littleton right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 98
- Certified / verified
- 0
- Lowest rate
- 2.48%
- Median rate
- 3.98%
- Median list price
- $522,450
- Median cash to assume
- $153,378
Listings by locked rate
- Under 4%47 homes
- 4% – 5%11 homes
- 5% – 6%6 homes
- 6% and up30 homes
Listings by loan type
- FHA61 homesmedian 4.12%
- VA37 homesmedian 3.45%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Littleton ZIP code
- 80123
29 assumable homes · median 4.16%
median $469,000
- 80125
19 assumable homes · median 6.12%
median $622,000
- 80128
16 assumable homes · median 3.34%
median $396,750
- 80127
15 assumable homes · median 4.73%
median $525,000
- 80122
5 assumable homes · median 3.23%
median $499,999
- 80120
4 assumable homes · median 2.79%
median $557,500
- 80129
4 assumable homes · median 3.31%
median $652,000
- 80121
3 assumable homes · median 3.08%
median $574,899
Nearby markets
More assumable homes in Colorado
- Colorado Springs1,261
- Aurora405
- Denver364
- Peyton156
- Pueblo144
- Fountain115
- Commerce City112
- Castle Rock107
- Greeley95
- Brighton84
- Monument80
- Parker80
- Thornton65
- Longmont62
- Arvada58
- Fort Collins50
- Johnstown44
- Lakewood41
- Westminster38
- Broomfield36
- Florissant34
- Pueblo West31
- Loveland30
- Agate
Run your numbers
The cost of waiting in Littleton.
A 7.2% new loan against an assumable one at 3.98%, same balance, 30 years.
You keep every month
$843/mo
Over a year$10,110
Monthly payment, side by side
7.2% vs 3.98%
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 Littleton
Numbers below come from current Littleton inventory and update as listings change.
- How many assumable homes are for sale in Littleton?
- As of September 2026, UMe tracks 98 active assumable listings in Littleton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Littleton?
- Current Littleton inventory breaks down as FHA (61, median 4.12%) and VA (37, median 3.45%). 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 Littleton right now?
- The lowest rate on an active Littleton assumable listing is 2.48%, and the median across all 98 listings is 3.98%. 47 listings are under 4% and 58 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 Littleton?
- Across current Littleton listings, the median principal-and-interest payment on the assumable loan is $1,937 per month versus $2,901 for the same balance at today's rates, a difference of about $964 every month, or $11,568 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 Littleton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Littleton that gap is currently a median of $153,378 on a median list price of $522,450. 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 Littleton ZIP codes have the most assumable homes?
- The Littleton ZIP codes with the most active assumable listings are 80123 (29), 80125 (19), 80128 (16), 80127 (15), and 80122 (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 Littleton?
- 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 Littleton.
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.
