2.77% FHA
$290,000
$1,345/mo
6651 Grove Street
Denver, CO
3 bd2 ba1,363 sqft
Edgewater, Colorado
Keep the rate.
Buy the home in Edgewater.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Edgewater.
Avg. assumable rate
2.91%
vs 7.2% market
$758/mo saved
Average locked rate
2.91%
Across 6 assumable listings
Typical monthly savings
$758
On a $361,667 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 Edgewater
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
3.07% FHA
$225,000
$1,019/mo
1196 Grant Street
Denver, CO
1 bd1 ba622 sqft
3.10% FHA
$279,999
$1,300/mo
2143 Coronado Parkway
Denver, CO
2 bd2 ba985 sqft
2.74% VA
$340,000
$1,439/mo
925 Lincoln Street
Denver, CO
1 bd1 ba807 sqft
Nearby markets
More assumable homes in Colorado
- Aurora390
- Denver361
- Colorado Springs329
- Commerce City112
- Castle Rock101
- Littleton98
- Greeley95
- Brighton81
- Parker80
- Thornton65
- Longmont59
- Arvada58
- Fort Collins50
- Johnstown44
- Pueblo42
- Lakewood41
- Peyton40
- Westminster38
- Broomfield36
- Monument35
- Loveland30
- Elizabeth26
- Fort Lupton25
- Fountain25
Run your numbers
The cost of waiting in Edgewater.
A 7.2% new loan against an assumable one at 2.91%, same balance, 30 years.
You keep every month
$755/mo
Over a year$9,055
Monthly payment, side by side
7.2% vs 2.91%
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 Edgewater
Numbers below come from current Edgewater inventory and update as listings change.
- Are there assumable homes for sale in Edgewater?
- As of September 2026, there are no verified assumable listings in Edgewater. New assumable homes appear every week across Colorado; save a search on the map and we will email you when one lands in Edgewater.
- What types of loans can be assumed in Edgewater?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Colorado. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Edgewater?
- 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 Edgewater.
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.
