FHA
Active
32$400,000$54,450 down
- Rate
- 2.75%
7.40%today- Payment
- $1,572/mo
$2,667today
- 2beds
- 3baths
- 1,245sqft
Golden, Colorado
Assumable homes for salein Golden, Colorado.
9 homes in Golden carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.85%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Golden assumable market
by the numbers.
9active assumable listings
2.85%lowest locked rate
$750kmedian list price
$887saved per month vs. 7.2%
About the market
Assumable mortgagesin Golden, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Golden. Updated October 2026.
How assumptions work for buyersGolden, Colorado has 9 homes for sale with an assumable mortgage as of October 2026: 5 FHA loans and 4 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Golden assumable listings start at 2.85% with a median of 3.66%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Golden lists for $750,000, with a median of $527,087 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $3,069 a month versus $3,955 for the same balance at today's rate, roughly $887 kept every month and $10,638 a year. The most active Golden ZIP codes are 80401 (5) and 80403 (4).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Golden assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Golden
View all 9 on the map Homes on the marketin Golden.
FHA
Active
37$565,000$147,456 down
- Rate
- 2.875%
7.40%today- Payment
- $1,957/mo
$3,267today
- 4beds
- 4baths
- 2,274sqft
12304 51st Avenue, Wheat Ridge
FHATop pick
Active
41$510,000$31,886 down
- Rate
- 2.90%
7.40%today- Payment
- $2,227/mo
$3,705today
- 3beds
- 3baths
- 1,798sqft
15296 66th Drive, Arvada
FHATop pick
Active
46$349,500$20,764 down
- Rate
- 3.07%
7.40%today- Payment
- $1,554/mo
$2,529today
- 3beds
- 2baths
- 1,486sqft
6712 Holland Way, Littleton
VATop pick
Active
39$230,000$23,811 down
- Rate
- 2.77%
7.40%today- Payment
- $971/mo
$1,643today
- 2beds
- 1baths
- 944sqft
3355 Flower Street #90, Lakewood
FHA
Active
50$308,000$60,683 down
- Rate
- 2.84%
7.40%today- Payment
- $1,174/mo
$1,968today
- 3beds
- 2baths
- 1,128sqft
2557 Dover Street #28, Lakewood
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Golden.
Live counts from the MLS feeds we index for Colorado. Updated October 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.85%
- Median rate
- 3.66%
- Median list price
- $750,000
- Median cash to assume
- $527,087
Golden listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up2 homes
Golden listings by loan type
- FHA5 homesmedian 5.11%
- VA4 homesmedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Golden ZIP code.
Each ZIP opens the Golden map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Golden numbers
What an assumable ratedoes to a Golden payment.
The sliders start at the median Golden assumable listing: $750,000 list price and a 3.66% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$525,000
70% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Golden
$1,118/mo
New loan at 7.20%$1,527
Assumed at 3.65%
$1,118
Every month$410
Over five years$24,575
Interest you never pay$201,10026-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Golden listing on UMe shows the actual balance, rate, and payment.
How it works in Golden
How to assumea mortgage in Golden.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Golden home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Golden map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $527,087 in Golden today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Golden payment written in a different decade.
Golden questions
Assuming a mortgagein Golden.
The numbers below come from current Golden inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Golden?
As of October 2026, UMe tracks 9 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 FHA (5, median 5.11%) and VA (4, median 3.10%). 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?
The lowest rate on an active Golden assumable listing is 2.85%, and the median across all 9 listings is 3.66%. 6 listings are under 4% and 6 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 $3,069 per month versus $3,955 for the same balance at today's rates, a difference of about $887 every month, or $10,638 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 $527,087 on a median list price of $750,000. 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 (5) and 80403 (4). 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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Golden.The rate is already on the house.
Every listing on the Golden map has a rate you can take over. Start with the ones in Golden, get pre-qualified in minutes, and let UMe carry the assumption to closing.
