FHA
Active
47$210,000$39,568 down
- Rate
- 3.82%
7.28%today- Payment
- $931/mo
$1,364today
- 2beds
- 1baths
- 1,062sqft
Aurora, Colorado
Assumable homes for salein Aurora, Colorado.
351 homes in Aurora carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.38%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Aurora assumable market
by the numbers.
351active assumable listings
2.38%lowest locked rate
$430kmedian list price
$744saved per month vs. 7.2%
About the market
Assumable mortgagesin Aurora, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Aurora. Updated October 2026.
How assumptions work for buyersAurora, Colorado has 351 homes for sale with an assumable mortgage as of October 2026: 216 FHA loans and 135 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 Aurora assumable listings start at 2.38% with a median of 4.65%; 146 listings are under 4% and 180 are under 5%.
The median assumable home in Aurora lists for $430,000, with a median of $117,951 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 $1,747 a month versus $2,491 for the same balance at today's rate, roughly $744 kept every month and $8,923 a year. The most active Aurora ZIP codes are 80018 (52), 80013 (48), 80017 (43), 80011 (39), and 80012 (39).
1 listing in Aurora is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Aurora assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Aurora
View all 351 on the map Homes on the marketin Aurora.
VATop pick
Active
50$650,000$24,022 down
- Rate
- 2.88%
7.28%today- Payment
- $2,923/mo
$4,817today
- 4beds
- 5baths
- 3,664sqft
21420 61st Drive, Aurora
FHATop pick
Active
25$249,900Potential short sale
- Rate
- 2.96%
7.28%today- Payment
- $1,240/mo
$2,022today
- 2beds
- 3baths
- 1,240sqft
1295 Zeno Circle #C, Aurora
VATop pick
Active
30$475,000Potential short sale
- Rate
- 3.05%
7.28%today- Payment
- $2,243/mo
$3,617today
- 2beds
- 3baths
- 1,682sqft
17965 107th Place, Commerce City
VATop pick
Active
21$290,000$4,045 down
- Rate
- 3.07%
7.28%today- Payment
- $1,355/mo
$2,179today
- 2beds
- 2baths
- 824sqft
1881 Dunkirk Street #106, Aurora
FHATop pick
Active
16$279,999$5,916 down
- Rate
- 3.10%
7.28%today- Payment
- $1,300/mo
$2,083today
- 2beds
- 2baths
- 985sqft
2143 Coronado Parkway #C, Denver
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 Aurora.
Live counts from the MLS feeds we index for Colorado. Updated October 2026.
- Active listings
- 351
- UMe Certified / verified
- 1
- Lowest rate
- 2.38%
- Median rate
- 4.65%
- Median list price
- $430,000
- Median cash to assume
- $117,951
Aurora listings by locked rate
- Under 4%146 homes
- 4% – 5%34 homes
- 5% – 6%34 homes
- 6% and up132 homes
Aurora listings by loan type
- FHA216 homesmedian 4.87%
- VA135 homesmedian 4.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Aurora ZIP code.
Each ZIP opens the Aurora map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 80018
52 assumable homes
median 6.08% · $520,000
- 80013
48 assumable homes
median 3.66% · $452,500
- 80017
43 assumable homes
median 3.89% · $314,000
- 80011
39 assumable homes
median 4.04% · $375,000
- 80012
39 assumable homes
median 5.00% · $305,000
- 80014
29 assumable homes
median 3.81% · $357,999
- 80015
29 assumable homes
median 6.26% · $449,900
- 80010
26 assumable homes
median 4.32% · $422,200
Run the Aurora numbers
What an assumable ratedoes to an Aurora payment.
The sliders start at the median Aurora assumable listing: $430,000 list price and a 4.65% 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)$120,000
28% 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 Aurora
$1,714/mo
New loan at 7.20%$2,104
Assumed at 4.65%
$1,714
Every month$390
Over five years$23,409
Interest you never pay$222,72926-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 Aurora listing on UMe shows the actual balance, rate, and payment.
How it works in Aurora
How to assumea mortgage in Aurora.
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 an Aurora home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Aurora 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 $117,951 in Aurora 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 an Aurora payment written in a different decade.
Aurora questions
Assuming a mortgagein Aurora.
The numbers below come from current Aurora inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Aurora?
As of October 2026, UMe tracks 351 active assumable listings in Aurora. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Aurora?
Current Aurora inventory breaks down as FHA (216, median 4.87%) and VA (135, median 4.26%). 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 Aurora?
The lowest rate on an active Aurora assumable listing is 2.38%, and the median across all 351 listings is 4.65%. 146 listings are under 4% and 180 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 Aurora?
Across current Aurora listings, the median principal-and-interest payment on the assumable loan is $1,747 per month versus $2,491 for the same balance at today's rates, a difference of about $744 every month, or $8,923 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 Aurora?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Aurora that gap is currently a median of $117,951 on a median list price of $430,000. 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 Aurora ZIP codes have the most assumable homes?
The Aurora ZIP codes with the most active assumable listings are 80018 (52), 80013 (48), 80017 (43), 80011 (39), and 80012 (39). 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 Aurora?
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 Aurora.The rate is already on the house.
Every listing on the Aurora map has a rate you can take over. Start with the ones in Aurora, get pre-qualified in minutes, and let UMe carry the assumption to closing.
