Aurora, Colorado
Assumable homes for salein Aurora, Colorado.
356 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.
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 356 homes for sale with an assumable mortgage as of October 2026: 221 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 4.67%; 147 listings are under 4% and 181 are under 5%.
The median assumable home in Aurora lists for $430,000, with a median of $118,202 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 $1,745 a month versus $2,491 for the same balance at today's rate, roughly $746 kept every month and $8,951 a year. The most active Aurora ZIP codes are 80018 (53), 80013 (50), 80017 (43), 80012 (42), and 80011 (37).
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.
Homes on the marketin Aurora.
No verified listings in Aurora yet.
New assumable listings land every week across Colorado. Search the full map, or save an Aurora search and we’ll email you the moment one appears.
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.
What’s in the mixin Aurora.
Live counts from the MLS feeds we index for Colorado. Updated October 2026.
- Active listings
- 356
- UMe Certified / verified
- 1
- Lowest rate
- 2.38%
- Median rate
- 4.67%
- Median list price
- $430,000
- Median cash to assume
- $118,202
Aurora listings by locked rate
- Under 4%147 homes
- 4% – 5%34 homes
- 5% – 6%35 homes
- 6% and up135 homes
Aurora listings by loan type
- FHA221 homesmedian 4.92%
- VA135 homesmedian 4.28%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
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
53 assumable homes
median 6.13% · $515,000
- 80013
50 assumable homes
median 3.66% · $452,500
- 80017
43 assumable homes
median 3.89% · $314,000
- 80012
42 assumable homes
median 5.05% · $300,000
- 80011
37 assumable homes
median 4.04% · $375,000
- 80015
30 assumable homes
median 5.75% · $452,450
- 80014
28 assumable homes
median 3.82% · $354,000
- 80010
25 assumable homes
median 4.26% · $424,900
What an assumable ratedoes to an Aurora payment.
The sliders start at the median Aurora assumable listing: $430,000 list price and a 4.67% 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.
28% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
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 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 $118,202 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.
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 356 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 (221, median 4.92%) and VA (135, median 4.28%). 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 356 listings is 4.67%. 147 listings are under 4% and 181 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 $1,745 per month versus $2,491 for the same balance at today's rates, a difference of about $746 every month, or $8,951 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 $118,202 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 (53), 80013 (50), 80017 (43), 80012 (42), and 80011 (37). 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.
More assumable homesin Colorado.
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.
