2.60% VA
$529,900
$2,182/mo
5761 Piney River Place
Brighton, CO
3 bd3 ba2,208 sqft
Fort Lupton, Colorado
Keep the rate.
Buy the home in Fort Lupton.
25 assumable homes for sale in Fort Lupton, with locked rates from 3.07%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.36%
vs 7.2% market
$349/mo saved
Median locked rate
6.36%
Across 25 assumable listings
Typical monthly savings
$349
On a $452,000 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 Fort Lupton
Homes with a rate worth keeping
2.75% VA
$523,000
$2,242/mo
5505 117th Circle
Denver, CO
4 bd3 ba2,000 sqft
2.87% FHA
$390,000
$1,608/mo
12342 Newport Court
Brighton, CO
3 bd1 ba1,027 sqft
2.95% FHA
$520,000
$2,209/mo
512 Tumbleweed Drive
Brighton, CO
3 bd2 ba1,984 sqft
3.06% VA
$435,000
$1,883/mo
5105 Buckwheat Road
Brighton, CO
3 bd3 ba1,860 sqft
3.10% FHA
$499,000
$2,164/mo
295 Chipeta Way
Brighton, CO
4 bd3 ba2,560 sqft
Inventory snapshot
What’s assumable in Fort Lupton right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 25
- Certified / verified
- 0
- Lowest rate
- 3.07%
- Median rate
- 6.36%
- Median list price
- $452,000
- Median cash to assume
- $77,709
Listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%7 homes
- 6% and up15 homes
Listings by loan type
- FHA23 homesmedian 6.36%
- VA2 homesmedian 5.21%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Fort Lupton ZIP code
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
- Fountain25
- Agate
Run your numbers
The cost of waiting in Fort Lupton.
A 7.2% new loan against an assumable one at 6.36%, same balance, 30 years.
You keep every month
$201/mo
Over a year$2,415
Monthly payment, side by side
7.2% vs 6.36%
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 Fort Lupton
Numbers below come from current Fort Lupton inventory and update as listings change.
- How many assumable homes are for sale in Fort Lupton?
- As of September 2026, UMe tracks 25 active assumable listings in Fort Lupton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Fort Lupton?
- Current Fort Lupton inventory breaks down as FHA (23, median 6.36%) and VA (2, median 5.21%). 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 Fort Lupton right now?
- The lowest rate on an active Fort Lupton assumable listing is 3.07%, and the median across all 25 listings is 6.36%. 2 listings are under 4% and 3 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 Fort Lupton?
- Across current Fort Lupton listings, the median principal-and-interest payment on the assumable loan is $2,244 per month versus $2,593 for the same balance at today's rates, a difference of about $349 every month, or $4,194 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 Fort Lupton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fort Lupton that gap is currently a median of $77,709 on a median list price of $452,000. 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 Fort Lupton ZIP codes have the most assumable homes?
- The Fort Lupton ZIP codes with the most active assumable listings are 80621 (25). 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 Fort Lupton?
- 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 Fort Lupton.
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.
