Boulder
Assumable Mortgages
9 active listings in Boulder with assumable mortgages. Rates starting at 2.38%. Save an average of $862/month vs today's 6.9% rate.
Boulder Is Expensive. Assumable Mortgages Are the Math That Works
Boulder has some of the highest home prices in Colorado, with median values routinely exceeding $800,000. CU Boulder, the tech and startup ecosystem, and strong outdoor culture drive relentless demand. At 6.9%, buying a $750,000 home requires a payment that most high earners still find uncomfortable.
Assumable mortgages flip that equation. Boulder's 2020–2022 FHA and VA purchase volume. When buyers locked in at 2.75–3.5%, creating a pool of below-market-rate loans attached to homes that have appreciated significantly since. The rate spread is enormous, and so are the monthly savings.
On a $500,000 remaining loan balance, 3.25% means $2,176/month. At 6.9%, that same balance costs $3,260/month. You're saving $1,084 every month, $13,008 per year. In Boulder, that's not a rounding error. That's a real lifestyle difference.
Top Boulder Deals
See all 9 →Learn About Assumable Mortgages in Boulder
Talk to an Assumable Mortgage Expert in Boulder
Fill out the form below and one of our agents will reach out to walk you through your options.