🏠The Assumable Guy
📍 Fort Collins, CO

Fort Collins
Assumable Mortgages

22 active listings in Fort Collins with assumable mortgages. Rates starting at 2.73%. Save an average of $897/month vs today's 6.14% rate.

22
Active Listings
2.73%
Lowest Rate
$897
Avg Monthly Savings

Why Fort Collins Buyers Love Assumable Mortgages

Fort Collins has been one of Colorado's hottest real estate markets, with median home prices pushing $450,000+. For buyers trying to afford a home in 2024, assumable mortgages offer a powerful alternative to today's high interest rates.

With 22 active assumable listings in the Fort Collins metro area, including Fountain, Monument, Falcon, and surrounding communities. There's no shortage of opportunity. Many of these are military families (Fort Carson and Peterson AFB are nearby) with VA loans that can be assumed by non-veterans.

The math is compelling: on a $400,000 remaining loan balance, assuming a 2.73% rate vs getting a new 6.14% loan saves you over $897 every single month. That's real money that stays in your pocket.

Top Fort Collins Deals

See all 22 →
6402 Foothills View
3.85%
VA
$1,575,000
6402 Foothills View
Fort Collins, CO 80528
🛏 6 bed🚿 6 bath📐 6,741 sqft
Monthly savings vs 6.5%$5,788/mo
Total savings (30yr)$2,083,680
$3,669/mo vs $9,457/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $695K · Cash to close: $880K
562 Vicot
2.74%
FHA
$624,900
562 Vicot
Fort Collins, CO 80524
🛏 4 bed🚿 3 bath📐 2,380 sqft
Monthly savings vs 6.5%$1,825/mo
Total savings (30yr)$657,000
$1,927/mo vs $3,752/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $419K · Cash to close: $206K
908 Rollins Den
3.45%
VA
$570,000
908 Rollins Den
Fort Collins, CO 80524
🛏 4 bed🚿 2 bath📐 1,935 sqft
Monthly savings vs 6.5%$1,071/mo
Total savings (30yr)$385,560
$2,352/mo vs $3,423/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $485K · Cash to close: $85K
4327 Fox Grove
3.08%
VA
$549,000
4327 Fox Grove
Fort Collins, CO 80524
🛏 4 bed🚿 3 bath📐 2,272 sqft
Monthly savings vs 6.5%$1,269/mo
Total savings (30yr)$456,840
$2,028/mo vs $3,297/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $428K · Cash to close: $122K
413 Skyway
2.81%
FHA
$468,000
413 Skyway
Fort Collins, CO 80525
🛏 3 bed🚿 3 bath📐 1,644 sqft
Monthly savings vs 6.5%$1,246/mo
Total savings (30yr)$448,560
$1,564/mo vs $2,810/mo (5% down)
Gap financing available. Ask us.
Remaining loan: $337K · Cash to close: $131K
3051 Sage Creek
3.45%
FHA
$420,000
3051 Sage Creek
Fort Collins, CO 80528
🛏 3 bed🚿 4 bath📐 1,791 sqft
Monthly savings vs 6.5%$704/mo
Total savings (30yr)$253,440
$1,818/mo vs $2,522/mo (5% down)
Remaining loan: $375K · Cash to close: $44K
View All 22 Fort Collins Listings →

Learn About Assumable Mortgages in Fort Collins

2026-04-01
Assumable Mortgage Fort Collins Colorado: How Northern Front Range Buyers Are Saving $1,000+/Month
2026-01-18
Assumable Mortgage Loveland Colorado: Northern Colorado's Best-Kept Affordability Secret
2026-03-05
VA Loan Assumption Process Colorado: Step-by-Step Guide for Veterans and Non-Veterans
2026-02-23
How to Get an Assumable Mortgage: Step-by-Step Guide (2026)
2026-02-05
Can You Assume a VA Loan Without Being a Veteran in Colorado? Yes, Here's How

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