Highlands Ranch
Assumable Mortgages

Highlands Ranch is a master-planned community in Douglas County with some of Colorado's top-rated schools, world-class rec centers, and a highly desirable suburban lifestyle. Home prices range from $550,000 to $800,000 and higher. At 6.14%, those prices create payments that even dual-income households struggle to manage.

Here's why Highlands Ranch is particularly rich in assumable inventory: the community has a large military presence from Peterson Space Force Base and Schriever Space Force Base commuters. VA loan origination volume during 2020–2022 was significant, and as those servicemembers rotate, VA-backed homes in Highlands Ranch come to market. Non-veterans can assume VA loans — you just need to qualify on income and credit.

On a $500,000 remaining VA loan at 3.25%, principal and interest is $2,176/month. At6.14%, it's $3,260/month. That's exactly $1,084/month in savings — $13,008 per year. Highlands Ranch is worth buying in. Assumable mortgages make the payment realistic.