Loveland
Assumable Mortgages

Loveland offers some of the best quality of life in Northern Colorado — Rocky Mountain access, a thriving arts scene, strong job growth from the Greeley-Fort Collins corridor, and a real community feel. Home prices have climbed into the $450,000–$580,000 range, and at 6.14%, the monthly math is challenging for most buyers.

The Loveland and Larimer County market saw meaningful FHA and VA purchase volume in 2020–2021. Veterans buying in Northern Colorado during the boom frequently used VA loans, and those loans are now assumable. FHA buyers who locked in at 2.75–3.25% are also in the market, providing inventory for non-military buyers.

On a $380,000 remaining loan at 3.0%, principal and interest is $1,602/month. At 6.14%, the same balance costs $2,530/month. Save $928/month — $11,136/year — just by finding the right Loveland listing with an assumable rate.