Westminster
Assumable Mortgages

Westminster sits directly on the US-36 Tech Corridor between Denver and Boulder, one of Colorado's highest-concentration areas for tech employment, government contractors, and knowledge workers. Home values reflect that demand, with median prices in the $500,000–$650,000 range. Affordability at 6.9% rates is a real problem here.

Westminster's tech-worker demographic means strong FHA purchase volume from 2020–2021, high earners who used FHA to move quickly in a competitive market and lock in rates. Those loans are now assumable, sitting on homes that have appreciated 20–35% since origination.

A $440,000 remaining FHA balance at 3.0% is $1,855/month. At 6.9%, it's $2,929/month. The $1,074/month difference on a Westminster home is almost $13,000 per year. In a city where professional incomes are high and wealth-building is priority one, that math compounds fast.