.svg)
See Assumable Mortgage Listings Nationwide
Search assumable homes for sale and save $1,187 a month on average. Every FHA, VA and USDA assumable listing in the U.S., in one place.
Making the American Dream More Affordable for Millions
Assumable shows which homes for sale have a low-rate FHA, VA or USDA loan you can take over, so you keep the seller's rate instead of borrowing at today's prices.
Homes for sale with an assumable FHA, VA or USDA loan, across all 50 states.
More than half of the listings let you take over a rate far below today's market.
What buyers save each month on average compared with a new mortgage at today's rates.
Assumable Mortgage Listings
Assumable simplifies the assumable mortgage process and lets you search anywhere for assumable homes with FHA and VA loans.
Assumable Mortgage Listings
Search active assumable mortgage listings near you, anywhere in the country.
See Your Savings
Assumable shows the estimated interest rate, P&I payment, down payment and interest savings, so you can see what an assumable mortgage could save you.
Access to Historically Low Rates
Assumable helps you find homes with historically low assumable mortgage rates.
Happy Buyers, Happy Sellers
Buyers keep a low rate and sellers reach more buyers. Everyone wins.
How to Find Assumable Mortgage Listings Near You
Find assumable mortgage home listings and get the information you care about: the existing interest rate, P&I payment, savings and more with the Assumable app.
Find homes with qualifying mortgages
Search active FHA, VA and USDA assumable listings near you and check whether a home's mortgage can be assumed.
Discover potential monthly and total savings
See the existing interest rate, P&I payment and estimated savings on every listing, with rates as low as 2%.
Empower your financial future
Save thousands a month and hundreds of thousands in interest. When you're ready, our team helps you with the assumption.
How Does Assumable Work?
Assumable is a platform that helps you find and buy homes for sale with an assumable mortgage. Assumable uses rich data from leading sources in the United States to verify whether a home has an FHA or VA assumable loan, its estimated interest rate, and other important details.
How to Find Assumable Mortgage Homes For Sale?
Assumable is the leading platform for finding assumable mortgages near you. Easily search active assumable mortgage listings and discover the existing interest rate, potential savings, and more.
Why Should I Consider an Assumable Mortgage?
The assumable mortgage presents the greatest money-saving opportunity most Americans have ever seen. You can save thousands a month and hundreds of thousands in interest over the life of your loan with an assumable mortgage. You should consider an assumable mortgage if you are a savvy buyer who wants to achieve your financial dreams.
How Does a Seller Benefit from an Assumable Mortgage?
Sellers who market their home with an assumable mortgage can bring more buyers to the table and potentially get a higher selling price. Assumable can help you get top dollar for your assumable home.
What Is an Assumable Mortgage?
Assumable loans are government-backed mortgages, typically FHA, VA, and USDA. Since 1986, all government-backed mortgages are assumable. This means you can assume the existing mortgage on a home and keep its existing terms and, most importantly, its existing interest rate.
How Do I Qualify for an Assumable Mortgage?
You must meet the requirements of the lender on the existing mortgage. This typically includes your credit score, income, and other standard factors. Assumable helps you through this process with the servicer to ensure a smooth assumption.
How Much Does an Assumable Mortgage Cost?
To complete your assumption, you must cover the equity in the home you want to buy. Assumable clearly lists this estimated cost on each listing. We are working with lenders to make assumable mortgages more affordable, so stay tuned for more details.
How Do I Know If My Home Is Assumable?
Generally, if you have an FHA, VA, or USDA loan, your home is assumable. If you are unsure, please contact us and we can help you.