Find Homes For Sale With an Assumable Mortgage

And save thousands on your mortgage payment

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Find Homes For Sale With Assumable Loans

What is An Assumable Mortgage?

An assumable mortgage allows the buyer to purchase a home by taking over the seller’s loan. VA, FHA, and USDA mortgages are assumable, and anyone can assume these loans. For VA assumptions, the buyer is not required to have VA eligibility.

Lower Monthly Payment

Interest rates on assumable loans are often 2-4% lower than new loans, potentially saving you 20-40% on your monthly payment. ​

Reduced Closing Costs

Since you’re not originating a new loan, assumable loans have fewer closing costs and lender fees.

Shorter Loan Payoff

Assumable loans have less than 30 years remaining before they’re paid off — so you’ll pay thousands less in interest over the life of the loan.

Government-backed home loans, including VA, FHA, and USDA can be assumed by any homebuyer.


Looking For Your Dream Home

AssumeList™ is the first of its kind real estate tool that allows prospective homebuyers, the ability to find homes for sale with an assumable mortgage. Search for homes with assumable mortgages today!


Find Homes For Your Clients

Support specific client needs who seek to purchase a home with a below-market interest rate. AssumeList™ creates powerful marketing opportunities for agents by supercharging their ability to leverage the market shift.

What We Offer

AssumeList™ is a unique real estate tool that allows prospective homebuyers, investors, and agents the ability to find homes for sale with an assumable mortgage. AssumeList™ enables users to search for homes with VA, FHA, and USDA assumable mortgages regardless whether they are actively listed or off-market. 100% of AssumeList™ homes contain an interest rate below 5%; the vast majority have rates of 3% and lower.

We empower you with the tools to find your perfect home, and white-glove service to help you buy it. AssumeList™ maintains the largest network of experienced agents to help you find a purchase a home with an assumable mortgage, at no additional cost.

How Much Can You Save?

Assumption loans have been largely irrelevant for the past 10 years due to extremely low prevailing mortgage rates. Assumption loan demand has grown substantially in recent months due to inflation-induced rate hikes. In high-cost markets, housing affordability is heavily impacted by interest rates.

Example Scenario: $800K Home Purchase

New VA Loan

Down Payment :5%
Interest Rate :7.50%
VA Funding Fee :$12,540
P&I Payment :$5,314

Assumable Loan

Down Payment :5%
Interest Rate :2.50%
VA Assumption Fee :$3,800
P&I Payment :$3,002

Save 40% or more!

Search For Properties

And save thousands on your mortgage payment

Homes For Sale

7-Day Money-Back Guarantee

If you purchase one of our subscriptions and AssumeList™ isn’t what you expect, let us know within 7 days and we’ll give you a full refund. No ifs, no buts, no hassle! We only ask for your feedback on how we can make AssumeList™ better.

Learn More About Assumable Loans

AssumeList: Quarters on Table with cube above with percentage

FHA and VA Fee Update: Increased Allowances for Assumable Mortgages

The Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) have recently updated their policies regarding fees associated with assumable mortgage transactions. These changes are designed to better align the allowable fees with the current market conditions and to facilitate more efficient…

VA Website Hero

VA Assumable Loan Entitlement Update: New Form and Guidelines

The Department of Veterans Affairs (VA) has recently released two important circulars that introduce significant changes to the VA assumable loan process. These updates focus on ensuring that all parties involved in an assumption transaction have a clear understanding of how the assumption may…

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Need help with how to use AssumeList™ or have a general question? Drop us a line and we’ll respond back to you in double time fashion.