Find Homes For Sale With Assumable Loans

And save thousands on your mortgage payment

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Find Homes For Sale With Assumable Loans

What is An Assumable Loan?

An assumable loan allows the buyer to purchase a home by taking over the seller’s mortgage. Both VA and FHA loans are assumable, and anyone can assume either a VA or FHA loan. 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, like VA and FHA, 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 assumable mortgages. Search for homes with VA or FHA assumable mortgages, regardless of their listing status.


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, agents, and brokers the ability to find homes for sale with assumable mortgages. Developed from the ground up, AssumeList™ enables users to search for homes with either VA or FHA assumable mortgages regardless whether they are actively listed or non-listed. 100% of AssumeList™ homes contain an interest rate below 5%; the vast majority have rates of 3.5% and lower.

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

Search 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

Unlock the benefits of VA Assumable Loans

VA Assumable Loan: Making Homebuying More Affordable

Assuming a VA loan can be an attractive option for both homebuyers and sellers. With the flexibility and benefits it offers, it’s no wonder why many homebuyers choose this route when it comes to homeownership. In this article, we will explore the concept of…

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Are VA Loans Assumable by Non Veterans?

One of the biggest benefits of a VA home loan is that it can be assumed by a future homebuyer. This can result in huge monthly savings to a buyer when the interest rate of that existing VA loan is lower than the rate…


How to Assume a VA Loan in 7 Easy Steps

With interest rates rising, did you know that you could save hundreds on your monthly mortgage payments when you assume a VA mortgage loan? Let’s dive into the benefits of a VA loan assumption and how you can get a super low rate in…

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