Assumable Mortgage Homes for Sale

Discover homes with assumable mortgages and save thousands on your monthly payments. Explore our listings to find the perfect property and benefit from lower interest rates today!

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.

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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. 

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Reduced Closing Costs

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

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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.

AssumeList awarded Inman’s Best of Proptech for 2024!

This prestigious recognition celebrates those who are at the forefront of property technology innovation and redefining the real estate industry.

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Homebuyers

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!

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Realtors

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 bring to the table

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How AssumeList can benefit you?

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.

Areas We Serve

  • 34.7K+

    Assumable Listings
  • 3.6M+

    Off-market Homes

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 LoanAssumable Loan
Down Payment :5%5%
Interest Rate :7.50% 2.50%
VA Funding Fee :$12,540 $3,800
P&I Payment :$5,314$3,002

Save 40% or more!

Learn More About Assumable Loans

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Have a Question?
We’re Ready to Serve!

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.