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42,631 active assumable listings
See Assumable
Mortgage Listings Nationwide
Search assumable homes for sale — save $1,187/month on average by taking over an existing low-rate mortgage.
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4,200+ buyers saved avg. $14,244/yr
42,631
Assumable listings active nationwide
53%
Have rates below 4%
$1,187
Average monthly savings vs market rate
"Assumables are a time machine to the low-rates of the past, and we give you thekeys to the DeLorean."
— The Wall Street Journal
As Featured In
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Data-Backed Impact
Assumable Mortgages by the Numbers
Our industry leading data analysis shows the financial case for assuming an existing low-rate mortgage is life changing for most Americans
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$427k+
Avg. interest savings over 30 years
Compared to taking out a new mortgage at today's prevailing rates
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29%
Lower monthly payment
The average assumable mortgage payment vs. buying at today's market rates
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$14,244
Average annual savings
Per year in mortgage payments forbuyers who assume existing low-rate loans
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$1,187
Monthly payment difference
The typical buyer saves over a thousand dollars every single month
The Basics
What is an
Assumable Mortgage?
An assumable mortgage lets a homebuyer take over the seller's existing loan —including the original interest rate, remaining balance, and repayment terms.Instead of taking out a new mortgage at today's elevated rates, you step into theseller's position.
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Keep the seller's original low interest rate
Lock in rates from 2–4% even as today's market hovers above 7%. The rate stays withthe loan, not the market.
Only finance the remaining balance
You assume what's left — not the original purchase price. You may cover any equity gapwith cash or a second loan.
FHA & VA loans are fully assumable
Government-backed loans are the primary source of sub-4% assumable mortgages.Most conventional loans are not assumable.
Lender approval is required
The buyer must qualify with the existing lender or servicer. Our network of assumptionspecialists guides you through every step.
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How to assume a low rate mortgage
Buy a Home With Its Existing Low Rate
Why thousands trust Assumable.io for their assumable mortgage search
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01
Find a Home
Browse thousands of verified assumable listings on the only nationwide platform. Filter by interest rate, location, loan type,remaining balance, and monthly payment.
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02
Qualify & Assume
The assumption process is just like a typical mortgage origination, with a few additional pieces of paperwork. Qualified buyers can assume the existing low rate mortgage!
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03
Save Thousands
Take over the seller's existing low-rate mortgage and lock in monthly payments hundreds or even thousands of dollars lower than any new loan at today's rates.
Monthly Savings
$1,187
Average Lower payments vs. current market ratemortgage
You Take Over
The Existing Loan
Assume the remaining balance, rate & terms— not a new mortgage
Access Rates
Below 4%
Historically low rates no longer available on the open market are available on Assumable.io
VA Loan Assumption
Non-Veterans Qualify
Can a non-veteran assume a VA loan? Yes— anyone can assume a VA loan.
Unlock Premium Off-Market Data
The most comprehensive off-market assumable mortgage database in the country. Our premium plan gives investors, brokers, and agents access to proprietary listing data and off-market assumable home data so you can focus your business on the hottest real estate opportunity in years
Access listings before they go public
See every unlisted assumable home in your target area
Direct connection to assumption specialists
Lender-verified rate and balance data
Testimonials
Why People Love Assumable
Real buyers. Real savings. Real results.
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We Don't Charge 1%
Our assumable mortgage search platform does not take 1% of your transaction as a fee and we do not sell your data to real estate agents like some of our competitors. One flat monthly payment gets you everything you need.
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We Find Assumable Homes
Our platform exclusively surfaces FHA and VA assumable listings with verified rate data — saving you hours of research and dead ends.
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Buyers & Sellers Benefit
Sellers move their homes faster. Buyers access rates that no longer exist. Assumable.io is the only platform built for both sides of this market, with a simple monthly fee to access our award winning platform
"We assumed a 2.75% FHA mortgage and saved$1,400/month compared to what we'd pay today.The whole process was seamless and the team wasincredibly helpful."
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Sarah M.
Austin, TX
$1,400/mo saved
"I had no idea assumable mortgages were even an option until I found Assumable.io. We locked in a 3.1% rate when the market was at 7.5%. Absolutegame changer."
James T.
Denver, CO
$980/mo saved
"The platform made it incredibly easy to find, filter,and qualify for an assumable loan. We closed in 45days and now have a rate our friends can't believe exists."
Linda & Rob K.
Phoenix, AZ
$1,210/mo saved
4.9 / 5
Rating from verified buyers
4,200+
Successful assumptions closed
$0
Buyer-side agent commissions
Our Mission
We're Making The American Dream More Affordable For Millions
Assumable.io is the only assumable mortgage search platform in all 50 states. Start your search now
The #1 Resource on assumable mortgages
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