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Assume a mortgage with a 2% – 5% rate today. An assumable mortgage can save you thousands per year.
Failures you
don’t see coming.
How 99% of assumable buyers crash and burn
Any website can show me Assumable Homes
I can find assumable listings using Zillow, Realtor.com, or Redfin with the keyword “assumable”, right? No!
Working with an Untrained Agent
I can subscribe and tell my agent which homes are assumable, right? Sadly, No.
The Lender will tell you No
I can just call the lender and they’ll walk me through the process and will ensure it closes on time, right? Not even close!
If agents are so ignorant, I’ll just do it myself
The problem is no listing agent will believe you. Assumptions are near impossible without your agent using AssumeList’s tools and training.
TL;DR: If you think you can find assumable mortgages by using keywords on popular search sites, you’ll see less than 10% of available assumable homes.
TL;DR: Many listing agents intentionally avoid assumptions based on misinformation or lack of knowledge. Buyer agents trained by AssumeList know how to overcome listing agent objections and concerns.
TL;DR: Banks and mortgage servicers often tell buyers and homeowners that the property’s mortgage is not assumable even when it actually is.
TL;DR: “I’m a smart person and I’ve done all the research on assumptions – I’ll just represent myself.” Listing agents have no reason or obligation to accept what a buyer says. Your local AssumeList-trained agent can win their trust and get you to the finish line.
Everything You Need to Buy a Home for Less.
We provide the data, tools, and connections you need to find and close on a low-interest rate home.
Active Assumable Listings
Access thousands of homes with low interest rate mortgages available for assumption.
Savings Analysis
Instantly visualize your monthly mortgage savings compared to today’s market rates – including showing your blended interest rate when using a 2nd mortgage.
VA Entitlement Calculator
Veterans can split their VA entitlement! See the seller’s remaining VA loan purchasing power after leaving the portion of their entitlement tied to the property.
Cash Gap Financing
Cash gaps are growing every month. But this doesn’t have to stop you from saving money with an assumable mortgage.
Lies, Myths
Cold Hard Truths
The industry profits from your ignorance. We profit from your
success. Here is the difference between myth and fact.
Assumptions are bad for sellers
Fact
Homes advertised with a low-rate assumable mortgage receive more interest from buyers, field more open house attendees, sell faster, and often receive higher offers that net the seller more money.
Assumptions take 4-6 months to approve
Fact
AssumeList streamlines the process and closes assumptions in 30 – 60 days.
I can work with any agent
Fact
99% of agents have never completed an assumption. AssumeList trains agents to navigate the complexity of assumptions and get buyers to the finish line.
VA loans are only for Veterans
Fact
Any homebuyer or investor can assume a VA loan when the seller is willing to leave behind the portion of their entitlement tied to the home. About 1 in 4 sellers leave their entitlement for a non-veteran buyer.
Sellers are liable if the buyers default
Fact
All assumptions include a full transfer of liability. The seller has no financial liability after closing, which is no different than the buyer taking out a new mortgage.
Assumptions aren’t real
Fact
All VA, FHA, and USDA mortgages are assumable by law. These government-backed mortgages have a federal guarantee for assumability via a legally regulated process.
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“I closed 11 assumptions when 74% of agents did not have a single transaction.”
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“2025 was one of my best years even though it was a down cycle.”
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