Find the opportunity.
We provide data and analysis on on-market and off-market properties to surface assumption candidates before your competition finds them.
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Lower Rate.
Lower Payment.
Real Affordability.
Assumable FHA and VA loans give your buyers access to below-market financing that already exists -- and AssumptionHub handles every hard part of the transaction so you don't have to.
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How AssumptionHub Works
Assumptions have a reputation for being complicated. We built a system to remove that friction at every step.
Strengthen the offer.
We vet buyer eligibility upfront - reducing fall-through risk, solidifying buyer commitment, and giving your offer more credibility from the start.
Start Buyer Eligibility ReviewContract with confidence.
We advise on contract language tailored to the specific risks and requirements of assumption transactions, so nothing gets missed.
View DocumentsWe run the transaction.
AssumptionHub manages the process on behalf of buyers, sellers, and agents. You stay focused on your next deal while we keep this one moving.
Know your servicer's timeline.
Assumption timelines vary by servicer. We track current processing times so you can set accurate expectations with your clients from day one.
No surprises at the closing table.
We coordinate with escrow on non-allowable fee structures so the transaction closes cleanly, without last-minute complications.
Frequently Asked Questions
What loans are assumable?
FHA and VA loans are assumable by program design. Conventional loans are generally not assumable, with narrow exceptions for death or divorce.
Is an assumption the same as a "subject to" transaction?
No. A servicer-approved assumption is an authorized transfer of the mortgage under FHA or VA program guidelines. The buyer goes through full underwriting and the seller is completely released from financial liability at closing.
Does a standard pre-approval work for an assumption?
No. Assumptions use different underwriting criteria than a traditional purchase. AssumptionHub vets buyer eligibility specifically for assumption qualification.
Is an appraisal required?
No appraisal is needed.
Is an HOA review or questionnaire required?
No.
How long does it take?
Timelines are servicer-specific, typically around 45 days. Ask us about your seller's servicer -- we track current processing times. View Servicer Timelines
Can a delinquent loan be assumed?
Yes, with specific considerations. Contact an AssumptionHub advisor to review your scenario.
Can a non-veteran assume a VA loan?
Yes. And your seller may still qualify for another VA loan using their bonus entitlement. Entitlement Calculator
What does AssumptionHub cost?
Our fee is $2,495 per side -- nothing is earned or paid until close of escrow. The fee can be negotiated to the buyer side.