“We couldn’t believe we actually got a 2.25% mortgage in 2025! This was life changing.”Kristen R, San Diego
For Buyers
How Assumable
Mortgages Work
Instead of getting a new loan at today's rates, you take over the seller's existing FHA or VA loan - their rate, their remaining balance, their term.
The result?
Same monthly budget, dramatically more house. Or same house, hundreds of thousands saved in interest.
helps you: Lower Monthly
Payments Long-Term
Interest Savings Increased
Purchasing Power
Sellers and listing agents are 70% more likely to accept assumption offers when experienced professionals are involved in helping manage the transaction.
Shorter Processing times
Fewer Denied Transactions
Fewer Uncertainties
Talk to an expert:
connect with our team to evaluate
your assumption strategy
We did it!
“AssumptinHub got our assumption done in 29 days.”Bryce P. San Diego
“AH helped us buy our first home! We are so grateful for their help and truly moved by their efforts.”Ranae H, San Diego
Frequently Asked Questions
What is Assumption Hub?
AssumptionHub is the industry expert on assumable loans. We are a technology and transaction management firm dedicated to helping homebuyers, home sellers and agents be successful with assumable real estate transactions.
Where can I find assumable mortgage listings?
We built a search tool to make it easier to find them. If you do not see exactly what you want, create a free account and set up notifications so you can track new listings that match your criteria.
How can I find assumable properties that aren't listed for sale?
We can help identify opportunities that are not yet publicly listed. Schedule an appointment with our team to discuss your assumption goal and strategy.
What are the options to cover the seller's equity gap?
The seller's equity can be covered with a buyer down payment, a gift, or a piggyback second mortgage. We help you decide which structure is realistic for the specific deal.
Who qualifies for an assumable mortgage?
Eligibility is governed by FHA and VA rules. Qualification is different from traditional income, asset, and credit guidelines, so your eligibility should be reviewed carefully before you make an offer.
Can non-veterans assume a VA loan?
Yes. Military service is not required to assume a VA loan. We also have tools and resources to help educate sellers and overcome common objections around this issue.
Can investors assume a loan?
Investors can assume VA loans. FHA loans must be owner-occupied. If you are searching for investment opportunities, focus on VA loan types and understand that the seller must agree to leave their entitlement with the loan.
How long does an assumable purchase take to close?
With AssumptionHub transaction management, most loans close in about 45 days.
What are the costs and how do they differ from a traditional purchase?
Detailed cost estimates and comparisons for each assumable listing are outlined in the search portal. AssumptionHub's transaction management fee is $2,495 for the buyer and $2,495 for the seller, and the fee is only earned upon a successful close of escrow.