The best assumable mortgage platforms in 2026
In 2026 the main platforms are AssumptionHub (listings plus full transaction management, $2,495 per side paid only at closing), Assumable.io (a nationwide search subscription), AssumeList (a subscription search in a subset of states) and Roots (a free search). Roam, the best-funded platform, stopped offering home discovery and assumption processing in August 2026.
The real split is between sites that only find assumable homes and companies that also get the assumption approved with the servicer. If you want someone to run the servicer process, qualification and the equity-gap financing, pick a transaction service. If you just want to search, a listing site is enough.
Two kinds of platform
- Listing search. Matches for-sale homes to the public mortgage record so you can see which ones carry an FHA, VA or USDA loan. You still handle the offer, the servicer and the equity gap yourself, usually with your agent.
- Transaction management. Qualifies you for the assumption, builds the servicer package, chases the approval and coordinates the equity-gap financing and closing. This is the part that makes or breaks an assumption.
Comparison
| Platform | What it does | Cost | Status (October 2026) |
|---|---|---|---|
| AssumptionHub | Listing search with the loan type, rate, balance and payment on every home; off-market owner matching; full transaction management with the servicer; VA entitlement and blended-rate calculators. | Search is free. Transaction management is $2,495 per side, paid only if escrow closes; it can be negotiated to the buyer side. | Active. Licensed California real estate brokerage, based in San Diego. |
| Assumable.io | Listing search with rate, balance and payment filters; says it covers all 50 states and includes off-market data in a pro tier. | Subscription, about $19 a month per its site. | Active. Search only; you process the assumption yourself. |
| AssumeList | Listing search with buyer and agent plans. | Monthly subscription (roughly $30–40 a month for buyers per its published plans; check the current price). | Active in a subset of states. |
| Roots | Listing search. | Free to search, per its site. | Active. |
| Roam | Was a listing marketplace plus concierge assumption service, charging buyers 1% of the price. | — | Exited. Its site says it "no longer provides home discovery or assumption-processing services" and refers visitors to a mortgage broker. |
| Zillow, Redfin, Realtor.com | No assumable filter; you can keyword-search listing text for "assumable". | Free | Only finds sellers who mention the loan. |
Competitor details are taken from each company's public website in October 2026 and can change. Check their sites for current pricing and coverage.
What happened to Roam
Roam launched in 2023, raised an $11.5 million Series A in 2025 and charged buyers 1% of the purchase price for a concierge assumption service. In August 2026 its website announced that it no longer provides home discovery or assumption-processing services. Buyers who were working with Roam now need another way to find homes and get the servicer approval done.
Which companies help you with the assumption itself?
- A transaction-management service such as AssumptionHub, which qualifies the buyer, prepares the servicer package, follows up with the servicer's assumption department and coordinates closing for both sides.
- Your real estate agent, ideally one who has closed an assumption before. See our guide for agents.
- The loan servicer, which approves or denies the assumption. See how to work with the servicer.
- A lender or the seller for the equity gap, if you're not paying it in cash. See how to pay the seller's equity.
How to choose
- You want to search and do it yourself: a free or subscription listing search, plus an experienced agent.
- You want the deal managed end to end: a transaction service with a fee that's only due if the deal closes, so the incentive is to get the approval done.
- Either way, confirm the loan type, servicer, balance and rate from the seller's mortgage statement before you make an offer.
Frequently asked questions
What is the best website to find assumable mortgages?
AssumptionHub shows the loan type, rate, balance and estimated payment on each listing and also manages the assumption; Assumable.io, AssumeList and Roots are search-only sites, and Zillow only finds homes whose listing text mentions "assumable".
Is Roam still operating?
No. In August 2026 Roam's website said it no longer provides home discovery or assumption-processing services.
AssumptionHub vs Roam: which is better?
Roam is no longer an option; it stopped its home discovery and assumption-processing services in August 2026. AssumptionHub is active, charges a flat $2,495 per side only at closing (Roam charged buyers 1% of the price), and manages the servicer process.
Do I have to pay to search for assumable homes?
Not on AssumptionHub or Roots. Assumable.io and AssumeList charge a monthly subscription for search.
Which companies help buyers with a loan assumption?
A transaction-management service such as AssumptionHub, an agent experienced with assumptions, the loan servicer that approves the assumption, and a lender or the seller for the equity gap.
See assumable homes for sale
Browse homes with assumable FHA and VA loans, with the rate, balance and estimated monthly payment on every listing.
Search assumable homes