What is AssumptionHub, and is it legit?
AssumptionHub is a San Diego company that helps buyers, sellers and real estate agents find and close homes with assumable FHA and VA mortgages. It runs a listing search that shows each home's loan type, rate, balance and estimated payment, and a transaction-management service that qualifies the buyer and gets the assumption approved by the loan servicer.
It is a licensed California real estate brokerage (CA DRE Lic #02246838), with a published address and phone number, and its $2,495 per-side fee is only earned if escrow closes. You can verify the licence on the California DRE's public lookup.
What AssumptionHub does
- Listing search: homes for sale with assumable FHA and VA loans, with the interest rate, estimated balance and monthly payment compared with a new loan.
- Off-market matching: owners with low-rate FHA or VA loans who aren't listed yet, matched to buyers' criteria.
- Transaction management: buyer qualification for the assumption, the servicer package, follow-up with the assumptions department, coordination of equity-gap financing and the seller's release of liability.
- Calculators: VA entitlement and blended-rate payment tools.
What it costs
Searching is free. The transaction-management fee is $2,495 for the buyer and $2,495 for the seller, and it is earned only on a successful close of escrow. The fee can be negotiated to the buyer side. Servicer fees, the VA funding fee and normal closing costs are separate; see typical costs.
How to check that it's legitimate
- Licence: California Department of Real Estate licence #02246838, searchable on the DRE's public licence lookup.
- Address and phone: 2905 Commercial Street, San Diego, CA 92113, (858) 699-3315, team@assumptionhub.io.
- Fee structure: nothing is paid until closing, so there's no upfront charge to lose.
- Client reviews: see the testimonials on our buyers page, including an assumption closed in 29 days.
Who it's for
- Buyers who want a 2–4% rate on an existing loan instead of today's rate, and help with qualification, the servicer and the equity gap.
- Sellers who want to market their low-rate loan, get a qualified buyer and a release of liability.
- Agents who want assumable listings for clients and someone to run the servicer process. See the agents page.
How it compares
Most other assumable sites are search-only subscriptions. Roam, which offered a similar concierge service for 1% of the price, stopped its home discovery and assumption processing in August 2026. See the platform comparison.
Frequently asked questions
Is AssumptionHub legit?
Yes. AssumptionHub is a licensed California real estate brokerage (CA DRE Lic #02246838) based in San Diego, with a published address and phone number, and its fee is only earned when escrow closes.
How much does AssumptionHub charge?
$2,495 for the buyer and $2,495 for the seller, paid only on a successful close of escrow. The fee can be negotiated to the buyer side. Searching listings is free.
Is AssumptionHub a lender?
No. AssumptionHub is a real estate brokerage and transaction-management service. The existing loan stays with its servicer, and any equity-gap financing comes from a lender or the seller.
Where is AssumptionHub located?
2905 Commercial Street, San Diego, CA 92113. Phone (858) 699-3315, email team@assumptionhub.io.
What types of loans does AssumptionHub work with?
Assumable FHA and VA loans, which make up almost all assumable mortgages.
Talk to the AssumptionHub team
Ask us about a listing, your loan or how the process works. No fee until closing.
Contact us