About Assumable

Making the American Dream more affordable for Millions

We provide access to 12M+ FHA & VA assumable mortgage homes below 4% — and unite buyers, sellers, agents and lenders in one place.

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Read our story
67,631

Assumable listings active nationwide

53%

Have rates below 4%

$1,187

Average monthly savings vs. market rate

"Assumables are a time machine to the low-rates of the past, and we give you thekeys to the DeLorean."
— The Wall Street Journal
As Featured In
Our story

We were priced out, too

We founded Assumable after being priced out of home ownership like millions of our fellow Americans. Discovering the money-saving potential of an assumable mortgage changed everything — but there was no easy way to find homes for sale with assumable mortgages, and no place for all parties to come together.

Now we’re the only national assumable mortgage platform. We help buyers save thousands, sellers get the most for their home, and agents and lenders serve their clients better.

Our commitment

Building the future of assumable mortgages

First national platform

Our founders built the first and only national assumable mortgage platform — beating venture-backed firms to market.

It’s personal

Our commitment is driven by our own experiences as homeowners and veterans.

All 50 states

A platform for people in every state to reach their home ownership dream, regardless of location.

Who it's for

A lower rate, whoever you are

First-time buyers

Start with a lower monthly payment by taking over a seller's existing FHA or VA rate instead of today's market rate.

Find assumable homes →

Move-up buyers

Get more home for your budget. A lower rate means a lower payment, even on a bigger place.

Browse listings →

Veterans & military

Find homes with assumable VA loans and lock in a rate from years past, without starting a new mortgage.

Search VA homes →

Buyers in every state

Search assumable listings across all 50 states, with the rate and estimated payment shown on every home.

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In the news

Assumable in the press

How some homebuyers are snagging rare, sub-4% mortgages

How some homebuyers are snagging rare, sub-4% mortgages

Assumable mortgages offer rare sub-4% rates — and Assumable.io is one of the startups helping buyers find homes that have them.

Read article →
The homebuying time machine

The homebuying time machine

How assumable mortgages turn back the clock on high rates, featuring Assumable.io co-founders Ryan Carrillo and Louis Ortiz.

Read article →
The market-defying appeal of assumable mortgages

The market-defying appeal of assumable mortgages

Why more US buyers are taking over sellers’ low-rate loans to sidestep today’s high mortgage rates — and what the trend means.

Read article →
A Way to Beat High Mortgage Rates? Take Over Someone Else’s Loan.

A Way to Beat High Mortgage Rates? Take Over Someone Else’s Loan.

How assumable FHA and VA loans let buyers take over a seller’s low rate — and how Assumable.io helps them through the process.

Read article →
Reviews

Why People Love Assumable

Real buyers. Real savings. Real results.

Saved us $1,000 a month

We'd been shut out of the market for almost a year. Every time we ran the numbers at 7%, the payment was just out of reach. A friend mentioned assumable mortgages and I found Assumable.io that night. We found a home in our price range with a 2.75% loan we could take over. Our payment is almost exactly $1,000 a month lower than it would have been with a new mortgage. I still check the number on the statement sometimes to make sure it's real.

Dana R.
Atlanta, GA
✓ Verified buyer
$1,000
/mo saved

Our realtor already knew the platform

The platform is clean and easy to search. The filters for loan balance and interest rate saved me hours. What surprised me was that my realtor was already using Assumable.io with other clients. When I brought up a listing, she pulled up the same loan details I was looking at. We were on the same page the whole way, and that made the process much less stressful.

Marcus T.
Albuquerque, NM
✓ Verified buyer

I had no idea this was an option

I'd spent months refreshing mortgage rate pages and feeling sick every time. Every week it seemed to go up, and I'd started to think we'd never own a home. I honestly didn't know assumable mortgages existed until I found Assumable.io. It explained the whole thing in plain English, and the anxiety lifted once I saw there was a real path. We closed on a house with a 3.45% loan. I wish I'd found this site a year earlier.

Priya N.
Poughkeepsie, NY
✓ Verified buyer

Great platform, steep learning curve on the process

The listings and search tools are excellent, and the rate and balance data made it easy to compare homes. Assuming a loan has more moving parts than a standard purchase, and the lender approval took a while, so be ready to be patient. Our realtor had used Assumable.io on a previous deal and walked us through it, which helped a lot. We ended up saving around $876 a month, so it was worth the wait. I'd give it five stars if the timeline estimates were a little more realistic.

Tom & Alicia B.
Fort Collins, CO
✓ Verified buyer
$876
/mo saved

From dreading rates to a 2.9% mortgage

I kept watching rates climb and telling myself I'd wait it out. Then I'd find a house I loved and the payment would make my stomach drop. Assumable.io showed me I didn't have to take the market rate. I found a home with a 2.9% assumable loan, and my monthly payment is about $1,000 less than the conventional quote. My realtor said she'd been sending clients there for a few months, and now I understand why. Using the site felt like finding a back door nobody told me about.

Kevin L.
Sacramento, CA
✓ Verified buyer
$1,000
/mo saved

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