Assumable Blog

Market Insights

Assumable mortgage market insights: current rates, rate lock-in data, inventory trends and the numbers behind how much buyers save by assuming a loan.

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Market Insights

Portable Mortgages in Late 2026: Do They Exist Yet?

Portable mortgages don't yet exist for conventional U.S. loans in late 2026; the MOVE Act remains stalled in committee. However, FHA, VA, and USDA mortgages are assumable now, letting buyers take over sellers' low rates immediately, unlike pending portable mortgage legislation.

Assumable Mortgage Rates: Save $1,051/Month at 7.28%

Assuming a seller's FHA or VA loan at 3% instead of a new 7.28% mortgage saves about $1,051 monthly on a $400,000 home, roughly $12,600 yearly, as 12.2 million assumable loans remain available nationwide.

Assumable Home Availability: Latest Statistics

Missed the 2–4% mortgage rates? Assumable mortgages are your second chance. The latest numbers on how many low-rate assumable homes are out there.

Assumable's Role in Streamlining Assumable Mortgages

How Assumable guides buyers, sellers, agents and lenders through a mortgage assumption, from paperwork to lender coordination.

The Official Q1 2024 Assumable Mortgage Homes Report

Get the best assumable mortgage data in the nation

July 17, 2025

1 min read

Ryan Carrillo

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How much could an assumable loan save you?

Enter the home price, the seller's loan balance, rate and remaining term to see your monthly payment, total interest and the equity gap you'll need to cover.

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Home you're interested in assuming

Example

Home sale price

$500,000

Mortgage balance

$350,000

Existing rate

2.5%

Remaining term

25 years

Monthly payment

$1,570

Total interest

$121,048

Equity gap

$150,000

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