{"id":7074984,"date":"2026-10-04T00:14:26","date_gmt":"2026-10-04T00:14:26","guid":{"rendered":"https:\/\/fivemor.com\/?p=7074984"},"modified":"2026-10-04T00:14:26","modified_gmt":"2026-10-04T00:14:26","slug":"how-do-i-find-a-home-with-an-assumable-mortgage","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7074984","title":{"rendered":"How Do I Find a Home With an Assumable Mortgage?"},"content":{"rendered":"


\n<\/p>\n

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2. Search real estate websites using keywords<\/h3>\n

Assumable mortgages are gaining attention among homebuyers, with more real estate listings on platforms like Redfin and Zillow highlighting the option to take over an existing loan.<\/p>\n

Most websites have advanced filtering options that will let you enter keywords into your home search. If the seller or their agent is aware that a loan is assumable, they often include this information in the listing.<\/p>\n

Some multiple listing service<\/a> (MLS) systems also have a built-in field for \u201cAssumable,\u201d which allows you to select this specific filter when running a search.<\/p>\n

If a site\u2019s filter does not include an \u201cAssumable\u201d filter option, enter specific keywords like \u201cAssumable mortgage,\u201d \u201cAssumable,\u201d or \u201cAssume.\u201d This method can filter out listings that don\u2019t meet your criteria, narrowing your search to properties with potential assumable loans.<\/p>\n

\"A\"A<\/p>\n

When using major sites like Zillow, the keyword option is located under the \u201cMore\u201d menu or the \u201cAdvanced Search\u201d tool. You can also try including keywords related to loan types that you know are assumable, such as \u201cVA loan,\u201d \u201cFHA loan,\u201d or \u201cUSDA loan.\u201d On some sites, loan-type information can be found in the \u201cMortgage History\u201d section of a listing.<\/p>\n

However, there will be other homes on the market with assumable loans that will not appear on a standard keyword search.<\/p>\n

3. Use assumable loan websites and online services<\/h3>\n

There are modern websites and online services dedicated to finding home listings with assumable mortgages. These platforms are specifically designed to connect buyers with sellers offering assumable loans, making them a focused resource in your search. We discuss below some of the platforms worth exploring.<\/p>\n

What is AssumeList (assumelist.com)?<\/h4>\n

AssumeList<\/a> is a real estate search platform that provides homebuyers and agents the ability to find on- and off-market properties with assumable mortgages.<\/p>\n

According to the website, all the listings on the platform \u201ccontain an interest rate below 5% and the vast majority have rates of 3% and lower,\u201d allowing buyers to cut down thousands in monthly interest.<\/p>\n

Veteran-owned and developed from the ground up, AssumeList is available in over 20 states<\/a>, including Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, North Carolina, Pennsylvania, South Carolina, Texas, Tennessee, Utah, Virginia, Washington D.C., West Virginia, and Wisconsin, and Washington.<\/p>\n

AssumeList charges a monthly fee for access to its searchable database ($29 a month for homebuyers and $79 a month for licensed agents), which can be canceled at any time. Visit the company\u2019s FAQ page<\/a> for more information.<\/em><\/p>\n

What is Assumable.io?<\/h4>\n

Assumable.io<\/a> is a platform that provides access to over seven million assumable mortgage homes with rates below 4%. It operates in all 50 states and more than 6,500 cities, unlike other platforms that cover only limited markets.<\/p>\n

Unlike other platforms, assumable.io does not charge buyers up to 1% of their transaction. It allows users to search and filter homes, making it easier to find options that meet their needs.<\/p>\n

What is Propstream\u2019s Assumable Mortgages Lead List?<\/h4>\n

PropStream\u2019s Assumable Mortgages Lead List is designed to help real estate investors and agents find homes with existing mortgages that could potentially be taken over by a new buyer. It focuses on properties with FHA, VA, or USDA loans, which are often assumable if the buyer and loan meet certain requirements.<\/p>\n

The list includes details such as the estimated loan balance and interest rate, giving investors a quick way to spot properties that might come with favorable financing. From there, investors can narrow down the list to find leads that fit what they\u2019re looking for. Just remember, being on the list doesn\u2019t mean the loan is automatically assumable. The lender still has to approve the transfer, and the buyer needs to qualify.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

2. Search real estate websites using keywords Assumable mortgages are gaining attention among homebuyers, with more real estate listings on platforms like Redfin and Zillow highlighting the option to take over an existing loan. Most websites have advanced filtering options that will let you enter keywords into your home search. If the seller or their […]<\/p>\n","protected":false},"author":1,"featured_media":7074985,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99],"tags":[37588,10959,235639,1159,11008,235640],"dealstore":[],"offerexpiration":[],"class_list":["post-7074984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-assumable","tag-find","tag-find-assumable-mortgages","tag-home","tag-mortgage","tag-search-assumable-mortgages"],"yoast_head":"\nHow Do I Find a Home With an Assumable Mortgage? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7074984\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do I Find a Home With an Assumable Mortgage? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"2. 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