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Find a home with a low rate
Roughly 1 in 4 mortgages is assumable. FHA and VA loans can transfer with the property.
Why buyers and agents use UMe
Assumable mortgages, explained
An assumable mortgage lets you take over a seller's existing home loan. Same rate, same term, same monthly payment they signed years ago. Step into a 2 to 4% mortgage from the COVID era instead of a 6.23% rate today.
50 years of mortgage rates
US 30-year fixed average

Same home, same loan
On the $420,000 loan after 20% down.
Today's rate
monthly payment
Assumable rate
monthly payment
Save $921 every month
That's $331,560 over the life of the loan.
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Roughly 1 in 4 mortgages is assumable. FHA and VA loans can transfer with the property.
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You keep the same rate and term while the lender transfers the loan into your name.
03
A much lower rate can reduce monthly payments and preserve long-term wealth.
Certified listings from our marketplace — compared to financing at 6.23%.
How it works
Step 01
We qualify you per government assumption guidelines and tell you exactly what you qualify for in the assumption world.
Step 02
We connect you with an assumable loan expert and a realtor we've personally trained to handle assumptions.
Step 03
Once you're under contract, we work with the buyer, seller, servicer, and all parties to facilitate a successful assumption transfer.
Step 04
You close at one of the lowest rates in modern mortgage history and walk in the front door of your new home.
Your next move
Search listings, explore assumption financing, read the latest from our team, or learn how the process works—paths we recommend to every serious buyer.
01
Discover your dream home and seamlessly assume the existing loan for a smooth transition.
Find a home02
Explore financing options for assumable homes and make your dream property more accessible.
Loan options03
Learn how loan assumptions work, guided by our certified agents for the best support.
How it works04
Assumable mortgage education, market updates, and tips from our writers.
Browse articles
Ready when you are
Pre-qualify in 2 business days
Assumptions are not perfect. Here's the four things every other firm hopes you don't ask about - and our honest answer to each one.
"Banks don't want to do these.
Servicers make almost zero money on an assumption. They'd much rather you originate a brand-new loan at today's 7%.
vs
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So we make them do it anyway.
We've assumed loans with every major servicer in the country - Mr. Cooper, PennyMac, Freedom, Lakeview, NewRez. We know their forms, their underwriters, and their excuses.
#1
Highest success rate in the country
for assumable mortgage closings
45-90
Days to close
varies by servicer; we'll tell you which
500+
Closed assumptions
more than any other firm in the country
UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.