Assumable mortgages at a glance
Data as of June 1, 2026
14.4M+
Active assumable homes
3.9%
Avg. interest rate
$293/mo
Avg. savings
Assumable mortgages
14.4M with an average interest rate of 3.9%
Top markets
541 listings
359 listings
288 listings
279 listings
272 listings
How we calculate our data
- We track live for-sale homes that have assumable FHA/VA loans.
- We estimate a buyer’s monthly payment using the remaining loan balance and the actual assumable interest rate.
- We compare that to a new 30-year mortgage at today’s average rate to show monthly savings.
- Equity gap = purchase price – remaining loan balance (roughly the cash you’d need to bring or finance another way).
- Taxes/insurance vary by home, so we keep the comparison focused on the loan piece for apples-to-apples.
Frequently asked questions
A loan you can take over from the seller—keeping their low rate.
Click the button; we’ll check basic eligibility for FHA/VA assumptions.
Monthly
They’re estimates—your actual numbers depend on the specific home and your approval.