23 states · 4,219 cities

Assumable homes,
by state and city.

Every market here is indexed from live MLS feeds and filtered down to homes with a mortgage you can take over. Pick a state to see counts, rates, and neighborhoods, or search a city directly.

Browse by stateHow an assumption works

Browse by state

Where we have coverage

Every market

Assumable homes by city

Each city page shows current inventory, the lowest and median locked rate, and the ZIP codes with the most assumable homes.

AL

Assumable homes in Alabama

1 city with MLS coverage

All of Alabama

AZ

Assumable homes in Arizona

216 cities with MLS coverage

All of Arizona
Show all 216 cities

CA

Assumable homes in California

1,128 cities with MLS coverage

All of California
Show all 1,128 cities

CO

Assumable homes in Colorado

361 cities with MLS coverage

All of Colorado
Show all 361 cities

FL

Assumable homes in Florida

480 cities with MLS coverage

All of Florida
Show all 480 cities

GA

Assumable homes in Georgia

11 cities with MLS coverage

All of Georgia

ID

Assumable homes in Idaho

196 cities with MLS coverage

All of Idaho
Show all 196 cities

IA

Assumable homes in Iowa

29 cities with MLS coverage

All of Iowa
Show all 29 cities

KS

Assumable homes in Kansas

1 city with MLS coverage

All of Kansas

MI

Assumable homes in Michigan

3 cities with MLS coverage

All of Michigan

MN

Assumable homes in Minnesota

872 cities with MLS coverage

All of Minnesota
Show all 872 cities

MT

Assumable homes in Montana

255 cities with MLS coverage

All of Montana
Show all 255 cities

NV

Assumable homes in Nevada

39 cities with MLS coverage

All of Nevada
Show all 39 cities

NM

Assumable homes in New Mexico

18 cities with MLS coverage

All of New Mexico

NC

Assumable homes in North Carolina

1 city with MLS coverage

All of North Carolina

ND

Assumable homes in North Dakota

305 cities with MLS coverage

All of North Dakota
Show all 305 cities

OR

Assumable homes in Oregon

27 cities with MLS coverage

All of Oregon
Show all 27 cities

RI

Assumable homes in Rhode Island

1 city with MLS coverage

All of Rhode Island

SD

Assumable homes in South Dakota

19 cities with MLS coverage

All of South Dakota

TX

Assumable homes in Texas

18 cities with MLS coverage

All of Texas

UT

Assumable homes in Utah

10 cities with MLS coverage

All of Utah

WA

Assumable homes in Washington

13 cities with MLS coverage

All of Washington

WI

Assumable homes in Wisconsin

215 cities with MLS coverage

All of Wisconsin
Show all 215 cities

How it works

From market to keys in three steps.

An assumable mortgage lets you step into the seller’s existing loan at the rate it was written, instead of financing at today’s market rate. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are.

  1. 01

    Pick a market

    Every state and city above has live MLS coverage. Start broad or jump straight to the neighborhood you already have in mind.

  2. 02

    Find a locked rate

    Each listing carries an existing FHA, VA, or USDA loan you can take over, with its rate, balance, and payment already worked out.

  3. 03

    Assume and close

    You qualify with the current servicer, not a new lender. The seller’s rate and remaining term become yours at closing.

Ready when you are

Don’t see your market yet?

Coverage grows as we add MLS feeds. Search the map for any address, or list your own low-rate loan and let buyers come to you.

Open the mapSell your rate
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