Find Homes with 2-4% Assumable Mortgages
Save $500-$1,500/month by taking over the seller's existing FHA, VA, or USDA loan
Expert Guidance by Dr. Jan Duffy | Licensed Nevada REALTOR® | Berkshire Hathaway HomeServices | 30+ Years Experience
Luxury Homes with Assumable Mortgages
Browse our exclusive collection of luxury homes in Las Vegas and Henderson ($500K - $16M) with assumable mortgage opportunities
Assumable Mortgages Nationwide
of VA Loans Below 5%
Average Annual Savings
Assume VA Loans
How It Works
Three simple steps to save thousands on your mortgage
Find a Home with an Assumable Loan
Search for homes with FHA, VA, or USDA mortgages. These loans are assumable, meaning you can take over the seller's existing loan terms.
Qualify with the Existing Lender
Meet the lender's requirements: credit score 580-620+, DTI under 50%, and provide standard documentation. The process is simpler than a new loan.
Assume the Low Rate & Save Thousands
Take over the seller's 2-4% interest rate instead of getting a new loan at 6-7%+. Save $500-$1,500/month on your mortgage payment.
Types of Assumable Mortgages
Three loan types allow you to assume existing mortgages
FHA Assumable Loans
FHA loans are assumable with credit score 580+, 3.5% down equivalent, DTI under 50%. Assumption fee capped at $900.
VA Assumable Loans
VA loans are assumable by anyone - veterans and non-veterans. Credit score 620+ typically required. 0.5% funding fee.
USDA Assumable Loans
USDA loans are assumable in rural areas with income limits. Great option for qualified buyers in eligible areas.
Calculate Your Savings
See how much you could save with an assumable mortgage
Example: $400K home with 3% assumable mortgage vs 7% new mortgage
Assumable Payment:
$1,352/mo
New Mortgage Payment:
$2,528/mo
Monthly Savings:
$1,176/mo
Frequently Asked Questions
Common questions about assumable mortgages
An assumable mortgage allows a homebuyer to take over the seller's existing mortgage loan, including its interest rate and terms. Instead of getting a new loan at current market rates, you assume the seller's original loan.
Yes! Non-veterans CAN assume VA loans. While VA loans were originally designed for veterans, anyone can assume an existing VA mortgage as long as they meet the lender's credit and income requirements.
Buyers typically save $500-$1,500 per month by assuming a 2-4% mortgage instead of getting a new loan at 6-7%+. Over 30 years, this can add up to $180,000-$540,000 in savings.
The assumption process typically takes 45-90 days, which is slightly longer than a traditional mortgage (30-45 days). The lender needs to verify your credit, income, and other qualifications before approving the assumption.
Trusted Authority on Assumable Mortgages
Dr. Jan Duffy brings 30+ years of expertise to help you navigate assumable mortgage opportunities
Years of Experience
Las Vegas Real Estate Market
With over three decades in the Las Vegas real estate market, Dr. Duffy has witnessed and adapted to every market cycle, giving her unique insights into assumable mortgage opportunities.
Specialized Expertise
Assumable Mortgage Specialist
Dr. Duffy is one of Nevada's leading experts on assumable mortgages, with deep knowledge of FHA, VA, and USDA loan assumption processes, requirements, and strategies.
Market Intelligence
Data-Driven Insights
Leverage Dr. Duffy's comprehensive understanding of the Las Vegas market, including which areas have more assumable mortgage opportunities and current market trends.
Published Expert
Authoritative Content
Dr. Duffy creates comprehensive, expert content on assumable mortgages, sharing her knowledge through detailed guides, articles, and educational resources.
Why Work with an Assumable Mortgage Specialist?
Assumable mortgages have unique requirements, processes, and opportunities that most real estate agents don't fully understand. Dr. Duffy's specialized expertise means you get accurate information, strategic guidance, and expert navigation through the assumption process—from finding assumable homes to closing successfully.
Schedule a Consultation
Book a time to discuss assumable mortgage opportunities with Dr. Jan Duffy
Dr. Jan Duffy
Your Nevada Assumable Mortgage Specialist
REALTOR | License S.0197614.LLC
Berkshire Hathaway HomeServices Nevada Properties
With over 30 years of real estate market expertise, Dr. Jan Duffy specializes in helping homebuyers find assumable mortgage opportunities in Las Vegas, Henderson, and throughout Nevada. Whether you're a first-time buyer or experienced investor, I can guide you through the assumption process to save thousands on your mortgage.
Specializations:
- Assumable mortgages (FHA, VA, USDA)
- Luxury homes in Las Vegas and Henderson
- First-time homebuyer assistance
- Investment property guidance