Rates as low as 2%

Assumable Homes in

Phoenix, Arizona

Find homes with ultra low rates. Save thousands every month.

5000+ UMe Assumable Properties available

Join our weekly virtual Q&A

Hosted every Tuesday and Thursday on Zoom. Buyers, sellers, realtors, or investors, please come with any questions about assumable loans!

Hosted on

Latest Verified Properties

All these listings have been UMe verified

2025-03-20T21:40:32.000Z
Active
6.64% Rate
7.15%
$2,732 /mo
$2,878 /mo
$450,000
($28,963 down)
3
3
1,594 sqft
7030 Clark Road , Paradise, CA 95969
2025-03-20T22:30:18.000Z
Active
2.94% Rate
7.15%
$1,458 /mo
$2,354 /mo
$419,999
($105,587 down)
2
1
810 sqft
18730 Vista Del Canon , Newhall, CA 91321
2025-03-20T21:30:14.000Z
Active
6.85% Rate
7.15%
$4,765 /mo
$4,912 /mo
$1,090,000
($366,537 down)
3
2
1,612 sqft
72850 Tamarisk Street , Palm Desert, CA 92260
2025-03-20T22:20:13.000Z
Active
2.84% Rate
7.15%
$1,299 /mo
$2,125 /mo
$850,000
($559,901 down)
N/A
N/A
sqft
242 E 116th Street , Los Angeles, CA 90061
2025-03-20T22:10:13.000Z
Active
6.54% Rate
7.15%
$3,527 /mo
$3,754 /mo
$520,000
($0 down)*
3
2
1,458 sqft
15781 Coral Street , Palm Springs, CA 92262
2025-03-20T22:10:12.000Z
Active
3.07% Rate
7.15%
$2,001 /mo
$3,178 /mo
$610,000
($172,195 down)
3
2
776 sqft
1815 E 66th Street , Los Angeles, CA 90001
2025-03-20T22:00:22.000Z
Active
3.21% Rate
7.15%
$2,955 /mo
$4,609 /mo
$819,000
($180,456 down)
4
2
1,421 sqft
13604 Avenida Del Charro , El Cajon, CA 92021
2025-03-20T21:50:10.000Z
Active
2.74% Rate
7.15%
$1,482 /mo
$2,454 /mo
$599,900
($270,269 down)
4
3
3,197 sqft
34453 Venturi Avenue , Beaumont, CA 92223
2025-03-20T19:50:17.000Z
Active
2.85% Rate
7.15%
$2,600 /mo
$4,246 /mo
$1,799,000
($1,225,270 down)
6
4
3,211 sqft
824 S Dune Street , Anaheim, CA 92806
2025-03-20T21:40:23.000Z
Active
6.27% Rate
7.15%
$2,838 /mo
$3,107 /mo
$499,000
($50,579 down)
2
2
1,118 sqft
158 Holiday Hills Dr , Martinez, CA 94553
2025-03-20T19:50:38.000Z
Active
3.07% Rate
7.15%
$1,645 /mo
$2,611 /mo
$469,900
($110,101 down)
2
2
1,074 sqft
148 Olympic Cir , Vacaville, CA 95687
2025-03-20T21:40:20.000Z
Active
4.33% Rate
7.15%
$1,560 /mo
$2,122 /mo
$545,000
($272,000 down)
3
3
1,626 sqft
33971 Lily Road , Yucaipa, CA 92399
2025-03-20T21:30:36.000Z
Active
6.82% Rate
7.15%
$4,158 /mo
$4,299 /mo
$749,000
($118,546 down)
3
1
1,069 sqft
11304 Oklahoma Ave , South Gate, CA 90280
2025-03-20T19:50:17.000Z
Active
6.54% Rate
7.15%
$4,062 /mo
$4,323 /mo
$894,000
($268,027 down)
3
3
2,417 sqft
169 Lake Shore Drive , Rancho Mirage, CA 92270
2025-03-20T20:50:13.000Z
Active
2.9% Rate
7.15%
$2,841 /mo
$4,610 /mo
$949,000
($313,860 down)
2
3
1,427 sqft
6039 Portobelo Ct , San Diego, CA 92124
2025-03-20T20:30:24.000Z
Active
2.83% Rate
7.15%
$1,640 /mo
$2,685 /mo
$905,000
($546,230 down)
3
4
3,140 sqft
31920 Reyes Court , Temecula, CA 92591
2025-03-20T20:30:24.000Z
Active
2.68% Rate
7.15%
$854 /mo
$1,426 /mo
$325,000
($133,680 down)
1
1
639 sqft
5530 Ackerfield Ave , Long Beach, CA 90805
2025-03-20T20:20:28.000Z
Active
3.16% Rate
7.15%
$2,095 /mo
$3,289 /mo
$700,000
($262,061 down)
3
4
1,831 sqft
5160 Calle Sand Arch , San Diego, CA 92154
2025-03-20T20:20:18.000Z
Active
2.77% Rate
7.15%
$2,449 /mo
$4,042 /mo
$685,000
($131,248 down)
2
2
1,440 sqft
2726 Bent Spur Drive , Acton, CA 93510
2025-03-20T19:50:35.000Z
Active
3.63% Rate
7.15%
$2,240 /mo
$3,316 /mo
$699,999
($262,298 down)
4
3
1,697 sqft
1627 Livingston Ln , Richmond, CA 94801

What is assumable?

What is an assumable mortgage

An assumable mortgage allows a homebuyer to take over the seller's current loan, locking in lower interest rates and saving on closing costs.

At UMe, assuming a mortgage is straightforward and secure. With over 5,000 certified properties across 20+ cities and a network of 200+ trusted agents, we connect buyers, sellers, and realtors to simplify the process of assuming mortgages.

Explore our listings, discover the advantages of assumable mortgages and join us in reshaping the home buying and selling experience today.

Assume a Loan

Discover your dream home on our website and seamlessly assume the existing loan for a smooth transition.

Find a Home

Apply to Assume

Explore our financing options for assumable homes, making your dream property more accessible.

Loan Options

Find an Agent

Our certified agents are experts in loan assumptions, ensuring you get the best guidance and support.

Certified Agents

How it works with UMe

1

Find homes you're interested in

Search through thousands of properties and inquire to the ones you're most interested in.

Explore all listings

2

Get pre-screened to assume

UMe qualifies you to make sure you're eligible to assume with a low rate, hassle-free.

Apply to assume

3

Close on your dream home

UMe collects 1% of the purchase price and works with all parties for a stress-free experience.

Learn how it works

Assuming a loan is a win-win for everyone

Mortgage assumptions can significantly lower a buyer's monthly payments, have lower interest rates, and offer savings on closing costs.

Learn more about buying

For sellers, mortgage assumptions open the door to a larger pool of qualified buyers. Many times this results in higher sales prices.

Learn more about selling

Realtors can grow their business with assumptions by offering the ultimate win-win proposition for both buyers and sellers.

Learn more and grow

FEEL FREE TO CONTACT US

Do You Have Any Questions?

Check out this FAQ to get more information

All VA and FHA loans are assumable per the US Government. Technically other loans could also be assumable but most conventional loans have a Due on Sale clause. Simply put, this means if you sell the home, the lender has the right to be paid back.

If an assumable loan has a rate well below current mortgage rates, it is highly coveted. Buyers are able to take over that rate and payment. There is value in having a lower monthly mortgage payment.

The down payment needed is the difference between the sales price and the amount owed on the assumable loan. This varies with each home. In some cases, we have seen homes with ZERO down payment needed.

UMe has lender partners that are able to help finance part of the down payment needed. There are also other creative financing options available to buyers and sellers.

Once the buyer has assumed your loan, you are no longer responsible and have no liability for it.

The short answer is no. You have not lost your entitlement. VA phrases it as encumbered. Once the loan is either refinanced or paid off, your entitlement is fully restored. Until that time, you may still have bonus entitlement and the ability to get another VA loan. Call us for details.

Of course. Our business model is built around educating agents and arming them with all the tools they need to help buyers and sellers take advantage of this true win-win.

The buyer paid fee of 1% of the purchase price is paid upon a successful closing and through the transaction closing costs. This assures everyone a stress-free experience.

Book a 15 minute intro call

Schedule NowPrefer to email? support@umeprojects.com

UMe Assumptions

Rates as low as 2%

Assumable Homes in

Join our weekly virtual Q&A

Latest Verified Properties

6.64% Rate

$2,732 /mo

$450,000

2.94% Rate

$1,458 /mo

$419,999

6.85% Rate

$4,765 /mo

$1,090,000

2.84% Rate

$1,299 /mo

$850,000

6.54% Rate

$3,527 /mo

$520,000

3.07% Rate

$2,001 /mo

$610,000

3.21% Rate

$2,955 /mo

$819,000

2.74% Rate

$1,482 /mo

$599,900

2.85% Rate

$2,600 /mo

$1,799,000

6.27% Rate

$2,838 /mo

$499,000

3.07% Rate

$1,645 /mo

$469,900

4.33% Rate

$1,560 /mo

$545,000

6.82% Rate

$4,158 /mo

$749,000

6.54% Rate

$4,062 /mo

$894,000

2.9% Rate

$2,841 /mo

$949,000

2.83% Rate

$1,640 /mo

$905,000

2.68% Rate

$854 /mo

$325,000

3.16% Rate

$2,095 /mo

$700,000

2.77% Rate

$2,449 /mo

$685,000

3.63% Rate

$2,240 /mo

$699,999