3.76% VA
$600,000
$2,504/mo
2493 East 3769 North
Twin Falls, ID
4 bd2 ba2,200 sqft
Filer, Idaho
Keep the rate.
Buy the home in Filer.
2 assumable homes for sale in Filer, with locked rates from 3.38%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.94%
vs 7.2% market
$564/mo saved
Median locked rate
4.94%
Across 2 assumable listings
Typical monthly savings
$564
On a $670,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in Filer
Homes with a rate worth keeping
3.10% FHA
$310,000
$914/mo
458 Rose St. N
Twin Falls, ID
4 bd2 ba2,197 sqft
2.74% FHA
$499,900
$1,195/mo
841 Canyon Crest Dr.
Twin Falls, ID
4 bd3 ba2,317 sqft
3.38% VA
$1,030,000
$1,615/mo
1950 3700 N
Filer, ID
6 bd5 ba5,045 sqft
5.25% VA
$417,000
$2,297/mo
1512 Bird Farm Drive
Jerome, ID
3 bd3 ba1,700 sqft
3.53% FHA
$249,900
$376/mo
211 Villa Circle
Twin Falls, ID
3 bd2 ba1,456 sqft
Inventory snapshot
What’s assumable in Filer right now
Live counts from the MLS feeds we index for Idaho. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 3.38%
- Median rate
- 4.94%
- Median list price
- $670,000
- Median cash to assume
- $413,533
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- VA2 homesmedian 4.94%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Filer ZIP code
Nearby markets
More assumable homes in Idaho
- Nampa70
- Boise68
- Meridian55
- Twin Falls40
- Caldwell38
- Mountain Home36
- Kuna23
- Lewiston23
- Eagle15
- Star14
- Middleton11
- Kimberly10
- Payette10
- Emmett8
- Kamiah8
- Weiser8
- Burley7
- Cascade6
- Jerome6
- Garden Valley5
- Fruitland4
- Rupert4
- Wendell4
- Gooding3
Run your numbers
The cost of waiting in Filer.
A 7.2% new loan against an assumable one at 4.94%, same balance, 30 years.
You keep every month
$781/mo
Over a year$9,367
Monthly payment, side by side
7.2% vs 4.94%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Filer
Numbers below come from current Filer inventory and update as listings change.
- How many assumable homes are for sale in Filer?
- As of August 2026, UMe tracks 2 active assumable listings in Filer. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Filer?
- Current Filer inventory breaks down as VA (2, median 4.94%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Filer right now?
- The lowest rate on an active Filer assumable listing is 3.38%, and the median across all 2 listings is 4.94%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Filer?
- Across current Filer listings, the median principal-and-interest payment on the assumable loan is $1,661 per month versus $2,224 for the same balance at today's rates, a difference of about $564 every month, or $6,765 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Filer?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Filer that gap is currently a median of $413,533 on a median list price of $670,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Filer ZIP codes have the most assumable homes?
- The Filer ZIP codes with the most active assumable listings are 83328 (2). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Filer?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Filer.
Every listing on the map has a rate you can take over. Start with the ones in Idaho, or list your own low-rate loan and let buyers come to you.
