2.75% VA
Certified
$825,000
$2,399/mo
6089 Ancient Peaks Avenue
Las Vegas, NV
5 bd4 ba4,027 sqft
Las Vegas, Nevada
Keep the rate.
Buy the home in Las Vegas.
1,075 assumable homes for sale in Las Vegas, with locked rates from 2.00%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.00%
vs 7.2% market
$617/mo saved
Median locked rate
5.00%
Across 1075 assumable listings
Typical monthly savings
$617
On a $424,990 home vs 7.2%
Certified listings
1
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Las Vegas
Homes with a rate worth keeping
2.00% VA
$221,900
$798/mo
1800 Edmond Street
Las Vegas, NV
2 bd2 ba926 sqft
3.07% FHA
$200,000
$860/mo
5250 Rainbow Boulevard
Las Vegas, NV
1 bd1 ba744 sqft
3.07% VA
$208,000
$879/mo
7948 Diamond Rock Way
Las Vegas, NV
2 bd2 ba912 sqft
3.10% FHA
$345,000
$1,504/mo
10127 Tumbling Tree Street
Las Vegas, NV
3 bd3 ba1,510 sqft
3.10% VA
$228,000
$983/mo
6800 Elm Creek Drive
Las Vegas, NV
2 bd2 ba1,137 sqft
Inventory snapshot
What’s assumable in Las Vegas right now
Live counts from the MLS feeds we index for Nevada. Updated September 2026.
- Active listings
- 1,075
- Certified / verified
- 1
- Lowest rate
- 2.00%
- Median rate
- 5.00%
- Median list price
- $424,990
- Median cash to assume
- $130,946
Listings by locked rate
- Under 4%434 homes
- 4% – 5%89 homes
- 5% – 6%90 homes
- 6% and up444 homes
Listings by loan type
- FHA667 homesmedian 5.41%
- VA408 homesmedian 4.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Las Vegas ZIP code
- 89166
78 assumable homes · median 6.30%
median $509,995
- 89122
75 assumable homes · median 4.76%
median $347,500
- 89131
60 assumable homes · median 4.38%
median $497,000
- 89149
57 assumable homes · median 4.42%
median $425,000
- 89121
48 assumable homes · median 3.70%
median $387,500
- 89129
40 assumable homes · median 3.69%
median $462,500
- 89141
40 assumable homes · median 4.65%
median $514,950
- 89183
37 assumable homes · median 4.88%
median $370,000
Nearby markets
More assumable homes in Nevada
- North Las Vegas371
- Henderson292
- Pahrump113
- Laughlin13
- Boulder City7
- Ely7
- Indian Springs7
- Mesquite7
- Logandale4
- Overton2
- Alamo1
- Cold Creek1
- Jean1
- Moapa1
- Sandy Valley1
- Tonopah1
- Amargosa Valley
- Beatty
- Blue Diamond
- Cal Nev Ari
- Caliente
- Carson City
- Dyer
- Elko
Run your numbers
The cost of waiting in Las Vegas.
A 7.2% new loan against an assumable one at 5.00%, same balance, 30 years.
You keep every month
$483/mo
Over a year$5,792
Monthly payment, side by side
7.2% vs 5.00%
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 Las Vegas
Numbers below come from current Las Vegas inventory and update as listings change.
- How many assumable homes are for sale in Las Vegas?
- As of September 2026, UMe tracks 1,075 active assumable listings in Las Vegas. 1 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Las Vegas?
- Current Las Vegas inventory breaks down as FHA (667, median 5.41%) and VA (408, median 4.00%). 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 Las Vegas right now?
- The lowest rate on an active Las Vegas assumable listing is 2.00%, and the median across all 1,075 listings is 5.00%. 434 listings are under 4% and 523 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Las Vegas?
- Across current Las Vegas listings, the median principal-and-interest payment on the assumable loan is $1,664 per month versus $2,281 for the same balance at today's rates, a difference of about $617 every month, or $7,407 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 Las Vegas?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Las Vegas that gap is currently a median of $130,946 on a median list price of $424,990. 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 Las Vegas ZIP codes have the most assumable homes?
- The Las Vegas ZIP codes with the most active assumable listings are 89166 (78), 89122 (75), 89131 (60), 89149 (57), and 89121 (48). 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 Las Vegas?
- 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 Las Vegas.
Every listing on the map has a rate you can take over. Start with the ones in Nevada, or list your own low-rate loan and let buyers come to you.
