What is An Assumable Mortgage? An assumable mortgage allows the buyer to purchase a home by taking over the seller’s loan. VA, FHA, and USDA mortgages are assumable, and anyone can assume these loans. For VA assumptions, the buyer is not required to have VA eligibility. Lower Monthly Payment Interest rates on assumable loans are often 2-4% lower than new loans, potentially saving you 20-40% on your monthly payment. Reduced Closing Costs Since you’re not originating a new loan, assumable loans ha
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