Cross-referenced with County Recorder mortgage deeds, Freddie Mac PMMS historical rates, and federal HUD (FHA), VA & USDA loan assumption rules.
Browse active sub-4% assumable homes across all 50 states, calculate equity gaps, and collaborate with co-buyers for $0.
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Important Financial & Mortgage Disclaimer: RateTakeover.com is an independent real estate data and mathematical modeling platform and is not a mortgage lender, mortgage broker, loan servicer, real estate brokerage, or financial advisor (nor does it make credit decisions or issue loan commitments). All assumable loan balances, interest rates, remaining loan terms, blended rates, second-position loan payments, property taxes, homeowners insurance, and monthly payment figures are illustrative mathematical estimates only derived from public county recorder Deed of Trust filings and regional tax/insurance averages.
Actual mortgage payoff balances, assumption eligibility, credit and DTI underwriting requirements, servicing transfer fees, and seller release of liability (including VA entitlement substitution) must be verified directly with the seller's current mortgage servicer under applicable FHA (HUD), VA, or USDA guidelines. Second-position financing rates and terms are subject to formal application, credit approval, and LTV/CLTV limits from independent NMLS-licensed lenders. By using this site, you agree to our and .