Lower monthly payment
A below-market rate can dramatically change what the same home costs each month.
Assume the loan. Keep the rate.
The home you want.The rate they already have.
MyAssumable gives buyers and sellers a guided path through FHA and VA mortgage assumptions—from the first numbers to servicer approval and closing.
$700 more only after the servicer approves the assumption.
Secure document portal Real transaction manager Flat-fee service
The seller’s rate
2.875%
Example payment edge
Assumed loan
2.875%
New financing
6.75%
Illustrative monthly difference
$1,186 less P&I / month
Illustrative example only. Actual payments and eligibility vary.
FHA & VA focused
Built around assumable government-backed loans.
One secure file
Information, documents, and milestones stay organized.
Human-managed
A transaction manager helps push the process forward.
Simple, milestone-based pricing
Start for $299.
Pay the balance after approval.
The activation fee gets your file opened, reviewed, and moving. The remaining $700 is due only after the existing servicer approves the assumption.
Per participating party
$999
total service fee
Due at activation
$299
Nonrefundable activation fee for onboarding, initial review, file setup, and early coordination.
Due after approval
$700
Collected only after the servicer approves the mortgage assumption.
Start with the most important number
Can you cover the equity gap?
With an assumption, you take over the seller’s remaining loan—not the entire purchase price. The difference usually needs to be brought to closing or covered through an approved financing strategy.
This estimates the equity gap only. Closing costs, credits, prorations, and the servicer’s final payoff can change your actual cash to close.
Estimated equity gap
$—
Enter both amounts to see the estimated difference.
A different kind of leverage
A low-rate mortgage can be worth more than a price reduction.
When a loan is assumable, the buyer may be able to take over the seller’s existing balance and interest rate. MyAssumable makes the complicated part feel clear, trackable, and manageable.
A stronger listing story
Sellers can market a real financial advantage that competing homes may not have.
Less process chaos
One intake, one document center, and one team managing the assumption milestones.
For buyers
Buy the home.
Keep the better rate.
Stop looking only at list price. An assumable mortgage can change the payment—and the opportunity.
- Keep the seller’s existing interest rate
- See the equity gap before you commit
- Get one checklist for every required document
- Have a transaction manager push the file forward
For sellers
Your mortgage may be your best amenity.
If your rate is far below today’s alternatives, make it part of the reason a buyer chooses your home.
- Turn your low rate into a powerful selling advantage
- Reach payment-conscious buyers
- Make your home stand out without another price cut
- Keep the assumption organized through closing
How it works
One path.
No guessing.
Mortgage assumptions move on the servicer’s timeline. We make sure the people, paperwork, and follow-up are ready to move with it.
01
Verify the opportunity
We review the loan, estimated balance, rate, equity gap, and transaction structure.
02
Build one clean file
Buyer, seller, asset, income, and property documents come together in one secure workspace.
03
Manage the servicer
Your transaction manager tracks milestones, requests, signatures, and follow-ups.
04
Move to closing
Once the servicer approves the assumption, we help keep the final steps coordinated.
A smarter path to the same front door
The rate doesn’t have to stay behind.
Open your file for $299. The remaining $700 is due only after the existing servicer approves the mortgage assumption.