Cody Ramirez

Cody Ramirez

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Rates as low as 2%

Find your dream home with an assumable mortgage

Over 5,000 Assumable Properties
20+ Cities
200+ Agents

Latest Verified Properties

All these listings have been verified
Assumable mortgage in CO, 5551 Runge Court, Timnath, CO 80547
Active
certified-badge
4.75% Rate 7.52%
5551 Runge Court
$2,347 /mo
$3,153 /mo
$599,900($156,253 down)VA
PITI Monthly
$2,514.66 /mo
City, State
Timnath, CO
Bedrooms4
Bathrooms3
LivingArea2,897 sqft
Assumable mortgage in AZ, 10317 W DESERT FOREST Circle, Sun City, AZ 85351
Active
certified-badge
2.96% Rate 7.52%
10317 W DESERT FOREST Circle
$1,173 /mo
$1,960 /mo
$279,000($18,509 down)VA
PITI Monthly
$1,401.36 /mo
City, State
Sun City, AZ
Bedrooms2
Bathrooms2
LivingArea1,683 sqft
Assumable mortgage in AZ, 8004 N 32ND Drive UNIT 1, Phoenix, AZ 85051
Active
certified-badge
4.875% Rate 7.52%
8004 N 32ND Drive
$1,061 /mo
$1,405 /mo
$210,000($14,889 down)VA
PITI Monthly
$1,235.85 /mo
City, State
Phoenix, AZ
Bedrooms1
Bathrooms1
LivingArea687 sqft
Assumable mortgage in AZ, 526 N HOBSON Plaza, Mesa, AZ 85203
Active
certified-badge
4.05% Rate 7.52%
526 N HOBSON Plaza
$613 /mo
$894 /mo
$309,000($199,508 down)FHA
PITI Monthly
$901.58 /mo
City, State
Mesa, AZ
Bedrooms3
Bathrooms2
LivingArea1,782 sqft
What is assumable?

What is an assumable mortgage

An assumable mortgage allows a homebuyer to take over the seller's current loan, locking in lower interest rates and saving on closing costs.

At UME Realty Group, assuming a mortgage is straightforward and secure. With over 5,000 certified properties across 20+ cities and a network of 200+ trusted agents, we connect buyers, sellers, and realtors to simplify the process of assuming mortgages.

Explore our listings, discover the advantages of assumable mortgages and join us in reshaping the home buying and selling experience today.

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Assume a Loan

Discover your dream home on our website and seamlessly assume the existing loan for a smooth transition.

Find a Home
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Apply to Assume

Explore our financing options for assumable homes, making your dream property more accessible.

Loan Options
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Learn More

Learn how loan assumptions work, guided by our certified agents for the best support.

Learn More

How it works with UMe

1

Find homes you're interested in

Search through thousands of properties and inquire to the ones you're most interested in.

Explore all listings
2

Get pre-screened to assume

UMe qualifies you to make sure you're eligible to assume with a low rate, hassle-free.

Apply to assume
3

Close on your dream home

UMe collects 1% of the purchase price and works with all parties for a stress-free experience.

Learn how it works

Assuming a loan is a win-win for everyone

Mortgage assumptions can significantly lower a buyer's monthly payments, have lower interest rates, and offer savings on closing costs.

Learn more about buying

For sellers, mortgage assumptions open the door to a larger pool of qualified buyers. Many times this results in higher sales prices.

Learn more about selling

Realtors can grow their business with assumptions by offering the ultimate win-win proposition for both buyers and sellers.

Learn more and grow
FEEL FREE TO CONTACT US
Do You Have Any Questions?
Check out this FAQ to get more information
All VA and FHA loans are assumable per the US Government. Technically other loans could also be assumable but most conventional loans have a Due on Sale clause. Simply put, this means if you sell the home, the lender has the right to be paid back.
If an assumable loan has a rate well below current mortgage rates, it is highly coveted. Buyers are able to take over that rate and payment. There is value in having a lower monthly mortgage payment.
The down payment needed is the difference between the sales price and the amount owed on the assumable loan. This varies with each home. In some cases, we have seen homes with ZERO down payment needed.
UMe has lender partners that are able to help finance part of the down payment needed. There are also other creative financing options available to buyers and sellers.
Once the buyer has assumed your loan, you are no longer responsible and have no liability for it.
The short answer is no. You have not lost your entitlement. VA phrases it as encumbered. Once the loan is either refinanced or paid off, your entitlement is fully restored. Until that time, you may still have bonus entitlement and the ability to get another VA loan. Call us for details.
Of course. Our business model is built around educating agents and arming them with all the tools they need to help buyers and sellers take advantage of this true win-win.
The buyer paid fee of 1% of the purchase price is paid upon a successful closing and through the transaction closing costs. This assures everyone a stress-free experience.
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