The assumable mortgage marketplace
Buy the house.
Keep the 3% loan.
Free for sellers and buyers. listmyrate is not a lender or a broker.
Sellers with low-rate FHA, VA, and USDA mortgages list them here. You assume the loan, finance the equity gap with a second lien, and step into a payment today's rates can't touch.
- 3.25%
- Typical assumed loan rate, per seller
- 4.56%
- Blended example
- $433
- Monthly savings
Example · $500,000 home
Rate locked in 2021Assumed FHA loan
$300,000 at 3.25% assumed loan rate, per seller
$1,392/mo
Gap financing · 2nd lien
$182,500 at 9.50%
$1,535/mo
Taxes & insurance
From the seller's current payment
$958/mo
Blended rate
6.11%
Market rate
7.18%
Estimated monthly savings
vs. 30-yr market loan
$342
/mo · $4,104 a year
Estimates as of November 11, 2026. Not an offer. Rates shown are the assumed loan rate, per seller. Assumption requires servicer underwriting and second-lien approval.
This is the rate on the seller's existing loan. listmyrate does not offer, quote, or negotiate mortgage rates.
Live inventory
Homes with assumable loans
Every listing shows the real balance, the original rate, and the blended rate you'd pay after gap financing.
The mechanics
Three sources of capital, one lower payment
01
Assume the first loan
You take over the seller's FHA, VA, or USDA mortgage at its original rate, subject to the servicer's underwriting approval.
02
Finance the equity gap
The difference between the loan balance and your purchase price is covered by a second lien, priced at today's rates.
03
Blend the two
Your effective rate becomes the balance-weighted average across both loans, typically 200 to 350 bps below the market.
blended rate = [ (loan₁ × rate₁) + (loan₂ × rate₂) ] ÷ (loan₁ + loan₂)
Trust & compliance
Compliance isn't a footer.
Assumption sits at the intersection of lending, fair housing, and personal data. The guardrails are built into the listing flow, not bolted on after.
Fair Housing review
Every listing description is screened for discriminatory language before it can publish.
TILA & RESPA disclosures
Estimates are labeled as estimates. Assumption and second liens require servicer underwriting and approval.
Seller consent first
Servicer and loan details move only with the seller's authorization, and only after mutual interest.
Private by default
Loan files, credit bands, and buyer contact details stay scoped to the parties in the transaction.
Selling a home with a 3% loan?
That rate is the most valuable thing you own. List the loan alongside the house and reach buyers who are priced out of today's market.