Assumable FHA Mortgages for Home Sellers and Buyers

Buying or selling a home with an assumable FHA Mortgage? Our expert team can help you navigate the process.

What’s an Assumable FHA Mortgage?

If you’re buying a house with an assumable FHA mortgage, you have the opportunity to take over the seller’s existing loan, meaning you’ll get the benefit of lower interest rates and reduced closing costs.

FHA loans are meant to help a wide range of homebuyers, even those with lower credit scores or smaller down payments. And with an assumable FHA loan, the new buyer doesn’t necessarily need to meet the original loan requirements. They just need to show they can handle the mortgage.

That’s where we come in. If you’re curious about how assuming an FHA mortgage works — whether you’re a buyer, seller, or real estate agent — Assumption Solutions is here to help. Get in touch with our expert team to learn more and start your journey today.

How We Help Buyers

Buying a home and navigating the FHA assumable mortgage process can be overwhelming. Don’t worry; we’re here to make lower interest rates possible for every homebuyer. At Assumption Solutions, we’re dedicated to helping you get the best deal on your new home while assuming an FHA loan. 


From understanding eligibility requirements to securing lower interest rates and even reducing your closing costs, our expert team is here to assist. We’ll guide you through understanding the necessary documentation, filing your paperwork, and processing the assumable FHA loan on your new home. 


Ready to take the next step? We are, too. Contact us now to explore your options and see if you’re pre-qualified to assume an FHA loan.

How We Help Sellers

Selling a home with an FHA assumable mortgage can be tricky, but Assumption Solutions is here to smooth out the process. Maximize the value of your home by completing a successful FHA loan assumption with a qualified buyer.


Assumption Solutions can help you determine if your FHA loan is assumable, provide advice on whether or not it makes sense for your buyer to take on the loan, and even assist your selling team with marketing materials about assumable mortgages.


Focus on your next steps while we handle the details of the loan process. Ready to sell? Get started with your loan assumption file now.

Our Easy Loan Assumption Process


Get in touch with our friendly team.


We complete the assumption process while answering questions along the way.


Congrats! Your loan has been transferred.

Why Choose Assumption Solutions

With our extensive experience working with assumable FHA mortgages, we’re committed to providing outstanding service to buyers, sellers, and real estate agents alike. Wherever you are in your real estate journey, we’re here to help. Have questions or concerns? Reach out to us today to get started on your assumable FHA loan.

Frequently Asked Questions

How does the assumable fha mortgage process work?
The assumable FHA mortgage process allows a buyer to take over a seller’s existing FHA loan. Essentially, the buyer assumes responsibility for the remainder of the mortgage and its terms, including the interest rate and loan balance.
For buyers, assumable FHA mortgages often offer reduced closing costs and the opportunity to inherit a loan with more favorable terms — like lower interest rates. Sellers can benefit by attracting more buyers, expediting the sale, and often acquiring a higher sale price.
The timeline for completing the assumable FHA mortgage process can vary, depending on things like lender processing times and FHA approval. Assumption Solutions works to expedite the process, all while ensuring accuracy and compliance.

Start Your Assumable FHA Mortgage Today

Navigate the loan process with confidence. Whether you’re seeking lower interest rates, want to make your home more attractive to buyers, or just learn more about assumable loans, Assumption Solutions’ trusted experts are here to help. Contact us today to get started!