Over 5,000 successful assumptions

Find assumable mortgages at 2 to 4% rates.

Why buyers and agents use UMe

Happy couple with keys to their new home

What is an assumable mortgage?

An assumable mortgage allows a buyer to take over the seller's existing home loan—including the same interest rate, repayment terms, and current balance. In today's market, this means you could secure a rate significantly lower than current market trends.

  • Lock-in legacy rates

    Keep the ultra-low rates from years ago.

  • Lower closing costs

    Reduce traditional loan origination fees.

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

Featured assumable opportunities

Certified listings from our marketplace — compared to financing at 6.23%.

View all listings

The mathematics of luxury

Understanding the generational wealth advantage of securing historically low interest rates in today's market.

Interest rate comparison

Current market rate6.23%
UMe assumable rate2.75%

$1,240+

Average monthly savings

$440k+

Lifetime interest savings

Financial advantages

Equity preservation

More of your monthly payment goes toward the principal balance from day one.

Buying power boost

A lower interest rate significantly increases the home price you can afford for the same monthly budget.

Reduced closing costs

Eliminate traditional loan origination fees and expensive mortgage insurance requirements.

What our clients say

Real reviews from buyers, sellers, and agents who worked with UMe on assumable mortgages.

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

Why choose UMe

We bring transparency and expertise to the most advantageous way to buy a home today.

Expert guidance

Our specialized consultants navigate the complex lender requirements for you, ensuring a seamless assumption.

Lower interest rates

Access historical rates as low as 2.5%, potentially saving you thousands of dollars in monthly interest payments.

Secure process

Every listing and loan is pre-vetted by our legal and financial team to ensure full compliance and security.

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assumable homes today.

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