Assumable Loans & Creative Structures
Your 3% Mortgage Might Be Worth
More Than You Think.
In a 7% world, a 3% payment is an asset — one that can transfer with your home to the right buyer.
If you have an FHA or VA loan under 5%, there’s a good chance a qualified buyer can assume it at your original rate. In today’s market, that’s a major advantage — and one that can earn you a noticeably stronger price on your home.
Conventional and other loan types generally can’t be assumed the same way, but they can often be structured with seller financing or a wrap-around mortgage to reach the same goal: a qualified buyer, a great payment, and your price.
FHA Loans
Fully assumable, with lender approval.
A buyer who qualifies with your lender takes over your payment at your rate. Troy walks you through the process, the timeline, and what to expect.
VA Loans
Assumable — with important entitlement notes.
VA sellers should understand the entitlement implications of an assumption — especially if you plan to buy again with a VA loan. Troy explains this up front, not after the fact.
Conventional
Seller financing or a wrap.
Not assumable in the traditional sense, but a wrap-around or seller-financed structure can achieve a similar result — with the same transparency about risks like the due-on-sale clause.
What You Get
A price premium the market rewards.
A low-rate loan attached to your home is a real, quantifiable benefit to buyers — and it belongs in your sale price. Let’s put a number on it.
Free Loan Review
Let's look at your loan.
Share your loan type and current rate. Troy will tell you honestly whether it's assumable, what a wrap could look like, and what a stronger price could mean for you.