Las Vegas, Nevada
Assumable homes for salein Las Vegas, Nevada.
1,048 homes in Las Vegas carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Las Vegas assumable market
by the numbers.
Assumable mortgagesin Las Vegas, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Nevada, filtered to Las Vegas. Updated October 2026.
How assumptions work for buyersLas Vegas, Nevada has 1,048 homes for sale with an assumable mortgage as of October 2026: 684 FHA loans and 364 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Las Vegas assumable listings start at 2.00% with a median of 5.19%; 422 listings are under 4% and 503 are under 5%.
The median assumable home in Las Vegas lists for $425,000, with a median of $126,613 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,641 a month versus $2,270 for the same balance at today's rate, roughly $629 kept every month and $7,548 a year. The most active Las Vegas ZIP codes are 89122 (80), 89166 (70), 89149 (57), 89131 (45), and 89121 (42).
1 listing in Las Vegas is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Las Vegas assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketin Las Vegas.
No verified listings in Las Vegas yet.
New assumable listings land every week across Nevada. Search the full map, or save a Las Vegas search and we’ll email you the moment one appears.
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
What’s in the mixin Las Vegas.
Live counts from the MLS feeds we index for Nevada. Updated October 2026.
- Active listings
- 1,048
- UMe Certified / verified
- 1
- Lowest rate
- 2.00%
- Median rate
- 5.19%
- Median list price
- $425,000
- Median cash to assume
- $126,613
Las Vegas listings by locked rate
- Under 4%422 homes
- 4% – 5%81 homes
- 5% – 6%87 homes
- 6% and up448 homes
Las Vegas listings by loan type
- FHA684 homesmedian 5.41%
- VA364 homesmedian 4.15%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Assumable homesby Las Vegas ZIP code.
Each ZIP opens the Las Vegas map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 89122
80 assumable homes
median 5.10% · $346,250
- 89166
70 assumable homes
median 6.17% · $512,495
- 89149
57 assumable homes
median 3.77% · $410,000
- 89131
45 assumable homes
median 4.42% · $549,000
- 89121
42 assumable homes
median 5.00% · $349,500
- 89141
41 assumable homes
median 6.09% · $499,900
- 89108
40 assumable homes
median 4.17% · $352,500
- 89129
39 assumable homes
median 4.12% · $462,000
What an assumable ratedoes to a Las Vegas payment.
The sliders start at the median Las Vegas assumable listing: $425,000 list price and a 5.19% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
29% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Las Vegas listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Las Vegas.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Las Vegas home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Las Vegas map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $126,613 in Las Vegas today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Las Vegas payment written in a different decade.
Assuming a mortgagein Las Vegas.
The numbers below come from current Las Vegas inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Las Vegas?
As of October 2026, UMe tracks 1,048 active assumable listings in Las Vegas. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Las Vegas?
Current Las Vegas inventory breaks down as FHA (684, median 5.41%) and VA (364, median 4.15%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Las Vegas?
The lowest rate on an active Las Vegas assumable listing is 2.00%, and the median across all 1,048 listings is 5.19%. 422 listings are under 4% and 503 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Las Vegas?
Across current Las Vegas listings, the median principal-and-interest payment on the assumable loan is $1,641 per month versus $2,270 for the same balance at today's rates, a difference of about $629 every month, or $7,548 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Las Vegas?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Las Vegas that gap is currently a median of $126,613 on a median list price of $425,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Las Vegas ZIP codes have the most assumable homes?
The Las Vegas ZIP codes with the most active assumable listings are 89122 (80), 89166 (70), 89149 (57), 89131 (45), and 89121 (42). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Las Vegas?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Stop overpaying for Las Vegas.The rate is already on the house.
Every listing on the Las Vegas map has a rate you can take over. Start with the ones in Las Vegas, get pre-qualified in minutes, and let UMe carry the assumption to closing.
