VA
Active
45$516,000$193,597 down
- Rate
- 2.81%
7.28%today- Payment
- $1,511/mo
$2,513today
- 4beds
- 3baths
- 3,296sqft
Washington · Statewide
Assumable homes for salein Washington.
10 homes in Washington carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Washington assumable market
by the numbers.
10active assumable listings
2.80%lowest locked rate
$332kmedian list price
$98saved per month vs. 7.2%
Across Washington
Assumable homesby Washington city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Washington on the mapAbout the market
Assumable mortgagesin Washington, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Washington. Updated October 2026.
How assumptions work for buyersWashington has 10 homes for sale with an assumable mortgage as of October 2026: 6 FHA loans and 4 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 Washington assumable listings start at 2.80% with a median of 6.40%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Washington lists for $332,000, with a median of $106,220 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 $1,710 a month versus $1,808 for the same balance at today's rate, roughly $98 kept every month and $1,176 a year. The deepest Washington inventory is in Clarkston (10).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Washington assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Washington
View all 10 on the map Homes on the marketacross Washington.
FHA
Active
44$519,900$197,564 down
- Rate
- 2.87%
7.28%today- Payment
- $1,503/mo
$2,481today
- 4beds
- 3baths
- 2,609sqft
421 Park Drive, Lewiston
VA
Active
36$574,000$173,114 down
- Rate
- 2.95%
7.28%today- Payment
- $1,895/mo
$3,095today
- 4beds
- 3baths
- 2,600sqft
622 Indian Hills Dr, Moscow
FHA
Active
34$380,000$131,996 down
- Rate
- 2.95%
7.28%today- Payment
- $1,172/mo
$1,915today
- 4beds
- 2baths
- 1,646sqft
1527 20th Ave, Lewiston
VA
Active
24$289,000$114,981 down
- Rate
- 2.98%
7.28%today- Payment
- $823/mo
$1,340today
- 2beds
- 2baths
- 1,386sqft
1039 15th St, Clarkston
FHA
Active
37$360,000$201,158 down
- Rate
- 2.80%
7.28%today- Payment
- $753/mo
$1,253today
- 3beds
- 2baths
- 2,208sqft
1514 7th Street, Clarkston
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.
Inventory snapshot
What’s in the mixin Washington.
Live counts from the MLS feeds we index for Washington. Updated October 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 6.40%
- Median list price
- $332,000
- Median cash to assume
- $106,220
Washington listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up6 homes
Washington listings by loan type
- FHA6 homesmedian 6.43%
- VA4 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Washington numbers
What an assumable ratedoes to a Washington payment.
The sliders start at the median Washington assumable listing: $332,000 list price and a 6.40% 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.
Cash to assume (seller’s equity)$105,000
32% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Washington
$1,482/mo
New loan at 7.20%$1,527
Assumed at 6.40%
$1,482
Every month$45
Over five years$2,723
Interest you never pay$87,47126-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Washington listing on UMe shows the actual balance, rate, and payment.
How it works in Washington
How to assumea mortgage in Washington.
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 Washington home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Washington 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 $106,220 in Washington 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 Washington payment written in a different decade.
Washington questions
Assuming a mortgagein Washington.
The numbers below come from current Washington inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Washington?
As of October 2026, UMe tracks 10 active assumable listings in Washington. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Washington?
Current Washington inventory breaks down as FHA (6, median 6.43%) and VA (4, median 5.22%). 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 Washington?
The lowest rate on an active Washington assumable listing is 2.80%, and the median across all 10 listings is 6.40%. 3 listings are under 4% and 4 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 Washington?
Across current Washington listings, the median principal-and-interest payment on the assumable loan is $1,710 per month versus $1,808 for the same balance at today's rates, a difference of about $98 every month, or $1,176 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 Washington?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Washington that gap is currently a median of $106,220 on a median list price of $332,000. 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 Washington cities have the most assumable homes?
The deepest assumable inventory in Washington is in Clarkston (10). Each city has its own page with live counts, rates, and neighborhoods, and the Washington map lets you search the whole state at once.
How long does a mortgage assumption take in Washington?
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.
Ready when you are
Stop overpaying for Washington.The rate is already on the house.
Every listing on the Washington map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
