About VAssumable
A marketplace and reference library for VA assumable mortgages, built so that a below-market loan can pass to the next family instead of back to the bank.
Why we exist
Millions of homeowners hold VA loans carrying interest rates that today's market does not offer. When those homes sell, the standard process forces the buyer into a new loan at the current rate, and the old low rate simply disappears. VA loans were designed to be assumable, and that path stays unused mostly because it is invisible: assumable status is a property of the loan, and loan data is not part of listing data. VAssumable exists to close that gap on both sides of the transaction.
What VAssumable is, and what it is not
VAssumable is not a lender, a mortgage broker, a servicer, a real estate brokerage, or a law firm. We do not originate loans, approve assumptions, set interest rates, or charge fees on a mortgage.
Every VA loan assumption is approved by the servicer that already holds the loan, and in many cases by the VA. That is true regardless of where the listing was found. Nothing on this site substitutes for advice from a licensed professional about a specific transaction.
What we do
- Verify participants. Buyers complete identity verification and can upload VA entitlement, pre-approval, and proof of funds, so sellers can see who they are talking to before sharing details of their loan.
- Keep the record. In-platform messaging, document requests with role-based visibility, inspection scheduling, and a transaction workflow, so an assumption that runs for months does not depend on remembering who sent what.
- Explain the process. The Learn library covers 24 topics across eligibility, entitlement, approval, costs, and timelines, plus a full walkthrough of how assumptions work and a savings calculator.
How we research and write
Articles are written and maintained by the VAssumable Editorial Team and checked against publicly available program documentation rather than secondary coverage. Where a figure comes from a federal program, we link the program rather than restating a number that will drift.
Primary sources we rely on: the VA home loan program, VA lender and servicer guidance, the Consumer Financial Protection Bureau, HUD and FHA program materials, and USDA Rural Development for the non-VA programs the library covers.
Where we deliberately avoid precision. Fee amounts, credit thresholds, and processing timelines vary by servicer and change without notice. We describe how those things work and what drives them rather than publishing a specific figure that would be wrong within a year. Every article carries its publication and last reviewed date so readers can judge for themselves.
Educational, not advice. The library describes how assumptions generally work. It does not tell readers what they should do, does not recommend lenders or products, and is not financial, legal, or lending advice.
Corrections
Mortgage rules change and we get things wrong. If you find an error, an outdated fact, or a claim that does not match what a servicer told you, send it to the address below with the page and what you believe is incorrect. We correct the article, bump its last reviewed date, and the change flows into the structured data and sitemap automatically. Substantive corrections are made in place rather than quietly deleted.
Contact
For corrections, please include the article URL and the specific claim in question.