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Didn't get a low rate in 2021?
Shop homes with assumable rates as low as 3%
An assumable mortgage is a type of loan that can be transferred to a buyer at the seller's existing interest rate.
Roots will help you find and buy one so you can save big on your monthly payment.
Trusted by happy homeowners
“Saved $800/month with a 2.75% rate assumption!”
— Sarah M.
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The most-viewed assumable mortgage listings this week. Low rates, great locations — see what everyone is looking at.
Know your numbers before you shop. Complete your assumability profile to unlock personalized home recommendations within your budget and see exactly what you can afford with an assumable mortgage.
Save a lot of time by getting your buying power instantly and start shopping smarter.
Find your assumability
Complete the assumability flow to see what range you should be searching in.
Monthly
Down Payment
Buying Power
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Create an account and complete the assumability flow.
See your numbers
Get your estimated monthly payment and buying power.
Shop for homes
Shop for homes within your assumability range.
*This is an estimate only and does not constitute pre-approval. Actual qualification depends on credit history, employment verification, and lender requirements.
Homes with low rates come in all shapes and sizes. Did you know that a $600,000 home at a 3% rate would be around the same monthly payment as a $380,000 home at a 7% rate? Get more for your money when buying with Roots.
*Savings, rates, payments, and downpayments are estimates; specific figures may vary.
Check Your Assumability
San Diego, CA
$3,200/mo
$725,000
|Down: $36,250
Sacramento, CA
$2,850/mo
$620,000
|Down: $31,000
Fresno, CA
$2,450/mo
$520,000
|Down: $26,000
“The team at Roots is hands down the most knowledgeable and professional group we've ever worked with. They guided us seamlessly through every step.”
Sarah M.
Homebuyer • Las Vegas, NV
Locked in at 2.500%
See how much this client is saving every month compared to the market rate.
Joseph wanted a house, but borrowing money today costs 6.5%.
He found a house with a 3% rate. Instead of a new loan, he just swapped names with the seller and took over their remaining payments.
By assuming the loan, Joseph bypassed the 2024 bank prices entirely. He secured a 3% rate and saved $1,000+ every single month.
Roots did the impossible for our family! Roots helped us assume a home with a 3% interest rate!!!
Joseph, New Homeowner
Total Interest Saved Over 27 Years
Bring less cash to closing by financing part of the down payment. Slide to see how it affects your monthly payment — you're in control.
Down Payment
$30KMonthly Payment
$2,734Personalize your payment
Less down
More down
Purchase Price
$575,000Assumed Loan
$470,000Rate
3.5%Monthly
$2,734Monthly
Savings
Loan Amount
$75,000Rate
7%Loan Term
Interest OnlyDownpayment
$30,000Browse homes with assumable mortgages at rates as low as 2.5%. Filter by rate, price, and location.
Go through our quick online process to see if you're a good fit for the program before applying with the lender.
Take over the seller’s existing mortgage with their original terms. Start saving hundreds per month immediately.
Start browsing homes with assumable mortgages and save thousands on your next purchase.
Browse ListingsRoots is the marketplace for assumable mortgages. We connect homebuyers with sellers who have locked-in low interest rates from 2020-2022, helping you save hundreds of thousands over the life of your loan.
Avg. Savings
Avg. Rate
A 620+ credit score and steady income is often enough. Roots helps you prepare.
In many cases, minimal upfront cash is needed. Roots can help you.
By passing significant savings onto the buyer, sellers can ask for more.
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