Buying
The Best Ways to Find an Assumable Mortgage in 2026
By David Golovin · August 12, 2026 · 3 min read
Millions of homes have a mortgage under 4% you can take over. Finding them is the hard part. Here is every option.
Roam went quiet
Roam was one of the sites that showed homes with assumable mortgages. This summer its home search disappeared, and buyers report unanswered calls. No official word, but you cannot shop there today.
Source: r/Mortgages, Is Roam out of business?
The subscription tools
AssumeList and Assumable.io charge a monthly fee to search.
The big portals
Zillow’s own advice is to type ASSUM into the keyword filter. No rate, no balance, no downpayment, and most assumable homes never get flagged.
Source: Zillow, What Is an Assumable Mortgage?
Roots
Free to search. Live MLS listings with the rate, downpayment, and monthly payment shown up front, including $0-down options. And we coordinate the assumption to close, about 43 days on average.
| Roots | Roam | Subscription lists | Big portals | |
|---|---|---|---|---|
| Cost to search | Free | Offline | Subscription | Free |
| Live MLS listings | Yes | Offline | Partial | Yes |
| Rate shown on listings | Yes | Offline | Estimated | No |
| Downpayment shown | Yes | Offline | Varies | No |
| Estimated rate and downpayment shown | Yes | Offline | Varies | No |
| Coordinates your assumption | Yes | Offline | No | No |
FAQ
What happened to Roam?
Roam has not made an official announcement, but as of August 2026 its home search is gone from its website, which now shows a single company page. Buyers have publicly reported that listings are down and calls are going unanswered. Roots is actively helping buyers who were shopping on Roam.
Do I have to pay to search for assumable homes?
Not on Roots. Searching listings, filtering by rate, and viewing downpayment estimates on roots.homes is free. Some other tools, like AssumeList and Assumable.io, charge a subscription fee to search.
How is Roots different?
Roots is a licensed real estate brokerage with a full home search. We list homes for sale, including assumable listings, show the rate, estimated downpayment, and estimated monthly payment on assumable listings for free, and coordinate the assumption through closing. Our assumption closings average about 43 days.