2.98% FHA
$218,400
$1,290/mo
2309 Carter Ct
Caldwell, ID
3 bd2 ba1,211 sqft
Middleton, Idaho
Keep the rate.
Buy the home in Middleton.
11 assumable homes for sale in Middleton, with locked rates from 3.07%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.22%
vs 7.2% market
$565/mo saved
Median locked rate
5.22%
Across 11 assumable listings
Typical monthly savings
$565
On a $540,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Middleton
Homes with a rate worth keeping
2.77% VA
$705,000
$2,862/mo
12291 Essex Way
Nampa, ID
5 bd4 ba3,597 sqft
2.84% FHA
$459,000
$1,743/mo
11761 Tidewater St
Caldwell, ID
4 bd3 ba2,609 sqft
3.07% FHA
$419,900
$1,656/mo
1428 Gold St
Middleton, ID
3 bd2 ba1,694 sqft
3.10% FHA
$334,900
$1,312/mo
1405 La Cresta Ave
Caldwell, ID
3 bd2 ba1,243 sqft
3.22% VA
$385,000
$1,618/mo
12786 Carkhill St
Caldwell, ID
3 bd2 ba1,364 sqft
Inventory snapshot
What’s assumable in Middleton right now
Live counts from the MLS feeds we index for Idaho. Updated September 2026.
- Active listings
- 11
- Certified / verified
- 0
- Lowest rate
- 3.07%
- Median rate
- 5.22%
- Median list price
- $540,000
- Median cash to assume
- $124,447
Listings by locked rate
- Under 4%1 home
- 4% – 5%4 homes
- 5% – 6%2 homes
- 6% and up4 homes
Listings by loan type
- VA6 homesmedian 4.95%
- FHA5 homesmedian 5.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Middleton ZIP code
Nearby markets
More assumable homes in Idaho
- Nampa70
- Boise68
- Meridian55
- Twin Falls40
- Caldwell38
- Mountain Home36
- Kuna23
- Lewiston23
- Eagle15
- Star14
- Kimberly10
- Payette10
- Emmett8
- Kamiah8
- Weiser8
- Burley7
- Cascade6
- Jerome6
- Garden Valley5
- Fruitland4
- Rupert4
- Wendell4
- Gooding3
- Aberdeen
Run your numbers
The cost of waiting in Middleton.
A 7.2% new loan against an assumable one at 5.22%, same balance, 30 years.
You keep every month
$555/mo
Over a year$6,658
Monthly payment, side by side
7.2% vs 5.22%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Middleton
Numbers below come from current Middleton inventory and update as listings change.
- How many assumable homes are for sale in Middleton?
- As of September 2026, UMe tracks 11 active assumable listings in Middleton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Middleton?
- Current Middleton inventory breaks down as VA (6, median 4.95%) and FHA (5, median 5.27%). 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 Middleton right now?
- The lowest rate on an active Middleton assumable listing is 3.07%, and the median across all 11 listings is 5.22%. 1 listing is under 4% and 5 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 Middleton?
- Across current Middleton listings, the median principal-and-interest payment on the assumable loan is $2,439 per month versus $3,004 for the same balance at today's rates, a difference of about $565 every month, or $6,780 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 Middleton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Middleton that gap is currently a median of $124,447 on a median list price of $540,000. 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 Middleton ZIP codes have the most assumable homes?
- The Middleton ZIP codes with the most active assumable listings are 83644 (11). 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 Middleton?
- 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 Middleton.
Every listing on the map has a rate you can take over. Start with the ones in Idaho, or list your own low-rate loan and let buyers come to you.
