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Assumable homes for sale in Washington

200 homesVA & FHA loansrates from 2.22% vs 7.32% today

Washington assumption guide
110 Liberty Lane, Kamiah, ID, 83536 — assumable VA mortgage at 3.10%
VA
Active
30
$455,000$78,756 equity gap
Rate
3.10%
7.32%today
Payment
$1,784/mo
$2,870today
  • 4beds
  • 3baths
  • 2,200sqft

110 Liberty Lane, Kamiah

2357 Haw Creek Blvd., Emmett, ID, 83617 — assumable VA mortgage at 2.79%
VA
Active
50
$599,900$163,258 equity gap
Rate
2.79%
7.32%today
Payment
$2,052/mo
$3,435today
  • 4beds
  • 2baths
  • 2,131sqft

2357 Haw Creek Blvd., Emmett

143 East Blvd, New Plymouth, ID, 83655 — assumable FHA mortgage at 2.84%
FHA
Active
45
$389,900$80,204 equity gap
Rate
2.84%
7.32%today
Payment
$1,440/mo
$2,394today
  • 3beds
  • 1baths
  • 1,943sqft

143 East Blvd, New Plymouth

1408 Idaho Avenue, Libby, MT, 59923 — assumable FHA mortgage at 2.86%
FHA
Active
32
$350,000$79,463 equity gap
Rate
2.86%
7.32%today
Payment
$1,260/mo
$2,091today
  • 4beds
  • 2baths
  • 1,822sqft

1408 Idaho Avenue, Libby

306 Rio Vista Blvd, McCall, ID, 83638 — assumable VA mortgage at 2.88%
VA
Active
39
$745,000$207,911 equity gap
Rate
2.88%
7.32%today
Payment
$2,491/mo
$4,122today
  • 3beds
  • 2baths
  • 1,236sqft

306 Rio Vista Blvd, McCall

32689 Blackhawk Loop, Arlee, MT, 59821 — assumable VA mortgage at 3.05%
VA
Active
33
$510,000$114,322 equity gap
Rate
3.05%
7.32%today
Payment
$1,866/mo
$3,021today
  • 3beds
  • 2baths
  • 1,743sqft

32689 Blackhawk Loop, Arlee

2362 147 Drive, Corvallis, MT, 59828 — assumable FHA mortgage at 2.70%
FHA
Active
46
$489,000$193,932 equity gap
Rate
2.70%
7.32%today
Payment
$1,354/mo
$2,293today
  • 3beds
  • 2baths
  • 1,338sqft

2362 147 Drive, Corvallis

2901 Knollcrest Drive, Lewiston, ID, 83501 — assumable VA mortgage at 2.81%
VA
Active
45
$516,000$193,597 equity gap
Rate
2.81%
7.32%today
Payment
$1,511/mo
$2,523today
  • 4beds
  • 3baths
  • 3,296sqft

2901 Knollcrest Drive, Lewiston

811 6th Avenue, Kalispell, MT, 59901 — assumable VA mortgage at 2.84%
VA
Active
26
$340,000$126,384 equity gap
Rate
2.84%
7.32%today
Payment
$1,014/mo
$1,687today
  • 2beds
  • 1baths
  • 1,155sqft

811 6th Avenue, Kalispell

421 Park Drive, Lewiston, ID, 83501 — assumable FHA mortgage at 2.87%
FHA
Active
44
$519,900$197,564 equity gap
Rate
2.87%
7.32%today
Payment
$1,503/mo
$2,491today
  • 4beds
  • 3baths
  • 2,609sqft

421 Park Drive, Lewiston

804 Maple St, Kamiah, ID, 83536 — assumable VA mortgage at 2.90%
VA
Active
50
$339,000$109,828 equity gap
Rate
2.90%
7.32%today
Payment
$1,068/mo
$1,762today
  • 3beds
  • 2baths
  • 2,481sqft

804 Maple St, Kamiah

622 Indian Hills Dr, Moscow, ID, 83843 — assumable VA mortgage at 2.95%
VA
Active
43
$574,000$174,023 equity gap
Rate
2.95%
7.32%today
Payment
$1,895/mo
$3,107today
  • 4beds
  • 3baths
  • 2,600sqft

622 Indian Hills Dr, Moscow

1527 20th Ave, Lewiston, ID, 83501 — assumable FHA mortgage at 2.95%
FHA
Active
34
$380,000$132,558 equity gap
Rate
2.95%
7.32%today
Payment
$1,172/mo
$1,922today
  • 4beds
  • 2baths
  • 1,646sqft

1527 20th Ave, Lewiston

1503 Discovery Dr, Lewiston, ID, 83501 — assumable VA mortgage at 3.02%
VA
Active
15
$489,900$192,959 equity gap
Rate
3.02%
7.32%today
Payment
$1,414/mo
$2,299today
  • 3beds
  • 2baths
  • 1,536sqft

1503 Discovery Dr, Lewiston

164 Snowflake Lane, Libby, MT, 59923 — assumable VA mortgage at 3.07%
VA
Active
102
$585,000$193,499 equity gap
Rate
3.07%
7.32%today
Payment
$1,850/mo
$2,988today
  • 3beds
  • 2baths
  • 2,576sqft

164 Snowflake Lane, Libby

400 16th St, Payette, ID, 83661 — assumable VA mortgage at 3.10%
VA
Active
21
$395,000$122,604 equity gap
Rate
3.10%
7.32%today
Payment
$1,292/mo
$2,078today
  • 3beds
  • 1baths
  • 1,620sqft

400 16th St, Payette

1110 10th Street, Lewiston, ID, 83501 — assumable VA mortgage at 3.23%
VA
Active
24
$254,000$99,647 equity gap
Rate
3.23%
7.32%today
Payment
$773/mo
$1,223today
  • 2beds
  • 1baths
  • 934sqft

1110 10th Street, Lewiston

203 Artemos Drive, Missoula, MT, 59803 — assumable VA mortgage at 1.34%
VA
Active
39
$849,000$629,508 equity gap
Rate
1.34%
7.32%today
Payment
$1,231/mo
$2,505today
  • 4beds
  • 4baths
  • 3,145sqft

203 Artemos Drive, Missoula

342 Overlook Drive, Eureka, MT, 59917 — assumable VA mortgage at 2.22%
VA
Active
33
$499,000$347,904 equity gap
Rate
2.22%
7.32%today
Payment
$796/mo
$1,332today
  • 2beds
  • 2baths
  • 1,335sqft

342 Overlook Drive, Eureka

186 Lazy Creek Way, Kalispell, MT, 59901 — assumable VA mortgage at 2.25%
VA
Active
43
$699,900$600,276 equity gap
Rate
2.25%
7.32%today
Payment
$595/mo
$1,070today
  • 3beds
  • 2baths
  • 2,017sqft

186 Lazy Creek Way, Kalispell

62564 US Hwy 2, Libby, MT, 59923 — assumable VA mortgage at 2.25%
VA
Active
66
$1,440,000$1,163,478 equity gap
Rate
2.25%
7.32%today
Payment
$1,209/mo
$2,173today
  • 3beds
  • 2baths
  • 2,115sqft

62564 US Hwy 2, Libby

105 Ironwood Place, Missoula, MT, 59803 — assumable VA mortgage at 2.68%
VA
Active
50
$750,000$539,361 equity gap
Rate
2.68%
7.32%today
Payment
$949/mo
$1,611today
  • 3beds
  • 2baths
  • 2,024sqft

105 Ironwood Place, Missoula

310 128th St, Orofino, ID, 83544 — assumable VA mortgage at 2.71%
VA
Active
20
$275,000$167,994 equity gap
Rate
2.71%
7.32%today
Payment
$500/mo
$845today
  • 2beds
  • 1baths
  • 1,192sqft

310 128th St, Orofino

683 That Rd., Weiser, ID, 83672 — assumable FHA mortgage at 2.73%
FHA
Active
50
$515,000$395,973 equity gap
Rate
2.73%
7.32%today
Payment
$554/mo
$935today
  • 3beds
  • 2baths
  • 2,212sqft

683 That Rd., Weiser

164 Bitterroot Estates Drive, Marion, MT, 59925 — assumable VA mortgage at 2.73%
VA
Active
45
$649,000$309,341 equity gap
Rate
2.73%
7.32%today
Payment
$1,582/mo
$2,669today
  • 3beds
  • 3baths
  • 2,904sqft

164 Bitterroot Estates Drive, Marion

3010 Elderberry Avenue, Kalispell, MT, 59901 — assumable VA mortgage at 2.73%
VA
Active
40
$599,000$251,035 equity gap
Rate
2.73%
7.32%today
Payment
$1,621/mo
$2,734today
  • 3beds
  • 2baths
  • 1,756sqft

3010 Elderberry Avenue, Kalispell

706 Aspen Grove Street, Whitefish, MT, 59937 — assumable VA mortgage at 2.74%
VA
Active
34
$895,000$483,593 equity gap
Rate
2.74%
7.32%today
Payment
$1,923/mo
$3,240today
  • 3beds
  • 3baths
  • 2,070sqft

706 Aspen Grove Street, Whitefish

1649 Crown Point Pkwy, Cascade, ID, 83611 — assumable VA mortgage at 2.74%
VA
Active
41
$499,900$261,574 equity gap
Rate
2.74%
7.32%today
Payment
$1,088/mo
$1,833today
  • 3beds
  • 2baths
  • 1,800sqft

1649 Crown Point Pkwy, Cascade

146 Hammer Creek Rd, White Bird, ID, 83554 — assumable VA mortgage at 2.74%
VA
Active
44
$499,000$310,764 equity gap
Rate
2.74%
7.32%today
Payment
$880/mo
$1,482today
  • 3beds
  • 2baths
  • 1,614sqft

146 Hammer Creek Rd, White Bird

1323 Bridgecourt Way, Missoula, MT, 59801 — assumable FHA mortgage at 2.77%
FHA
Active
20
$415,000$274,221 equity gap
Rate
2.77%
7.32%today
Payment
$649/mo
$1,090today
  • 3beds
  • 2baths
  • 1,296sqft

1323 Bridgecourt Way, Missoula

35122 Powell Rd, Lewiston, ID, 83501 — assumable FHA mortgage at 2.77%
FHA
Active
24
$299,000$214,160 equity gap
Rate
2.77%
7.32%today
Payment
$398/mo
$668today
  • —beds
  • —baths
  • —sqft

35122 Powell Rd, Lewiston

249 Gilbert Lake Drive, Kalispell, MT, 59901 — assumable VA mortgage at 2.78%
VA
Active
32
$727,000$400,276 equity gap
Rate
2.78%
7.32%today
Payment
$1,541/mo
$2,583today
  • 3beds
  • 2baths
  • 2,173sqft

249 Gilbert Lake Drive, Kalispell

1514 7th Street, Clarkston, WA, 99403 — assumable FHA mortgage at 2.80%
FHA
Active
37
$357,500$198,658 equity gap
Rate
2.80%
7.32%today
Payment
$753/mo
$1,258today
  • 3beds
  • 2baths
  • 2,208sqft

1514 7th Street, Clarkston

5872 Canyon Vista Drive, Florence, MT, 59833 — assumable VA mortgage at 2.81%
VA
Active
44
$539,000$299,680 equity gap
Rate
2.81%
7.32%today
Payment
$1,119/mo
$1,869today
  • 3beds
  • 3baths
  • 2,080sqft

5872 Canyon Vista Drive, Florence

520 Hill St., Kamiah, ID, 83536 — assumable VA mortgage at 2.81%
VA
Active
24
$349,900$224,458 equity gap
Rate
2.81%
7.32%today
Payment
$588/mo
$982today
  • 3beds
  • 2baths
  • 2,586sqft

520 Hill St., Kamiah

136 Brown Bear Lane, De Borgia, MT, 59830 — assumable VA mortgage at 2.81%
VA
Active
50
$479,900$291,356 equity gap
Rate
2.81%
7.32%today
Payment
$884/mo
$1,476today
  • 3beds
  • 2baths
  • 1,900sqft

136 Brown Bear Lane, De Borgia

Assuming a mortgage in Washington

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.22%
Lowest existing payment
$395 /mo
Median cash to assume
$203,285
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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