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Live from the Utah MLS
Assumable mortgage homes in Utah
96 active Utah listings mention an assumable loan right now. Assume the seller's existing FHA, VA, or USDA mortgage — often locked years ago at rates far below today's — instead of financing at the current market rate.
Get the full assumable list + alerts when new ones hit the MLS
✓ On its way — an agent will also flag the strongest assumable deals for you personally.
1. Find an assumable loan
FHA, VA, and USDA loans are generally assumable with lender approval. Listings on this page mention assumability in their remarks — always verify the loan type and remaining balance with the listing agent.
2. Qualify with the seller's lender
You apply with the loan's current servicer and must qualify under their guidelines. VA assumptions by non-veterans can affect the seller's entitlement — an agent who has closed assumptions matters here.
3. Bridge the equity gap
You take over the loan balance — the difference between price and balance is your down payment (cash or a second loan). The lower the seller's rate, the more that gap can be worth paying.
Assumable homes by city
Newest assumable listings
96 statewide
Listings mention assumable financing in their MLS remarks; assumability, loan type, balance, and lender approval must be independently verified. The MLS data on this page is refreshed every 15 minutes; information is deemed reliable but not guaranteed.