2.75% VA
Certified
$825,000
$2,399/mo
6089 Ancient Peaks Avenue
Las Vegas, NV
5 bd4 ba4,027 sqft
Nevada · Statewide
Keep the rate.
Buy the home in Nevada.
1,927 assumable homes for sale in Nevada, with locked rates from 2.00%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.10%
vs 7.2% market
$594/mo saved
Median locked rate
5.10%
Across 1927 assumable listings
Typical monthly savings
$594
On a $425,000 home vs 7.2%
Certified listings
1
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Nevada
Homes with a rate worth keeping
2.83% FHA
$624,900
$3,094/mo
10105 Shore Pine Avenue
Las Vegas, NV
4 bd4 ba3,683 sqft
3.10% FHA
$375,000
$1,828/mo
3717 Canis Minor Drive
Henderson, NV
3 bd3 ba1,771 sqft
3.21% VA
$549,900
$2,872/mo
9952 Pine Trail Avenue
Las Vegas, NV
3 bd3 ba2,195 sqft
2.00% VA
$221,900
$798/mo
1800 Edmond Street
Las Vegas, NV
2 bd2 ba926 sqft
2.87% FHA
$309,900
$1,407/mo
451 Filaree Place
Henderson, NV
3 bd3 ba1,832 sqft
Inventory snapshot
What’s assumable in Nevada right now
Live counts from the MLS feeds we index for Nevada. Updated September 2026.
- Active listings
- 1,927
- Certified / verified
- 1
- Lowest rate
- 2.00%
- Median rate
- 5.10%
- Median list price
- $425,000
- Median cash to assume
- $126,573
Listings by locked rate
- Under 4%767 homes
- 4% – 5%165 homes
- 5% – 6%154 homes
- 6% and up807 homes
Listings by loan type
- FHA1,087 homesmedian 5.50%
- VA840 homesmedian 4.13%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Nevada ZIP code
- 89084
105 assumable homes · median 4.98%
median $455,000
- 89011
99 assumable homes · median 6.34%
median $444,900
- 89031
89 assumable homes · median 4.13%
median $430,000
- 89166
80 assumable homes · median 6.34%
median $509,995
- 89122
75 assumable homes · median 4.76%
median $347,500
- 89081
74 assumable homes · median 5.02%
median $432,500
- 89131
60 assumable homes · median 4.38%
median $497,000
- 89149
57 assumable homes · median 4.42%
median $425,000
Across Nevada
Assumable homes by Nevada city
Run your numbers
The cost of waiting in Nevada.
A 7.2% new loan against an assumable one at 5.10%, same balance, 30 years.
You keep every month
$462/mo
Over a year$5,542
Monthly payment, side by side
7.2% vs 5.10%
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 Nevada
Numbers below come from current Nevada inventory and update as listings change.
- How many assumable homes are for sale in Nevada?
- As of September 2026, UMe tracks 1,927 active assumable listings in Nevada. 1 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Nevada?
- Current Nevada inventory breaks down as FHA (1,087, median 5.50%) and VA (840, median 4.13%). 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 Nevada right now?
- The lowest rate on an active Nevada assumable listing is 2.00%, and the median across all 1,927 listings is 5.10%. 767 listings are under 4% and 932 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 Nevada?
- Across current Nevada listings, the median principal-and-interest payment on the assumable loan is $1,725 per month versus $2,319 for the same balance at today's rates, a difference of about $594 every month, or $7,128 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 Nevada?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Nevada that gap is currently a median of $126,573 on a median list price of $425,000. 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 Nevada cities have the most assumable homes?
- Right now the deepest assumable inventory in Nevada is in Las Vegas (1,087), North Las Vegas (377), Henderson (296), Pahrump (114), and Laughlin (13). Each city has its own page with live counts, rates, and neighborhoods, and the Nevada map lets you search the whole state at once.
- How long does a mortgage assumption take in Nevada?
- 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 Nevada.
Every listing on the map has a rate you can take over. Start with the ones in Nevada, or list your own low-rate loan and let buyers come to you.
