A payment buyers notice.
An eligible buyer takes over your loan’s existing rate and remaining term. A lower payment can change how they see your asking price.
UMe for sellers
Your low rate
belongs in
the listing.
You’re selling more than a home. Your existing mortgage could give the next buyer a lower payment—and give your property a real advantage.
- Free for sellers
- Works with your agent
- FHA · VA · USDA
The national loan
assumption experts.
$200M+in assets assumed through UMe
500+assumptions closed
99%UMe-reported success rate
4.9★★★★★from 287 client reviews
Sell the home. Share the financing advantage.
A stronger reason
to choose your property.
The right buyers see it.
We help your agent explain and market the assumable financing to people actively looking for this opportunity.
The details get handled.
We verify the loan information, work directly with the servicer, and coordinate with your agent and the buyer.
What your rate is worthYour loan is a number
Your loan is a number
on every buyer’s budget.
Buyers shop by monthly payment. Move the sliders to your loan and see the payment a buyer would take over, compared with financing the same balance new at today’s 6.95%.
Don’t know your balance or remaining term? Leave your best guess—we pull the real figures from your servicer when we review the loan.
The payment a buyer takes over
$1,616/mo
New loan at 6.95%$2,251
Your loan at 3.25%
$1,616
Buyer saves monthly$635
Over their first five years$38,099
Extra buying power$95,927More loan than that same payment buys at today’s rate
Principal and interest only, for illustration. Taxes, insurance, and HOA dues are the same either way, and the servicer sets the final terms.
Review my loan with UMeStart with the mortgage you have
Could your loan
be the selling point?
FHA, VA, and USDA loans may allow an approved buyer to assume the existing mortgage. Tell us a few details and we’ll reach out to review your loan with you.
Already have an agent? We work with them. Need one? We can connect you with a local agent who understands assumptions.
Selling with UMe
From loan details
to a closed sale.
We keep the assumption moving while your agent handles the sale.
- 01
Verify your loan.
We confirm the rate, estimated balance, remaining term, and servicer’s assumption requirements.
- 02
Make the advantage visible.
Your agent markets the home with the low-rate loan. We help explain what the financing means for a buyer.
- 03
Get under contract.
Align the buyer, agents, and closing team on the equity to cover and a realistic timeline.
- 04
We handle the assumption.
We prepare the file, work with the servicer, and help resolve the issues that can delay an approval.
- 05
Close and receive your proceeds.
The buyer takes ownership, the approved loan transfers, and your sale closes through escrow.
Know before you list
Clear answers.
A better plan.
We explain your loan’s requirements before you build the sale around an assumption.
See every assumption questionDo I have to change realtors?
No. UMe can work alongside your existing realtor. If you need an agent, we can help connect you with an assumption-experienced local professional.
How do I get my equity?
Your equity is the sale price minus the remaining mortgage balance. The buyer covers that difference with cash, or cash and approved secondary financing. Your proceeds are paid through closing, after transaction costs and any other amounts due.
What about my VA entitlement?
A release of liability and restoration of VA entitlement are different things. Your entitlement can remain tied to the loan if the buyer does not substitute eligible entitlement. We explain your options and confirm the requirements before you commit.
How long does it take?
Many assumptions take 45–90 days, and some take longer. Every servicer is different. We explain the likely process and keep pushing the file forward; the servicer controls approval and timing.
Does UMe charge the seller?
UMe’s assumption service is free for sellers. Your normal sale-related costs still apply. We’ll walk through the full transaction with you and your agent.
