2.87% FHA
$309,900
$1,407/mo
451 Filaree Place
Henderson, NV
3 bd3 ba1,832 sqft
Henderson, Nevada
Keep the rate.
Buy the home in Henderson.
292 assumable homes for sale in Henderson, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.74%
vs 7.2% market
$448/mo saved
Median locked rate
5.74%
Across 292 assumable listings
Typical monthly savings
$448
On a $465,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Henderson
Homes with a rate worth keeping
3.45% VA
$415,000
$1,942/mo
3979 Salisbury Place
Las Vegas, NV
4 bd3 ba2,303 sqft
3.46% FHA
$599,900
$3,320/mo
330 Meadow Brush Place
Henderson, NV
4 bd3 ba2,345 sqft
2.84% FHA
$319,500
$1,318/mo
3711 Casey Drive
Las Vegas, NV
3 bd2 ba1,755 sqft
2.87% VA
$560,000
$2,105/mo
2285 Manosque Lane
Henderson, NV
5 bd4 ba2,642 sqft
2.88% VA
$887,995
$3,384/mo
16 Via Tiberina
Henderson, NV
3 bd3 ba2,795 sqft
Inventory snapshot
What’s assumable in Henderson right now
Live counts from the MLS feeds we index for Nevada. Updated September 2026.
- Active listings
- 292
- Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 5.74%
- Median list price
- $465,000
- Median cash to assume
- $135,780
Listings by locked rate
- Under 4%112 homes
- 4% – 5%15 homes
- 5% – 6%21 homes
- 6% and up140 homes
Listings by loan type
- FHA161 homesmedian 6.27%
- VA131 homesmedian 3.87%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Henderson ZIP code
- 89011
97 assumable homes · median 6.34%
median $446,990
- 89015
45 assumable homes · median 6.50%
median $399,000
- 89044
32 assumable homes · median 6.30%
median $559,750
- 89002
29 assumable homes · median 4.91%
median $450,000
- 89074
26 assumable homes · median 5.22%
median $480,000
- 89052
25 assumable homes · median 3.23%
median $660,000
- 89012
21 assumable homes · median 3.62%
median $500,000
- 89014
17 assumable homes · median 4.13%
median $389,000
Nearby markets
More assumable homes in Nevada
- Las Vegas1,076
- North Las Vegas371
- Pahrump113
- Laughlin13
- Boulder City7
- Ely7
- Indian Springs7
- Mesquite7
- Logandale4
- Overton2
- Alamo1
- Cold Creek1
- Jean1
- Moapa1
- Sandy Valley1
- Tonopah1
- Amargosa Valley
- Beatty
- Blue Diamond
- Cal Nev Ari
- Caliente
- Carson City
- Dyer
- Elko
Run your numbers
The cost of waiting in Henderson.
A 7.2% new loan against an assumable one at 5.74%, same balance, 30 years.
You keep every month
$357/mo
Over a year$4,279
Monthly payment, side by side
7.2% vs 5.74%
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 Henderson
Numbers below come from current Henderson inventory and update as listings change.
- How many assumable homes are for sale in Henderson?
- As of September 2026, UMe tracks 292 active assumable listings in Henderson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Henderson?
- Current Henderson inventory breaks down as FHA (161, median 6.27%) and VA (131, median 3.87%). 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 Henderson right now?
- The lowest rate on an active Henderson assumable listing is 2.18%, and the median across all 292 listings is 5.74%. 112 listings are under 4% and 127 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 Henderson?
- Across current Henderson listings, the median principal-and-interest payment on the assumable loan is $2,172 per month versus $2,620 for the same balance at today's rates, a difference of about $448 every month, or $5,371 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 Henderson?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Henderson that gap is currently a median of $135,780 on a median list price of $465,000. 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 Henderson ZIP codes have the most assumable homes?
- The Henderson ZIP codes with the most active assumable listings are 89011 (97), 89015 (45), 89044 (32), 89002 (29), and 89074 (26). 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 Henderson?
- 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 Henderson.
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.
