Assumability Of A Mortgage

PDF 4155.1 Rev-5 Chapter 4 Assumptions 4-1 General. – CHAPTER 4 . ASSUMPTIONS . 4-1 . GENERAL. All FHA insured mortgages are assumable. However, FHA has placed certain restrictions on the assumability of FHA-insured mortgages originated since 1986. Depending on the date of loan origination, a creditworthiness review of the assumptor by the lender may be required.

The value of your FHA loan’s assumability depends not only on future mortgage rates, but also on the rate that you get today. So the better your rate today, the more your mortgage assumability.

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