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King County WA Assumable Mortgage Homes

Find homes advertised with assumable VA, FHA and USDA financing, understand buyer qualification and compare opportunities.

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Assumable Mortgages in King County

Explore Seattle, Bellevue, Renton, Kent and Auburn and nearby communities. MLS descriptions may advertise an assumable mortgage, but only the loan servicer can confirm the rate, balance, program requirements and approval process.

VA Assumptions

Qualified buyers, including eligible non-veterans, may assume certain VA loans. Confirm release of seller liability and any effect on VA entitlement.

FHA Assumptions

FHA-insured loans can be assumable subject to applicable credit and servicer requirements. Check mortgage insurance and remaining terms.

USDA Assumptions

Eligibility and transferable terms vary by USDA program. Verify agency approval, occupancy requirements and interest-rate treatment.

How the Equity Gap Works

If a home sells for $600,000 with a $425,000 remaining assumable mortgage, the buyer must cover a $175,000 equity gap plus applicable costs. Cash or permitted secondary financing may help; approval is not automatic.

Five Steps Before Making an Offer

  1. Confirm the existing loan type, balance, interest rate and remaining term.
  2. Request the servicer's assumption package, requirements and timeline.
  3. Calculate the equity gap and available funding.
  4. Confirm seller release of liability and any VA entitlement implications.
  5. Coordinate underwriting, contract deadlines, title and closing.

Selling a King County Home With an Assumable Loan?

We can evaluate relevant sold comparables and help market a verified assumption opportunity without overstating eligibility or savings.

Request a Custom Seller Valuation

Related Resources

Washington Assumable Mortgage Guide | Builder Incentives

Newest King County Assumable Mortgage Listings

Browse active MLS properties below. An advertised loan assumption requires independent verification with the mortgage servicer.

Newest King County Assumable Mortgage Homes

7909 9th Avenue SW, Seattle
$665,000
2 Beds ⋅ 1 Baths ⋅ 2597188 MLS ⋅ ACTIVE Status
Charming Cape Cod-style home with gracious vintage touches throughout. Built in 1937, this two-bedroom residence is nestled on a rare, oversized 7,350 square foot lot with a lovely tree outlook and ready for gardening and enjoyment. Step through the vintage French Blue door to find gleaming hardwood floors, elegant coved ceilings, new pinpoint ceiling lights and big picture windows that flood the home with natural light. An archway door leads from the dining area into a delightful kitchen featuring brand-new stainless steel appliances and from the dining nook, one has direct access to the porch in back, large enough for a barbeque and table & chairs. The home retains its classic soul with an amazing vintage tiled bathroom and is kept cozy by a reliable gas furnace. Downstairs, a huge basement is perfect for extra living space or for woodworking or hobbies, complete with an extra room perfect for an art studio or home office. Outside, the massive lot offers endless outdoor potential and includes a detached garage with a new roof. Location is everything here—you are just down the street from the Highland Park Corner Store, a wonderful community gathering place. Commuters will love being so close to the bus stop; King County Metro Route 131 is just steps away and can get you downtown quickly. This is the perfect starter home combining classic charm, modern updates, and unmatched space in a tranquil neighborhood.

7909 9th Avenue SW, Seattle

Listing Broker: Windermere West Metro; Marlow C. Harris; 206-935-7200; MarlowHarris@msn.com

2873 S 353rd Place, Federal Way
$995,000
4 Beds ⋅ 3 Baths ⋅ 2596293 MLS ⋅ ACTIVE Status
Experience Luxury Living at Lake Killarney Estates! Welcome to The Hudson by MainVue Homes, where modern elegance, thoughtful design, and exceptional upgrades come together. This stunning home features a spacious open-concept floor plan with soaring ceilings and dramatic floor-to-ceiling sliding glass doors that seamlessly connect the main living area to MainVue’s signature Outdoor Room. Step outside to a beautifully enhanced backyard with extensive upgrades, creating the perfect setting for outdoor entertaining, gatherings, or peaceful relaxation. The gourmet kitchen is a chef’s dream, featuring elegant quartz countertops, premium finishes, and an impressive Grand Butler’s Pantry. The main floor offers a private office/den/guest bedroom, providing flexibility for working from home or multi-generational living. Upstairs, discover a spacious loft, four additional bedrooms with walk-in closets, and a luxurious primary suite designed for comfort and relaxation. Additional highlights include central A/C and a thoughtfully designed layout offering both style and functionality. Conveniently located near parks, shopping, dining, Costco, and major commuter routes. Pre-inspected for added peace of mind! RARE opportunity to assume an existing FHA loan at an incredible 3.875% interest rate, subject to lender approval and buyer qualification. Don't miss this exceptional opportunity to own a beautifully upgraded luxury home in Lake Killarney Estates!

2873 S 353rd Place, Federal Way

Listing Broker: Real Broker LLC; Khoa Truong; 206-372-2990; khoatruongbroker@gmail.com

26824 NE 164th Street, Duvall
$799,000
3 Beds ⋅ 3 Baths ⋅ 2596654 MLS ⋅ ACTIVE Status
Welcome to this stunning Cherrybrooke gem! Nestled in desirable Duvall neighborhood on a corner lot, this beautifully updated 3 bedroom, 2.5 bath home offers sweeping Snoqualmie Valley views, tree-lined streets & a community feel. Natural light pours through every room, showcasing beautiful greenery & creating a warm, inviting atmosphere. New hardwood floors, fresh interior paint & sleek light fixtures add a dazzling, modern touch. The bright living room features bay windows & flows effortlessly into dining area, perfect for entertaining. The stunning kitchen shines with new quartz countertops & backsplash, abundant cabinetry, a spacious basin sink, closet pantry & all-new appliances. Retreat to the cozy primary suite, features picturesque valley views, an elegant accent wall w crown molding, a private ensuite & walk-in closet w custom wardrobes. The inviting family room boasts a wood-burning fireplace for cozy winter evenings & opens to a deck & patio overlooking a private, fenced backyard surrounded by trees perfect for relaxing or enjoying time w your furry friends. Additional updates include A/C heat pump, water heater, windows, blinds, washer & dryer & exterior lighting & more. Spacious two-car garage offers ample storage. Enjoy the best of Duvall living, close to historic Main Street, Tolt Pipeline hiking & biking trails & schools within easy reach. Elegant, inviting & beautifully refreshed, this exceptional home blends modern comfort w the peaceful beauty of the PNW!

26824 NE 164th Street, Duvall

Listing Broker: Skyline Properties, Inc.; Kansas Keller; 253-592-3400; kansaswkeller@gmail.com

23810 148th Avenue SE, Kent
$1,065,000
3 Beds ⋅ 2 Baths ⋅ 2593926 MLS ⋅ ACTIVE Status
Assumable loan at 3.875%. Privacy and Beauty abound in this rare close-in shy 5 acre former equestrian property. Lush mature landscaping surrounds this open floor plan home creating a tranquil oasis. This property can be perfectly set up for animals, gardening, and creating your own private outdoor retreat which includes a garden/potting shed, a green house, and barn with a multi horse stall. Thoughtfully designed 3 bedroom 2 bath single-level custom home showcases spacious rooms, walls of windows that bring the outdoors in, tall ceilings and year-round entertaining with a covered outdoor living area that overlooks pasture and forested land. Generous 5-piece primary en-suite with 2 sided glass shower and soaking tub surrounded by windows framing the outdoor beauty. The primary bedroom also includes 2 roomy closets and a sliding glass door to the peaceful backyard. 50-year roof installed in 2022 provides long-term peace of mind. In 2024 the furnace was replaced, the washer and dryer were replaced the year before that and in 2025 the crawl space was cleaned out with new insulation and moisture barrier added. There is a separate ingress/egress for easy access to the pasture from 148th. This home delivers comfort, style and ease. Enjoy a lifestyle of everyday convenience with nearby parks, scenic trails and local amenities just minutes away, including Soos Creek Trails and their parks, Clark Lake Park, Meridian Valley Country Club and more. Welcome Home!

23810 148th Avenue SE, Kent

Listing Broker: John L. Scott, Inc.; Lori F. Bixler; 206-601-5183; loribixler@johnlscott.com

1313 4th Street, Kirkland
$2,699,950
4 Beds ⋅ 4 Baths ⋅ 2594469 MLS ⋅ ACTIVE Status
A stunning contemporary gem priced to sell fast, and with a super low-interest assumable loan. Phenomenal location, just a block from Peter Kirk Elementary and a short walk from downtown Kirkland, this elite home is the perfect combination of exceptional style, comfort, and location. Designed with incredible attention to detail, it's both wonderful for daily living and an elegant sanctuary for relaxing and entertaining. The main level features exquisite living and dining spaces, a full chef's kitchen with top-end appliances, and a bedroom that could serve as an ideal home office. The upper-level features two spacious suites, offering a private and luxurious retreat. Step outside the primary suite to the large beautiful deck, with a gas fire table and territorial views. The primary suite includes an amazing walk-in closet and the great convenience of a washer and dryer. Meanwhile, the guest suite offers a private deck. The lower level is designed for relaxation and flexibility, with a temp-controlled wine room, a large media and recreation lounge, a bedroom that can easily be used as a private gym, and a second large washer and dryer set. The landscaping was thoughtfully designed with a beautiful mix of colors and includes a fountain along the walkway to the front porch. Filled with luxury amenities, the home includes smart home tech, central A/C, built-in int. and ext. speakers, a hot tub, a backup generator, a sprinkler system, and a stylish exterior storage structure.

1313 4th Street, Kirkland

Listing Broker: John L. Scott, Inc; Brenda Y Quinones; 509-832-2344; brenda_quinones1110@hotmail.com

11802 98th Avenue NE Unit #B6, Kirkland
$540,597
2 Beds ⋅ 2 Baths ⋅ 2591259 MLS ⋅ ACTIVE Status
Beautiful 3-story townhome nestled in desirable Hillside Village in the heart of Juanita! Light-filled and open, this stylish residence offers generous living spaces, 2 spacious bedrooms with soaring vaulted ceilings, and 1.5 baths. Enjoy plush carpeting throughout and a modern kitchen complete with durable quartz countertops, timeless cabinetry, and stainless steel appliances. The inviting living room serves as the ideal retreat, anchored by a cozy wood-burning fireplace for chilly Northwest evenings. Step outside to your private deck—perfect for morning coffee or hosting intimate summer gatherings—and take in seasonal views of Lake Washington from the front bedroom! An oversized 1-car garage provides exceptional functionality, featuring an expanded flex space ideal for extra storage, a workshop, or home gym gear, plus dedicated guest parking nearby. Enjoy low HOA dues and an effortless, walkable lifestyle! Unbeatable location: walk to Juanita Village shops, popular restaurants, local cafes, Juanita Beach Park & Pier, and the picturesque waterfront trail leading right into downtown Kirkland. Exceptional access to major commuter routes and tech hubs makes daily travel a breeze. Welcome home to convenience, community, and the ultimate Kirkland lifestyle! The Zillow Showcase tour provides an exceptional way to view the entire unit.

11802 98th Avenue NE Unit #B6, Kirkland

Listing Broker: Real Broker LLC; Darrin Stumpf; 855-450-0442; info@darrinstumpf.com

12930 SW 204th Street, Vashon
$1,475,000
4 Beds ⋅ 3 Baths ⋅ 2590110 MLS ⋅ ACTIVE Status
A quintessential Northwest A-frame retreat, exquisitely remodeled and set within more than five acres of private forestland across two legal lots. Thoughtfully reimagined throughout, this extraordinary residence blends iconic architectural character with refined modern living in a serene, retreat-like setting. The heart of the home is an expansive open-concept kitchen anchored by an enormous island, designed for effortless entertaining and everyday gathering. A dramatic wall of sliding doors opens seamlessly onto an expansive deck overlooking the sprawling front lawn and surrounding forest, creating a stunning indoor-outdoor living experience immersed in nature. The main level offers exceptional flexibility with a spacious media room, two bedrooms, and a full bathroom. Upstairs, the private primary suite features a spa-inspired ensuite bath and oversized walk-in closet. A lofted bonus space is ideal for a home office, fitness studio, yoga retreat, meditation lounge, or creative workspace. An additional upstairs bedroom includes a large closet and stylish 3/4 bath, perfect for guests. Every detail is entirely brand new, offering timeless Northwest design with modern comfort and sophistication. You’re a short ferry ride to Seattle or Tacoma or anywhere off Island that you desire to go! You’re minutes to downtown Vashon, equally accessible to the both ferries, close to so many parks, boat launches, and everything Vashon has to offer. Welcome to Island life!

12930 SW 204th Street, Vashon

Listing Broker: Real Broker LLC; Darrin Stumpf; 855-450-0442; info@darrinstumpf.com

115 SW 181st Place, Normandy Park
$750,000
4 Beds ⋅ 4 Baths ⋅ 2589612 MLS ⋅ ACTIVE Status
MOTIVATED SELLER! MUST SEE - RARE 4-bedroom newer townhome in Normandy Park offering exceptional space, flexibility & convenience to Seattle, Sea-Tac Airport and the waterfront! Built in 2023 in Sapphire on Normandy, this modern 4-bedroom, 3.5-bath, 2,215 SF home is designed for buyers who want more space without the maintenance of a traditional single-family property. The versatile multi-level floor plan is a standout, featuring multiple ensuite bedroom configurations, walk-in closets and a lower-level bedroom suite with outdoor access—ideal for guests, multigenerational living, work-from-home space or added privacy. The bright open-concept main level features LVP flooring and a chef-inspired kitchen with quartz countertops, stainless appliances, abundant cabinetry and oversized island. Enjoy a private deck, backyard, PRIVATE SAUNA, attached garage and additional parking. Sapphire on Normandy also offers community green space/dog park, while HOA-maintained lawn, common areas & roads support an easy lock-and-leave lifestyle. Minutes to Des Moines Marina, Puget Sound, Sea-Tac Airport, shopping, dining, parks, Hwy 509 & I-5 with convenient access to Seattle. An exceptional opportunity for buyers searching for a Normandy Park home, Seattle-area townhome, newer 4-bedroom home, multigenerational floor plan or low-maintenance home near SeaTac!

115 SW 181st Place, Normandy Park

Listing Broker: COMPASS; Nicole Braam; 253-237-2090; nicole.braam@compass.com

9515 Linden Avenue N, Seattle
$624,950
2 Beds ⋅ 1 Baths ⋅ 2588576 MLS ⋅ ACTIVE Status
15K PRICE IMPROVEMENT + 3.75% ASSUMABLE LOAN! Incredible below-market interest rate & potential for huge savings! Rare freestanding Greenwood home, just over a mile from Green Lake, offering space, privacy, parking, and flexibility! This light-filled, fenced 1,200 sq ft home features an inviting open layout, oak hardwood floors, a private outdoor retreat, three parking spaces, and a detached backyard studio. Spacious living and dining areas flow into an updated kitchen with granite countertops, eating bar, glass cooktop, double oven, heated travertine floors, and room for a dining table. Large windows fill the home with natural light, while the sandstone wood-burning fireplace adds warmth. Two oversized bedrooms feature French doors opening directly to the southwest-facing deck and landscaped backyard oasis, perfect for outdoor dining, entertaining, or relaxing. The detached backyard studio provides valuable bonus space for a home office, creative studio, fitness area, or hobby room. A separate storage shed with workbench offers additional room for tools and outdoor equipment. Updated full bath with tile finishes and heated floor, plus a laundry area with newer washer and dryer. Three parking spaces out front with room for multiple vehicles, larger vehicles, or an RV. Earthquake retrofitted, chimney serviced, newer hot water tank, and updated electrical. Surrounded by restaurants, cafés, breweries, and shopping. Easy access to I-5, DT Seattle, Interurban Trail, & Light Rail!

9515 Linden Avenue N, Seattle

Listing Broker: eXp Realty; Lilly Fedorova; 425-236-1732; seattledreamhomesc21@gmail.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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