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Pierce 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 Pierce County

Explore Tacoma, Puyallup, Lakewood, Bonney Lake and Spanaway 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 Pierce 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 Pierce County Assumable Mortgage Listings

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

Newest Pierce County Assumable Mortgage Homes

435 Harrison Street, Sumner
$500,000
3 Beds ⋅ 2 Baths ⋅ 2597015 MLS ⋅ ACTIVE Status
Charming single level 3-bed 1.75-bath in the heart of Sumner. Walking distance of downtown Sumner with its restaurants, shops, parks & community events. Step inside to warm hardwood floors and comfortable living spaces. The thoughtfully updated kitchen features white shaker cabinets, stainless appliances, and warm butcher-block countertops. Stay cool year-round with A/C, while the functional layout provides plenty of room for relaxing, hosting friends, or simply enjoying your home. Outside the fully fenced yard offers space for play, pets, gardening, or summer gatherings. The inviting patio/deck creates an ideal spot for morning coffee and weekend BBQs. You cant miss the Big 768-square-foot detached 2-car garage. With a large driveway and an incredible amount of space, the garage is perfect for vehicles, storage, a workshop, and hobbies. The size and versatility also create exciting future possibilities for a (D ADU), potentially providing space for multi-generational living, a private guest area, additional workspace, or rental income. And the location is hard to beat. Just blocks from downtown Sumner, you'll be close to local restaurants, shops, parks, and community events. Easy access to the Sumner Sounder Station and nearby freeways makes getting around so convenient. Whether you're buying your first home or looking for a place to put down roots this well-located Sumner rambler offers the space and opportunity to make it your own. *loan may be assumable @ 5.125% rate

435 Harrison Street, Sumner

Listing Broker: Heaton Dainard, LLC; Dominic Turco; 253-590-8468; dominic@heatondainard.com

10947 Echo Rock Place, Gig Harbor
$799,000
4 Beds ⋅ 3 Baths ⋅ 2596304 MLS ⋅ ACTIVE Status
Welcome to this inviting Harbor Hill home, where bright living spaces and a garden create a wonderful blend of indoor and outdoor enjoyment. Built in 2018, this 4 bedroom home offers 2,122 square feet with an open concept layout, large windows and a cozy gas fireplace. The kitchen features white cabinetry, stainless steel appliances, a spacious island with seating and a walk in pantry. A main floor bedroom and bath provide flexibility for guests or a home office. Upstairs, the primary suite offers a walk in closet and a private bath with dual sinks, a tiled shower and a soaking tub. Two additional bedrooms and upstairs laundry add everyday convenience. Added central air conditioning brings year round comfort, complemented by luxury vinyl plank flooring and carpet. Outside, enjoy apple and fig trees, strawberries, blueberries, vegetable plantings and culinary herbs including sage, mint and rosemary. All appliances stay, including the refrigerator, washer and dryer, and an attached two car garage adds convenience. Picture mornings on the covered porch and fresh herbs for dinner. Enjoy nearby parks, trails, shopping, dining and the YMCA, plus convenient access to highly rated Peninsula School District schools, including nearby Swift Water Elementary. From gathering around the kitchen island to growing your own harvest, this home makes everyday living feel a little more special.

10947 Echo Rock Place, Gig Harbor

Listing Broker: eXp Realty; Shaun Lowe; 530-417-4226; shaunslowe@yahoo.com

211 S Naches Street, Buckley
$664,000
4 Beds ⋅ 4 Baths ⋅ 2596403 MLS ⋅ ACTIVE Status
Some homes simply have more room. This one gives every room a purpose. Set on a large, fully fenced corner lot with a beautiful Mt. Rainier view, this distinctive two-story Victorian pairs timeless character with the space and amenities today’s buyers want. A generous covered front porch introduces the home, while the gorgeous leaded-glass entry opens to a circular main-level floor plan designed for easy living and entertaining. Formal living and dining rooms provide an elegant setting for gatherings, while the family room invites you to settle in beside the wood-burning fireplace and hearth. The kitchen is equally compelling, with custom cabinetry, concrete counters, an eating bar, and a sunny nook that opens directly to the covered deck and fenced backyard. A main-level den and oversized mud/laundry room add practical flexibility. Upstairs, four spacious bedrooms each feature a walk-in closet and private bath, including an impressive primary suite with vaulted ceilings. The primary bath adds a touch of indulgence with tall ceilings, dual sinks, a jetted tub, and a large separate shower. An attached two-car garage and RV parking complete the picture. Recent improvements include a four-year-old roof and brand-new Milgard windows installed in 2023. With 2,784 square feet, 3.5 baths, and a floor plan that truly lives well, this is a home designed to be enjoyed for years to come.

211 S Naches Street, Buckley

Listing Broker: John L. Scott, Inc; Jason Fueston; 253-223-4884; jasonf@johnlscott.com

1183 Swan Loop, Dupont
$700,000
5 Beds ⋅ 4 Baths ⋅ 2593596 MLS ⋅ ACTIVE Status
NorthWest Landing DuPont Gem! Assumable VA 6.25% available. This home has something for everyone! One of the smartest floor plans designed; it boasts 5 bedrooms and 4 bathrooms including two primary bedrooms-one on the main floor w/spacious walk in closet & ensuite 3/4 bath w/shower, formal dining room, living room, powder room & chef's kitchen with a sunny breakfast room w/built in buffet and walk in pantry/utility room w/Washer dryer hook ups- all on the main level! Upstairs has a large loft/bonus room, huge primary ensuite complete w/soaking tub and separate shower w/glass doors as well as a closet big enough for your entire wardrobe! 3 more bedrooms, laundry, and full bath finish out the second level. The kitchen has beautiful cabinetry, newer stainless steel appliances and newer quartz countertops! Newer Heat Pump/Central AC and real hardwood flooring add to the quality finishes this home has to offer. Natural sunlight comes through the many windows in the home, but when it gets to be too bright, simply lower the blinds and enjoy the warm cozy vibe. Attention to detail in paint selection adapts to anyone's design palate-move in and enjoy. Outside, entertain or relax with the covered BBQ area and covered seating area, garden spot and fire pit. Asian Persimmon tree is mature and ready for your enjoyment! Low maintenance, no grass in the back yard means more time for what you enjoy. Close to JBLM, award winning Steilacoom Schools, Puget Sound beach close by!

1183 Swan Loop, Dupont

Listing Broker: Pam Fisher Properties; Pamela S. Fisher; 253-224-0913; pamfisherproperties@gmail.com

6526 192nd Avenue E, Bonney Lake
$575,000
3 Beds ⋅ 2 Baths ⋅ 2593631 MLS ⋅ ACTIVE Status
Rare find: VA Assumable Loan @ 2.875% for eligible buyers! Fully updated 3-bed, 2-bath split-entry in the highly desired Lake Debra Jane Estates. Enjoy total peace of mind with a brand-new roof and gutters (Dec 2025). Inside, you'll find modern finishes: seamless LVP flooring, fresh paint, smooth ceilings, central A/C, and a beautifully renovated kitchen with sleek stainless steel appliances. The primary suite features a stunning custom tile shower. The home's layout offers incredible flexibility. A lockable walkout basement provides the perfect setup for a mother-in-law suite or income-producing Airbnb, complete with secure keypad entries. Step outside to a true entertainer’s paradise, where a massive 36'x16' composite deck extends your lower living space, perfectly complemented by a second deck off the formal dining room. The backyard is built for gatherings, featuring a large firepit and a dedicated 240V plug just waiting for your personal sauna or hot tub. Practicality effortlessly meets lake-community luxury. The expanded driveway is a rare find, offering an astonishing 11 parking spaces with dedicated room for your RV, boat, and trailer, alongside a functional storage shed. Beyond your property, enjoy exclusive Lake Debra Jane HOA perks: a private beach, community pool, sports courts, and a non-power boat launch, plus city access to the coveted Allen York Park boat ramp. Turnkey, resort-style living awaits!

6526 192nd Avenue E, Bonney Lake

Listing Broker: eXp Realty; Chad Durrant; 253-632-6223; chadrdurrant@gmail.com

3413 Fox Court, Gig Harbor
$995,000
3 Beds ⋅ 3 Baths ⋅ 2587945 MLS ⋅ ACTIVE Status
VA ASSUMABLE LOAN AT 2.25%! Thoughtfully designed with flexibility in mind, this beautifully appointed home offers 3 beds, 3 full baths, and nearly 2600 sf of well-planned living space. Seamless floor plan can function as a one-level home, featuring spacious primary suite on main floor, while an additional private suite upstairs is ideal for guests or home office. Just inside the entry, a dedicated office provides even more versatility and can easily serve as fourth bedroom. This home effortlessly adapts to your lifestyle. Designed for both everyday living and entertaining, the dining area is open to the chef-inspired kitchen, complete with high-end appliances, generous center island, abundant cabinetry, and expansive counter space. The open concept design is filled with natural light from oversized windows, creating a warm and inviting atmosphere thru out. A cozy gas fireplace serves as the heart of the living area, offering the perfect place to enjoy your morning coffee. Situated on a desirable corner lot, fully fenced yard backs to a peaceful greenbelt, where mature trees provide both privacy and a beautiful backdrop. Covered patio off the dining area is perfect for entertaining! 2-car garage is fully insulated. Enjoy the best of the Uptown lifestyle just moments away, with restaurants, coffee shops, boutique shopping, and live music in the summer. For outdoor enthusiasts, nearby parks and the scenic Cushman Trail offer endless opportunities to explore & enjoy nature.

3413 Fox Court, Gig Harbor

Listing Broker: eXp Realty; Beth Rahman; ;

0 xxx 136th Ave E, Puyallup
$274,950
2590540 MLS ⋅ ACTIVE Status
A rare opportunity to create something special on 1.210 acres in a prime Puyallup location! Set within a well-established neighborhood just outside the popular Sunrise community, this homesite offers convenient access to the shopping, dining, services and recreation of the greater Sunrise/South Hill area while enjoying a setting away from the hustle and bustle of the community itself. The property features an elevated, level building area set above the street; an ideal place to position your future home and take advantage of the beautiful Mt. Rainier view. Better yet, much of the early feasibility work has already been completed. Public water accessibility results are available (no private well needed); power is on site, and a fire hydrant is conveniently located at the front of the property. Septic feasibility soil testing has also been completed, with results indicating the soil profile will support a subsurface pressure system with a pre-treatment septic tank. No HOA, with minimal CC&Rs and a private road agreement available in the supplements. Looking for additional land nearby? Two additional 1+ acre homesites are also being offered just around the corner, creating a unique opportunity to own multiple properties close to one another without being directly adjacent. Bring your plans and imagine your future home perched above the street with Mt. Rainier providing the backdrop! *Make sure to watch attached video*

0 xxx 136th Ave E, Puyallup

Listing Broker: Keller Williams Realty PS; KaLinda Lewis; 253-320-1620; kalinda@dimorahomegroup.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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