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Snohomish County Assumable Mortgage Homes for Sale

Explore VA, FHA and USDA assumable mortgage listings in Everett, Marysville, Lake Stevens, Lynnwood, Edmonds and Snohomish. Snohomish County combines established neighborhoods, new construction and commuter markets; evaluate each home's actual price and remaining mortgage balance.

Which Loans May Be Assumable?

VA Loan Assumptions

VA-backed loans can sometimes be assumed by qualified buyers, including non-veterans. Confirm lender/servicer approval, release of liability and any effect on the seller's VA entitlement.

FHA Loan Assumptions

FHA-insured mortgages may be assumed under applicable credit and servicer requirements. Review the interest rate, remaining term, mortgage insurance and processing fees.

USDA Loan Assumptions

USDA assumption terms depend on the loan program and agency requirements. Eligibility, approval and whether existing terms carry over must be confirmed with the servicer.

How to Buy a Home With an Assumable Mortgage

An attractive existing rate may still require substantial cash or eligible secondary financing when the seller has significant equity. Start by asking the seller for the loan type, interest rate, balance, remaining term and servicer. Request the servicer's written assumption procedures before relying on the advertised financing.

  1. Compare the purchase price with the remaining loan balance to estimate the equity gap.
  2. Confirm borrower qualification, occupancy rules, fees and expected processing time.
  3. Discuss whether permitted secondary financing or cash will cover the gap.
  4. Ensure the seller receives the required release of liability; check VA entitlement where relevant.
  5. Coordinate closing timelines with the servicer, title company and real estate contract.

Example: The Equity Gap

For a $550,000 purchase with a $410,000 assumable mortgage balance, the buyer needs to fund a $140,000 difference plus closing costs. A favorable existing interest rate does not eliminate the equity gap or guarantee qualification.

Selling a Snohomish County Home With a Low-Rate Mortgage?

Get a property-specific valuation based on nearby closed sales and competing active homes. We can help evaluate whether a verified assumable mortgage is a useful marketing advantage while protecting your position as the seller.

Request My Snohomish County Home Valuation

Explore Related Assumable Mortgage Markets

Washington Assumable Mortgage Guide | King County | Pierce County | Thurston County

Newest Snohomish County Homes Advertised With Assumable Financing

Listings below are based on MLS marketing terms, not independently verified lender approvals. Confirm the availability and exact terms with the loan servicer.

Newest Snohomish County Assumable Mortgage Listings

1045 17th ave, Sultan
$610,000
4 Beds ⋅ 3 Baths ⋅ 2599669 MLS ⋅ FIRST LOOK Status
Beautifully maintained, like-new 2024 Lennar home in Sultan's Wyndham Highlands community. This 4-bedroom, 2.25-bath home offers 2,120 square feet of thoughtfully designed living space with an open-concept main floor ideal for everyday living and entertaining. The spacious kitchen features quartz countertops, ample cabinetry, a walk-in pantry, and a seamless connection to the dining and living areas. Upstairs, a versatile loft provides additional living space perfect for a media room, gaming area, home office, or comfortable sitting area. The generous primary suite includes a private bath and an impressive walk-in closet with custom organization. Front-facing bedrooms capture beautiful mountain views, adding to the home's appeal. Additional upgrades include an EV charger, Kitchen water filtration system, and exterior security cameras with floodlights. Enjoy a fully fenced, landscaped backyard with patio space and beautiful evergreens maintain a private feel. Conveniently located near neighborhood parks, outdoor recreation, and Highway 2, offering easy access to Monroe, Stevens Pass, and the surrounding Cascade Mountains. Assumable loan at 4.25% interest rate available to qualified buyers, subject to lender approval. A move-in-ready opportunity with the benefits of newer construction and valuable improvements already in place.

1045 17th ave, Sultan

Listing Broker: John L. Scott Snohomish; Autumn Long; 425-419-8792; AutumnLong@JohnLScott.com

4911 Arcadia Road, Tulalip
$1,295,000
2 Beds ⋅ 2 Baths ⋅ 2586417 MLS ⋅ ACTIVE Status
ASSUMABLE 2.625% LOAN • 10+ DEEDED ACRES • PRIVATE BEACH ACCESS • PANORAMIC SOUND VIEWS Discover a rare PNW retreat in a gated waterfront community, offering sweeping island, mountain, and sunset views in a park-like setting. Over $240k in thoughtful improvements create a beautifully updated, move-in-ready home. The extensive remodel features a new kitchen & baths, hardwood & tile floors, honed granite countertops, energy-efficient mini-split, automated sunset shades, EV charging, new windows & skylights, new septic drainfield, low/no-VOC materials, and updated paint & lighting. Refreshed deck overlooks Puget Sound, offering a front-row seat for whales, wildlife, and brilliant sunsets. Enjoy your property’s vibrant shoreline, mature forest, prolific apple tree, and a raised garden w/ automated irrigation. Two potential building sites offer water views, subject to buyer verification and required approvals. Outbuilding includes an insulated shop with 240V power, while a 6-car carport provides covered parking and storage. Well-run, well-funded, friendly HOA focused on common amenity maintenance. Privacy, scenery, beach access, and proximity to prime fishing areas and miles of biking trails: the property offers exceptional potential as a private retreat or short-term rental, subject to county regulations, HOA rules, and buyer verification. Enjoy extraordinary space and possibilities under 7 miles from I-5. Assumable mortgage may be available to qualified buyers; ask for details.

4911 Arcadia Road, Tulalip

Listing Broker: Four Elements Realty & Co; Brittany Baughman; 206-931-6994; brittany@fourelementsrealty.com

21501 Marine Drive, Stanwood
$650,000
3 Beds ⋅ 2 Baths ⋅ 2580870 MLS ⋅ ACTIVE Status
Get out of the city and enjoy the country life in this updated 3-bed, 1.75-bath rambler nestled on a private 3/4 acre lot just minutes to Lake Goodwin and Warm Beach! Beyond the inviting front porch awaits a tastefully remodeled kitchen open to the living & dining areas and featuring shaker cabinetry, granite counter tops, and stainless steel appliances—all underscored by elegant, wood-laminate flooring. Primary Bedroom with attached bath, 2 additional bedrooms and an impressive Bonus Room providing amazing flex space as a media room, den/ office or 4th bedroom. Enjoy natural scenery from every window and the evening glow of Port Susan to the west every day. Free standing wood stove keeps you warm on those chilly winter nights, while the massive deck off the back slider is designed for effortless summer entertaining against a serene, private backdrop. Extra driveway parking, storage shed, firepit area, backyard with plenty of room to play and grow. Home is wired for generator. No HOA, not on leased land, not in a flood zone, and with a new septic drain field installed in 2021. Less than 5 minutes to both Lake Goodwin and Warm Beach, with easy access to I-5, Lakewood Crossing and Smokey Point shopping and dining options. Assumable mortgage -buyer to verify. The perfect balance of seclusion and accessibility, this rural retreat is truly one-level living at its best. Welcome home!

21501 Marine Drive, Stanwood

Listing Broker: CENTURY 21 Real Estate Center; Bill Townsend; 425-343-6932; townsendgroupre@gmail.com

17218 84th Avenue NE, Arlington
$700,000
4 Beds ⋅ 3 Baths ⋅ 2572443 MLS ⋅ ACTIVE Status
**2.25% ASSUMABLE VA LOAN!** A rare financing opportunity makes this Arlington home stand out! Qualified buyers may assume the existing VA mortgage at just 2.25%, subject to lender approval and assumption requirements. Built in 2013, this move-in-ready home offers space, flexibility, and thoughtful upgrades. Enjoy main-level living with vaulted ceilings, a stone gas fireplace, and an open kitchen featuring granite countertops, gas range, walk-in pantry, and generous island. The dining area opens to an expansive deck, perfect for entertaining. Three bedrooms, including a spacious primary suite with walk-in closet, soaking tub, and separate shower, plus laundry complete the main level. Downstairs, discover a separate rec room, fourth bedroom, and third full bathroom. Whether you're envisioning a media room, fitness studio, guest accommodations, or dedicated workspace, this versatile layout delivers. The approximately 852-square-foot tandem garage accommodates up to four vehicles, with room for equipment, projects, and hobbies. Enjoy peace of mind with a new roof and deck (2025), kitchen appliances (2025), and tankless water heater (2026). Additional comforts include central A/C, HEPA filtration, a level fenced yard, and covered patio. Tucked along a quiet dead-end street near a community park and playground, with easy access to Highway 9, I-5, the Centennial Trail, and Arlington's outdoor recreation.

17218 84th Avenue NE, Arlington

Listing Broker: Real Broker LLC; Becca L. Locke; 206-920-6500; becca@beccalocke.com

2314 119th Drive SE, Lake Stevens
$660,000
3 Beds ⋅ 3 Baths ⋅ 2555707 MLS ⋅ ACTIVE Status
PRICE IMPROVEMENT + $10,000 BUYER CREDIT! An exceptional opportunity in Lake Stevens’ desirable Pasadera Heights, where comfort, style and value come together. This beautifully updated, east-facing home is filled with natural light and offers 2,454 sq ft of thoughtfully designed living space with 3 bedrooms, 2.5 baths and a generous upper-level loft/rec room—ideal for movie nights, a playroom, home office or gathering with friends. Fresh interior paint, plush carpet, updated lighting, fixtures and tasteful finishes create a bright, polished and truly move-in-ready interior. The open, functional layout offers comfortable everyday living with room to grow. Step outside to the FULLY FENCED backyard featuring a private patio and garden area—perfect for entertaining, morning coffee, pets, play or cultivating flowers and vegetables. Located in the desirable Snohomish School District, just minutes from the Lake Stevens waterfront, public boat launch, restaurants, shopping, transit and the Centennial Trail. Enjoy boating, walking, running and biking close to home. Seller is offering a $10,000 BUYER CREDIT with an acceptable offer. Please note: The home is no longer staged; listing photos reflect its professionally staged presentation. A rare combination of lifestyle, location and value—this is the one you’ve been waiting for!

2314 119th Drive SE, Lake Stevens

Listing Broker: Keller Williams Realty Bothell; Joyce Sornito; 206-617-8567; joycesornitoRE@KW.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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