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Live Data Report · Updated October 2026
Current estimated rates, downpayments, and monthly payments on active assumable listings, computed directly from live Roots inventory. Refreshed hourly.
Avg. Rate
4.51%
estimated
Lowest Rate
1.75%
estimated
Avg. Downpayment
$181k
estimated
Avg. Monthly Pmt.
$2,824
estimated P&I
Based on 17,290 active assumable listings on Roots.
The current 30-year fixed mortgage average is 6.71% (Freddie Mac PMMS, September 3, 2026). Assumable listings on Roots carry an estimated average of 4.51%, roughly 2.2 percentage points lower. On a $400,000 loan, that is approximately $555 per month in estimated principal and interest savings.
| Metric | Market Rate | Assumable Avg. (est.) |
|---|---|---|
| 30-year rate | 6.71% | 4.51% |
| Monthly pmt. on $400k loan (est.) | $2,584 | $2,029 |
| Estimated monthly savings | – | ~$555 |
Market rate: Freddie Mac Primary Mortgage Market Survey. Assumable figures are estimated from listing data. Payment estimates use a 30-year term, principal and interest only.
Assumable FHA and VA inventory is concentrated in states where government-backed lending and military relocation are common.
| State | Assumable Listings | Avg. Rate (est.) |
|---|---|---|
| California | 4,166 | 4.43% |
| Texas | 3,616 | 4.58% |
| Georgia | 3,388 | 4.67% |
| Colorado | 2,689 | 4.43% |
| Arizona | 2,062 | 4.46% |
The average estimated assumable rate on active listings is 4.51%. The lowest available is 1.75%. These figures come from listing data and are estimates; the lender determines final terms.
The average assumable rate on active listings is roughly 2.2 percentage points below the current 30-year fixed average of 6.71% (Freddie Mac, September 3, 2026). On a $400,000 loan that gap is about $555 per month in estimated principal and interest.
The estimated average downpayment across assumable listings is $180,973. It is the gap between the sale price and the remaining loan balance, so it varies widely by listing. Some buyers finance part of the gap with a second loan.
FHA, VA, and USDA loans are assumable. Most conventional loans are not. They carry a due-on-sale clause that requires the loan to be paid off when the home sells.
Assumptions typically take 60 to 120 days through the seller’s servicer. Roots coordinates the process and averages around 43 days on assumption closings.