For Agents
How Agents Use Roots to Find Assumable Listings for Clients
By David Golovin · October 6, 2026 · 2 min read
Roots tracks assumable FHA and VA listings across its coverage states, each with an estimated rate and downpayment gap. Searching is free, no account needed.
18,086
Active assumable listings
4.50%
Avg estimated rate
3,849
Listings under 3%
Live Roots inventory, October 2026
Filter by rate, state, or payment
Narrow results by state, estimated rate range, or estimated monthly payment. The estimated downpayment gap shows on every card, so you can screen homes for a buyer in seconds.
What the verified badge means
A verified badge means the listing agent confirmed the rate and terms. Everything else is labeled as an estimate.
Send clients what you see
Listings and pre-filtered searches share as plain links, and none of it sits behind a login. Your buyer sees the same rate and gap you do.
FAQ
Can agents search Roots for free?
Yes. Roots is free to search. No account is required to view listings, estimated rates, or estimated downpayment gaps.
What does the verified badge mean on a Roots listing?
A verified listing shows a confirmed rate and terms submitted by the listing agent, not an automated estimate.
How do I filter by rate on Roots?
Open the assumable search on roots.homes and use the filters to narrow by state, estimated rate, and estimated monthly payment.