VATop pick
Active
40$365,000$36,212 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,573/mo
$2,509today
- 3beds
- 3baths
- 1,650sqft
Henderson, Nevada
Assumable homes for salein Henderson, Nevada.
310 homes in Henderson carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Henderson assumable market
by the numbers.
310active assumable listings
2.25%lowest locked rate
$467kmedian list price
$444saved per month vs. 7.2%
About the market
Assumable mortgagesin Henderson, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Nevada, filtered to Henderson. Updated October 2026.
How assumptions work for buyersHenderson, Nevada has 310 homes for sale with an assumable mortgage as of October 2026: 176 FHA loans and 134 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Henderson assumable listings start at 2.25% with a median of 5.72%; 117 listings are under 4% and 133 are under 5%.
The median assumable home in Henderson lists for $466,500, with a median of $131,246 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,137 a month versus $2,581 for the same balance at today's rate, roughly $444 kept every month and $5,322 a year. The most active Henderson ZIP codes are 89011 (81), 89044 (46), 89015 (41), 89052 (34), and 89002 (33).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Henderson assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Henderson
View all 310 on the map Homes on the marketin Henderson.
VA
Active
23$565,000$97,269 equity gap
- Rate
- 2.81%
7.40%today- Payment
- $2,198/mo
$3,698today
- 4beds
- 3baths
- 2,486sqft
393 John Law Lane, Henderson
FHA
Active
72$849,888$110,920 equity gap
- Rate
- 2.83%
7.40%today- Payment
- $3,496/mo
$5,868today
- 7beds
- 4baths
- 4,778sqft
2824 Richmar Avenue, Henderson
VA
Active
32$550,000$98,727 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $2,105/mo
$3,515today
- 5beds
- 4baths
- 2,642sqft
2285 Manosque Lane, Henderson
FHA
Active
$375,000$54,908 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,488/mo
$2,481today
- 2beds
- 2baths
- 1,142sqft
2523 Evening Twilight Ave., Henderson
FHA
Active
29$304,900$51,152 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,182/mo
$1,972today
- 2beds
- 2baths
- 1,088sqft
5271 Mineral Lake Drive, Las Vegas
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Henderson.
Live counts from the MLS feeds we index for Nevada. Updated October 2026.
- Active listings
- 310
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 5.72%
- Median list price
- $466,500
- Median cash to assume
- $131,246
Henderson listings by locked rate
- Under 4%117 homes
- 4% – 5%16 homes
- 5% – 6%28 homes
- 6% and up148 homes
Henderson listings by loan type
- FHA176 homesmedian 5.99%
- VA134 homesmedian 5.09%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Henderson ZIP code.
Each ZIP opens the Henderson map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 89011
81 assumable homes
median 6.34% · $440,000
- 89044
46 assumable homes
median 6.24% · $519,500
- 89015
41 assumable homes
median 6.15% · $389,500
- 89052
34 assumable homes
median 3.73% · $649,450
- 89002
33 assumable homes
median 5.52% · $445,950
- 89074
33 assumable homes
median 3.92% · $470,000
- 89012
24 assumable homes
median 3.41% · $399,500
- 89014
18 assumable homes
median 5.63% · $456,500
Run the Henderson numbers
What an assumable ratedoes to a Henderson payment.
The sliders start at the median Henderson assumable listing: $466,500 list price and a 5.72% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$130,000
28% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Henderson
$2,061/mo
New loan at 7.20%$2,274
Assumed at 5.70%
$2,061
Every month$213
Over five years$12,767
Interest you never pay$175,53826-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Henderson listing on UMe shows the actual balance, rate, and payment.
How it works in Henderson
How to assumea mortgage in Henderson.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Henderson home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Henderson map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $131,246 in Henderson today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Henderson payment written in a different decade.
Henderson questions
Assuming a mortgagein Henderson.
The numbers below come from current Henderson inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Henderson?
As of October 2026, UMe tracks 310 active assumable listings in Henderson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Henderson?
Current Henderson inventory breaks down as FHA (176, median 5.99%) and VA (134, median 5.09%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Henderson?
The lowest rate on an active Henderson assumable listing is 2.25%, and the median across all 310 listings is 5.72%. 117 listings are under 4% and 133 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Henderson?
Across current Henderson listings, the median principal-and-interest payment on the assumable loan is $2,137 per month versus $2,581 for the same balance at today's rates, a difference of about $444 every month, or $5,322 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Henderson?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Henderson that gap is currently a median of $131,246 on a median list price of $466,500. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Henderson ZIP codes have the most assumable homes?
The Henderson ZIP codes with the most active assumable listings are 89011 (81), 89044 (46), 89015 (41), 89052 (34), and 89002 (33). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Henderson?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Henderson.The rate is already on the house.
Every listing on the Henderson map has a rate you can take over. Start with the ones in Henderson, get pre-qualified in minutes, and let UMe carry the assumption to closing.
