3.06% FHA
$409,990
$1,787/mo
1855 Sparrow Hawk Ave
Kuna, ID
4 bd3 ba1,600 sqft
Meridian, Idaho
Keep the rate.
Buy the home in Meridian.
56 assumable homes for sale in Meridian, with locked rates from 2.52%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.17%
vs 7.2% market
$684/mo saved
Median locked rate
4.17%
Across 56 assumable listings
Typical monthly savings
$684
On a $522,400 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Meridian
Homes with a rate worth keeping
2.87% FHA
$424,900
$1,608/mo
1997 Gull Cove Pl
Meridian, ID
3 bd2 ba1,421 sqft
3.07% FHA
$405,000
$1,567/mo
5800 Gary Ln
Boise, ID
3 bd1 ba1,008 sqft
2.66% FHA
$399,990
$1,367/mo
9118 Rustica Dr
Boise, ID
3 bd2 ba1,393 sqft
2.88% VA
$824,999
$2,926/mo
1407 Diadora Ave
Eagle, ID
3 bd3 ba2,576 sqft
2.90% VA
$519,900
$1,796/mo
2370 Knotty Timber Pl
Meridian, ID
4 bd3 ba2,004 sqft
Inventory snapshot
What’s assumable in Meridian right now
Live counts from the MLS feeds we index for Idaho. Updated September 2026.
- Active listings
- 56
- Certified / verified
- 0
- Lowest rate
- 2.52%
- Median rate
- 4.17%
- Median list price
- $522,400
- Median cash to assume
- $152,135
Listings by locked rate
- Under 4%23 homes
- 4% – 5%6 homes
- 5% – 6%5 homes
- 6% and up20 homes
Listings by loan type
- VA29 homesmedian 4.17%
- FHA27 homesmedian 5.07%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Meridian ZIP code
Nearby markets
More assumable homes in Idaho
- Nampa70
- Boise68
- Twin Falls40
- Caldwell37
- Mountain Home36
- Kuna23
- Lewiston22
- Eagle14
- Star14
- Middleton11
- Kimberly10
- Payette10
- Emmett8
- Kamiah8
- Weiser8
- Burley7
- Cascade6
- Jerome6
- Garden Valley5
- Fruitland4
- Rupert4
- Wendell4
- Gooding3
- Aberdeen
Run your numbers
The cost of waiting in Meridian.
A 7.2% new loan against an assumable one at 4.17%, same balance, 30 years.
You keep every month
$797/mo
Over a year$9,561
Monthly payment, side by side
7.2% vs 4.17%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Meridian
Numbers below come from current Meridian inventory and update as listings change.
- How many assumable homes are for sale in Meridian?
- As of September 2026, UMe tracks 56 active assumable listings in Meridian. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Meridian?
- Current Meridian inventory breaks down as VA (29, median 4.17%) and FHA (27, median 5.07%). 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 Meridian right now?
- The lowest rate on an active Meridian assumable listing is 2.52%, and the median across all 56 listings is 4.17%. 23 listings are under 4% and 29 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 Meridian?
- Across current Meridian listings, the median principal-and-interest payment on the assumable loan is $2,145 per month versus $2,830 for the same balance at today's rates, a difference of about $684 every month, or $8,210 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 Meridian?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Meridian that gap is currently a median of $152,135 on a median list price of $522,400. 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 Meridian ZIP codes have the most assumable homes?
- The Meridian ZIP codes with the most active assumable listings are 83642 (29) and 83646 (27). 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 Meridian?
- 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 Meridian.
Every listing on the map has a rate you can take over. Start with the ones in Idaho, or list your own low-rate loan and let buyers come to you.
