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"Roughly 1 in 4 active mortgages in the U.S. today — an estimated 11.6 million loans — is actually assumable. Most buyers never think to ask. You just did."
Source: U.S. Bank, 2026
"Some FHA loans made before December 1, 1986 can still be assumed today with no credit check at all — a rule that's been on the books longer than most homebuyers have been alive."
Source: U.S. Department of Housing and Urban Development (HUD)