📍 3465 Riverbend Cv, D’Iberville, MS 39540 💰 Asking Price: $189,900 🛏️ 3 Bedrooms 🛁 2.5 Baths per listing remarks—verify 📐 1,340 Sq Ft | Built 2008 🚗 1-Car Garage | No HOA 🌊 Riverfront Townhome Active on Zillow and another MLS-fed source when checked October 14, 2026. Price reduced by $10,000 on October 6. (zillow.com, realtor.com) 🇺🇸 ASSUMABLE VA LOAN The listing advertises a 3.625% VA assumable mortgage, subject to buyer qualification and servicer approval. Homes.com displays a 3.60% rate indication. We use the advertised 3.625% for modeling; confirm the exact note rate. (zillow.com, homes.com) 🔎 HOMES.COM MORTGAGE CHECK • Original recorded loan: $148,117 • Recorded date: December 30, 2019 • Loan type: VA • Original lender: Envoy Mortgage Ltd • Original term: 30 years • Estimated current balance: approximately $127,700 Homes.com displays estimates around $127,732–$128,021. These are public-record estimates, not verified payoffs. Current servicer remains unconfirmed. The mortgage-record parcel matches the listing parcel despite Homes.com using a Biloxi address label. (homes.com, homes.com, zillow.com) 💵 ESTIMATED EQUITY GAP $189,900 price − $127,732 estimated balance = approximately $62,200 About 32.7% of the asking price, before closing costs, assumption fees and prepaid expenses. 📉 MODELED PAYMENT SAVINGS 🟢 Assumable loan at 3.625%: Estimated $678/month P&I ⚪ New loan at illustrative 7%: Estimated $928/month P&I 💰 Estimated savings: $250/month 📅 Estimated annual savings: $3,001 Both scenarios use the same $127,732 balance and modeled remaining term of 23.25 years, based on the recorded 30-year loan date. Taxes, homeowners/flood/wind insurance, gap financing and other housing costs are excluded. Listed taxes are approximately $185/month; insurance quotes are needed to establish a complete housing payment. (zillow.com)

📍 201 Mace Ave, Essex, MD 21221 💰 Asking Price: $195,000 🛏️ 2 Bedrooms | 🛁 1 Bathroom 📐 600 Finished Sq Ft | Built 1930 🚗 Driveway Parking | No HOA Active on Zillow and another MLS-fed source when checked October 14, 2026. (zillow.com, amy-bishop.weichert.com) 🏦 ASSUMABLE LOAN The listing advertises a 3.25% FHA assumable mortgage with an estimated $155,000 remaining balance. These are listing-provided figures, not a verified payoff or approved assumption. Older listing copies show approximately $157,000—confirm the updated balance with the servicer. (zillow.com, bfox.charisrealtygroup.com) 🔎 HOMES.COM MORTGAGE CHECK • Original recorded loan: $171,830 • Recorded date: June 25, 2021 • Loan type: FHA • Public-record status: Open • Estimated current balance used: $155,000, per listing • Original lender/current servicer: Not available in the retrieved record. (homes.com) 💵 ESTIMATED EQUITY GAP $195,000 purchase price − $155,000 estimated balance = $40,000 estimated gap Approximately 20.5% of the asking price. Closing costs, prepaid expenses and assumption fees are additional. 📉 MODELED PAYMENT SAVINGS 🟢 Assumable loan at 3.25%: Estimated $760/month principal and interest ⚪ New loan at illustrative 7%: Estimated $1,100/month principal and interest 💰 Estimated savings: $339/month 📅 Estimated annual savings: $4,072 Both scenarios use the same $155,000 balance and approximately 24.75 years remaining, assuming an original 30-year loan beginning around June 2021. Actual term and payment require confirmation. 🧾 MONTHLY HOUSING BUDGET • Modeled principal and interest: $760 • Listed property taxes: approximately $199/month • Assumed insurance allowance: $150/month Estimated subtotal: $1,110/month BEFORE FHA mortgage insurance. Insurance is not quoted. Gap financing, utilities, maintenance and other expenses are excluded. Listed annual taxes are approximately $2,392. (homes.com)

📍 5922 Brice Ct, Jacksonville, FL 32244 💰 Asking Price: $200,000 🛏️ 2 Bedrooms | 🛁 2.5 Bathrooms 📐 1,268 Sq Ft | Built 2006 🚗 1-Car Attached Garage 🏡 Two-Story Townhome Active on Zillow and another MLS-fed source when checked October 13, 2026. The listing explicitly advertises a low-rate assumable mortgage. (zillow.com, coldwellbankerhomes.com) 🏦 ASSUMABLE LOAN Estimated rate for analysis: 2.80% FHA Homes.com displays a 2.80% rate indication; another assumption platform estimates 2.87%. The listing does not specify the exact rate—confirm it with the servicer before relying on these numbers. (homes.com, umeprojects.com) 🔎 HOMES.COM MORTGAGE CHECK • Original FHA loan: $142,450 • Recorded: October 14, 2021 • Original lender: Movement Mortgage, per displayed record • Original term: 30 years • Modeled remaining balance: ~$126,500 • Modeled remaining term: ~25.1 years ⚠️ Homes.com ALSO shows a $48,865 mortgage recorded in March 2026, marked open. Its purpose, current balance and treatment during an assumption are unconfirmed. Obtain title and servicer documents; it could materially change the analysis. (homes.com, homes.com) 💵 ESTIMATED EQUITY GAP $200,000 price − $126,500 modeled first-mortgage balance = **$73,500 gap — approximately 36.8%** This is the amount not covered by the modeled first mortgage, not verified seller equity. Closing costs and assumption fees are extra. Any additional lien must be properly resolved. 📉 MODELED PAYMENT SAVINGS 🟢 Assumed loan at estimated 2.80%: ~$585/month ⚪ New loan at illustrative 7%: ~$893/month 💰 Estimated P&I savings: ~$307/month 📅 Approximately $3,690/year Same modeled balance and remaining term for both options. Assumes 59 scheduled payments on the original loan, with no modification, missed payments or extra principal payments. Taxes, insurance, FHA mortgage insurance, HOA and gap financing are excluded. The March 2026 record may make this baseline inaccurate.

Found a home with a potentially assumable mortgage? Post it here so we can help break down the numbers! 🏡 Copy and fill out what you know: 🔗 Listing link: 📍 Property address: 💰 Asking price: 🏦 Loan type: VA, FHA, or unknown 📉 Interest rate: 💵 Remaining loan balance: 🧾 Monthly payment: Include what it covers, if known 🏘️ HOA dues: 🎯 Your goal: Personal home or investment 💵 Available funds for the gap + closing costs: 📈 Expected rent, if investing: ❓ What would you like us to evaluate? Don’t have all the details? Share what you have—label anything estimated or unconfirmed. We’ll help evaluate the estimated equity gap, payment savings, strengths, risks and preliminary AHC deal score. Exact loan terms and assumption eligibility still need confirmation with the servicer. Would you buy it—or pass? Let’s look at the numbers! 👇

Have a question about assumable mortgages or one of our posted deals? Create a post in this category—we’re here to help! 🏡 Topics can include: 🏦 VA vs. FHA assumptions 💵 Equity gaps and ways to cover them 📉 Monthly payments and estimated savings 📋 Buyer qualifications and approval steps 🏡 Buying a personal home or evaluating an investment 🔎 Understanding our deal scores and estimates For property-specific questions, include the address or listing link and what you’d like help understanding. New to assumable mortgages? Start wherever you are—no question is too basic! 👇