The Assumable Guy · Alabama · served locally by Premier Hoover LLC - KW Hoover, our licensed Alabama partner
Switch market: Colorado →444 homes for sale with a low-rate loan you can take over.
Rate: lowest among today's Birmingham listings, estimated from public loan records. Updated daily.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
Deemed reliable but not guaranteed accurate by the MLS.
You take over the seller's FHA or VA loan at its original rate. You pay the seller their equity at closing.
A 2-3% loan instead of a new one at 7.11% can save hundreds a month.
A non-veteran can still assume a VA loan when the seller agrees.
Filter by city, rate, and monthly payment. We update daily.
We'll walk you through the entire process.
Step into the seller’s low-rate loan. Keep the payment difference every month.
Who to call, and how a Birmingham purchase with an existing FHA or VA loan works.
Steve Parker, Premier Hoover LLC - KW Hoover, AL License 000089130-0. Steve Parker handles purchases where the buyer assumes an FHA or VA loan in Birmingham. Call 205-822-2272. Listings: https://assumableguy.com/birmingham/listings.
You contract to buy a home that already has an FHA or VA loan. The servicer approves you and transfers that loan into your name at the existing rate. You pay the equity gap at closing. A non-veteran can still assume a VA loan when the seller agrees. On a $500,000 loan over 30 years, 6.8% is $3,260 a month and 2.75% is $2,041 a month. That is $1,218 less each month, $438,631 over 30 years. It is an example, not a quote. The payment depends on the loan being assumed and on the equity gap, which is the difference between the price and the remaining balance.
FHA and VA loans. A conventional loan generally cannot be assumed. A non-veteran can assume a VA loan when the seller agrees to leave their entitlement with the property.
Tell us what you need, or call 205-822-2272.
Steve Parker · Premier Hoover LLC - KW Hoover
Listing information is provided by the Greater Alabama MLS, Inc. IDX program. Real estate listings held by brokerage firms other than Premier Hoover LLC - KW Hoover are identified with the name of the listing brokerage and listing agent. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Information is deemed reliable but is not guaranteed accurate by the MLS and should be independently verified.
Listing data is refreshed from GALMLS every 12 hours. This view was last updated November 15, 2026 at 10:24 AM UTC. Some properties that appear may no longer be available.
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