The Assumable Guy · Iowa · served locally by Keller Williams of Greater Des Moines, our licensed Iowa partner
Switch market: Colorado →413 homes for sale with a low-rate loan you can take over.
Rate: lowest among today's Des Moines 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 Des Moines purchase with an existing FHA or VA loan works.
Darson Grantham, Keller Williams of Greater Des Moines, IA License S68402000. Darson Grantham handles purchases where the buyer assumes an FHA or VA loan in Des Moines. Call (515) 612-6013. Listings: https://assumableguy.com/iowa/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 (515) 612-6013.
Darson Grantham · Keller Williams of Greater Des Moines
The content relating to real estate for sale on this web site comes in part from the IDX program of the Des Moines Area Association of REALTORS® Multiple Listing Service. Real estate listings held by brokerage firms other than Keller Williams of Greater Des Moines 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.
The data is deemed reliable but is not guaranteed accurate by the MLS.
Listing data is refreshed from DMAAR MLS several times daily. This view was last updated November 15, 2026 at 8:13 PM UTC. Listing data may not reflect the most recent changes in the MLS system, and some properties that appear may no longer be available.
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