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Assumable homes for sale in Idaho

200 homesVA & FHA loansrates from 1.75% vs 7.18% today

Idaho assumption guide
4263 Da Vinci Way, Meridian, ID, 83642 — assumable VA mortgage at 3.22%
VATop pick
Active
16
$740,000Potential short sale
Rate
3.22%
7.18%today
Payment
$3,685/mo
$5,758today
  • 5beds
  • 4baths
  • 3,287sqft

4263 Da Vinci Way, Meridian

8374 W Falling Star St, Boise, ID, 83709 — assumable FHA mortgage at 2.77%
FHA
Active
48
$399,900$45,679 equity gap
Rate
2.77%
7.18%today
Payment
$1,638/mo
$2,711today
  • 3beds
  • 2baths
  • 1,383sqft

8374 W Falling Star St, Boise

1997 Gull Cove Pl, Meridian, ID, 83642 — assumable FHA mortgage at 2.87%
FHA
Active
45
$424,900$80,904 equity gap
Rate
2.87%
7.18%today
Payment
$1,608/mo
$2,627today
  • 3beds
  • 2baths
  • 1,421sqft

1997 Gull Cove Pl, Meridian

1318 Wright Ct, Boise, ID, 83705 — assumable VA mortgage at 2.87%
VA
Active
24
$349,000$45,282 equity gap
Rate
2.87%
7.18%today
Payment
$1,423/mo
$2,325today
  • 2beds
  • 3baths
  • 1,181sqft

1318 Wright Ct, Boise

1407 Diadora Ave, Eagle, ID, 83616 — assumable VA mortgage at 2.88%
VA
Active
46
$750,000$123,257 equity gap
Rate
2.88%
7.18%today
Payment
$2,926/mo
$4,775today
  • 3beds
  • 3baths
  • 2,576sqft

1407 Diadora Ave, Eagle

2419 Sugar Cane Drive, Nampa, ID, 83687 — assumable FHA mortgage at 2.93%
FHA
Active
13
$292,000$49,859 equity gap
Rate
2.93%
7.18%today
Payment
$1,145/mo
$1,856today
  • 2beds
  • 1baths
  • 812sqft

2419 Sugar Cane Drive, Nampa

11761 Penobscot St, Caldwell, ID, 83605 — assumable FHA mortgage at 2.96%
FHA
Active
33
$409,900$52,941 equity gap
Rate
2.96%
7.18%today
Payment
$1,697/mo
$2,740today
  • 4beds
  • 2baths
  • 1,696sqft

11761 Penobscot St, Caldwell

2309 Carter Ct, Caldwell, ID, 83605 — assumable FHA mortgage at 2.98%
FHA
Active
7
$330,000$58,051 equity gap
Rate
2.98%
7.18%today
Payment
$1,290/mo
$2,078today
  • 3beds
  • 2baths
  • 1,211sqft

2309 Carter Ct, Caldwell

1445 Kyle Street, Mountain Home, ID, 83647 — assumable VA mortgage at 2.98%
VA
Active
23
$358,900$64,928 equity gap
Rate
2.98%
7.18%today
Payment
$1,394/mo
$2,246today
  • 4beds
  • 2baths
  • 1,504sqft

1445 Kyle Street, Mountain Home

321 Dennis Drive, Burley, ID, 83318 — assumable VA mortgage at 3.09%
VA
Active
38
$299,900$57,872 equity gap
Rate
3.09%
7.18%today
Payment
$1,151/mo
$1,829today
  • 5beds
  • 2baths
  • 1,897sqft

321 Dennis Drive, Burley

110 Liberty Lane, Kamiah, ID, 83536 — assumable VA mortgage at 3.10%
VA
Active
30
$455,000$78,756 equity gap
Rate
3.10%
7.18%today
Payment
$1,784/mo
$2,831today
  • 4beds
  • 3baths
  • 2,200sqft

110 Liberty Lane, Kamiah

10393 Millgrain St., Nampa, ID, 83687 — assumable VA mortgage at 3.22%
VA
Active
45
$699,000$101,110 equity gap
Rate
3.22%
7.18%today
Payment
$2,861/mo
$4,470today
  • 3beds
  • 3baths
  • 2,765sqft

10393 Millgrain St., Nampa

19643 Nanticoke Ave, Caldwell, ID, 83605 — assumable VA mortgage at 3.22%
VA
Active
23
$384,990$46,668 equity gap
Rate
3.22%
7.18%today
Payment
$1,626/mo
$2,540today
  • 3beds
  • 2baths
  • 1,479sqft

19643 Nanticoke Ave, Caldwell

12786 Carkhill St, Caldwell, ID, 83607 — assumable VA mortgage at 3.22%
VA
Active
42
$384,900$48,110 equity gap
Rate
3.22%
7.18%today
Payment
$1,618/mo
$2,529today
  • 3beds
  • 2baths
  • 1,364sqft

12786 Carkhill St, Caldwell

3567 S. Avondale Ave., Nampa, ID, 83686 — assumable FHA mortgage at 3.56%
FHA
Active
47
$497,000$47,206 equity gap
Rate
3.56%
7.18%today
Payment
$2,243/mo
$3,359today
  • 5beds
  • 3baths
  • 2,738sqft

3567 S. Avondale Ave., Nampa

544 Knights Circle, Nampa, ID, 83687 — assumable FHA mortgage at 3.69%
FHA
Active
27
$339,900$26,917 equity gap
Rate
3.69%
7.18%today
Payment
$1,580/mo
$2,328today
  • 3beds
  • 2baths
  • 950sqft

544 Knights Circle, Nampa

5686 Cherry Lane, Nampa, ID, 83687 — assumable VA mortgage at 2.73%
VA
Active
30
$310,000$92,750 equity gap
Rate
2.73%
7.18%today
Payment
$1,009/mo
$1,679today
  • 2beds
  • 3baths
  • 1,213sqft

5686 Cherry Lane, Nampa

412 S 13th Street #110, Boise, ID, 83702 — assumable VA mortgage at 2.74%
VA
Active
30
$399,900$103,058 equity gap
Rate
2.74%
7.18%today
Payment
$1,387/mo
$2,305today
  • 1beds
  • 2baths
  • 1,055sqft

412 S 13th Street #110, Boise

3971 Sugar Creek Dr, Meridian, ID, 83646 — assumable FHA mortgage at 2.77%
FHA
Active
31
$399,900$121,339 equity gap
Rate
2.77%
7.18%today
Payment
$1,306/mo
$2,162today
  • 3beds
  • 2baths
  • 1,258sqft

3971 Sugar Creek Dr, Meridian

143 East Blvd, New Plymouth, ID, 83655 — assumable FHA mortgage at 2.84%
FHA
Active
45
$389,000$80,011 equity gap
Rate
2.84%
7.18%today
Payment
$1,440/mo
$2,361today
  • 3beds
  • 1baths
  • 1,943sqft

143 East Blvd, New Plymouth

1200 17th N, Mountain Home, ID, 83647 — assumable VA mortgage at 2.86%
VA
Active
29
$248,000$67,061 equity gap
Rate
2.86%
7.18%today
Payment
$843/mo
$1,379today
  • 2beds
  • 1baths
  • 816sqft

1200 17th N, Mountain Home

805 Miner, Mountain Home, ID, 83647 — assumable VA mortgage at 2.86%
VA
Active
42
$415,000$98,664 equity gap
Rate
2.86%
7.18%today
Payment
$1,474/mo
$2,411today
  • 4beds
  • 3baths
  • 2,054sqft

805 Miner, Mountain Home

917 15th Dr, Rupert, ID, 83350 — assumable FHA mortgage at 2.87%
FHA
Active
9
$285,000$71,636 equity gap
Rate
2.87%
7.18%today
Payment
$997/mo
$1,630today
  • 4beds
  • 2baths
  • 1,872sqft

917 15th Dr, Rupert

11555 W Pathview St, Star, ID, 83669 — assumable VA mortgage at 2.90%
VA
Active
43
$725,000$176,927 equity gap
Rate
2.90%
7.18%today
Payment
$2,576/mo
$4,193today
  • 3beds
  • 2baths
  • 2,250sqft

11555 W Pathview St, Star

884 Wapiti Mountain Road, Butte, MT, 59701 — assumable VA mortgage at 2.94%
VA
Active
40
$900,000$208,660 equity gap
Rate
2.94%
7.18%today
Payment
$3,272/mo
$5,298today
  • 4beds
  • 3baths
  • 3,824sqft

884 Wapiti Mountain Road, Butte

2213 County Rd E., Filer, ID, 83328 — assumable VA mortgage at 2.98%
VA
Active
26
$290,000$70,969 equity gap
Rate
2.98%
7.18%today
Payment
$1,041/mo
$1,677today
  • 2beds
  • 1baths
  • 1,503sqft

2213 County Rd E., Filer

1021 Quartzite Ave, Middleton, ID, 83644 — assumable FHA mortgage at 2.98%
FHA
Active
41
$478,000$124,315 equity gap
Rate
2.98%
7.18%today
Payment
$1,677/mo
$2,702today
  • 5beds
  • 3baths
  • 2,383sqft

1021 Quartzite Ave, Middleton

6505 Horse Haven Ln, Emmett, ID, 83617 — assumable VA mortgage at 3.00%
VA
Active
45
$985,000$261,806 equity gap
Rate
3.00%
7.18%today
Payment
$3,461/mo
$5,561today
  • 3beds
  • 3baths
  • 2,912sqft

6505 Horse Haven Ln, Emmett

18227 Rain Dance Way, Nampa, ID, 83687 — assumable FHA mortgage at 3.75%
FHA
Active
50
$534,900$46,932 equity gap
Rate
3.75%
7.18%today
Payment
$2,310/mo
$3,378today
  • 4beds
  • 3baths
  • 2,272sqft

18227 Rain Dance Way, Nampa

2048 E 3050 S, Wendell, ID, 83355 — assumable VA mortgage at 3.06%
VA
Active
50
$489,900$140,688 equity gap
Rate
3.06%
7.18%today
Payment
$1,678/mo
$2,676today
  • 3beds
  • 2baths
  • 2,320sqft

2048 E 3050 S, Wendell

2048 E 3050 S, Wendell, ID, 83355 — assumable VA mortgage at 3.06%
VA
Active
50
$489,900$140,688 equity gap
Rate
3.06%
7.18%today
Payment
$1,678/mo
$2,676today
  • 3beds
  • 2baths
  • 2,320sqft

2048 E 3050 S, Wendell

880 Isaac Lane, Mountain Home, ID, 83647 — assumable VA mortgage at 3.06%
VA
Active
19
$409,999$106,375 equity gap
Rate
3.06%
7.18%today
Payment
$1,459/mo
$2,327today
  • 4beds
  • 3baths
  • 2,094sqft

880 Isaac Lane, Mountain Home

417 Elk Creek Rd, Idaho City, ID, 83631 — assumable FHA mortgage at 3.07%
FHA
Active
43
$505,000$131,710 equity gap
Rate
3.07%
7.18%today
Payment
$1,772/mo
$2,822today
  • 4beds
  • 3baths
  • 2,089sqft

417 Elk Creek Rd, Idaho City

17441 Upper Pleasant Ridge Rd, Caldwell, ID, 83607 — assumable VA mortgage at 3.07%
VA
Active
48
$660,000$187,625 equity gap
Rate
3.07%
7.18%today
Payment
$2,238/mo
$3,563today
  • 5beds
  • 2baths
  • 1,794sqft

17441 Upper Pleasant Ridge Rd, Caldwell

9654 W Carolina Drive, Boise, ID, 83709 — assumable VA mortgage at 3.07%
VA
Active
44
$634,900$163,106 equity gap
Rate
3.07%
7.18%today
Payment
$2,240/mo
$3,567today
  • 4beds
  • 3baths
  • 2,344sqft

9654 W Carolina Drive, Boise

1856 Phillips Avenue, Butte, MT, 59701 — assumable VA mortgage at 3.08%
VA
Active
21
$275,000$68,969 equity gap
Rate
3.08%
7.18%today
Payment
$997/mo
$1,585today
  • 2beds
  • 1baths
  • 937sqft

1856 Phillips Avenue, Butte

Assuming a mortgage in Idaho

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour.

Lowest existing rate
1.75%
Lowest existing payment
$303/mo
Median cash to assume
$194,353
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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