2.70% VA
$115,000
$470/mo
1560 Opal Lane
Bullhead City, AZ
3 bd2 ba1,356 sqft
Laughlin, Nevada
Keep the rate.
Buy the home in Laughlin.
13 assumable homes for sale in Laughlin, with locked rates from 2.80%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.17%
vs 7.2% market
$519/mo saved
Median locked rate
4.17%
Across 13 assumable listings
Typical monthly savings
$519
On a $330,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Laughlin
Homes with a rate worth keeping
2.87% FHA
$412,000
$1,502/mo
2101 Mesa Vista Place
Fort Mohave, AZ
3 bd2 ba2,155 sqft
2.98% FHA
$330,000
$1,301/mo
2850 Country Club Drive
Bullhead City, AZ
3 bd3 ba2,010 sqft
3.14% VA
$294,900
$1,191/mo
3078 Milano Drive
Bullhead City, AZ
2 bd2 ba1,355 sqft
2.74% VA
$389,000
$1,315/mo
489 Wagon Wheel Drive Drive
Bullhead City, AZ
3 bd2 ba1,893 sqft
2.74% FHA
$339,900
$1,181/mo
5532 Club House Court
Fort Mohave, AZ
3 bd2 ba1,816 sqft
Inventory snapshot
What’s assumable in Laughlin right now
Live counts from the MLS feeds we index for Nevada. Updated September 2026.
- Active listings
- 13
- Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 4.17%
- Median list price
- $330,000
- Median cash to assume
- $102,766
Listings by locked rate
- Under 4%5 homes
- 4% – 5%4 homes
- 5% – 6%0 homes
- 6% and up4 homes
Listings by loan type
- VA9 homesmedian 4.47%
- FHA4 homesmedian 4.14%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Laughlin ZIP code
Nearby markets
More assumable homes in Nevada
- Las Vegas1,076
- North Las Vegas371
- Henderson292
- Pahrump113
- Boulder City7
- Ely7
- Indian Springs7
- Mesquite7
- Logandale4
- Overton2
- Alamo1
- Cold Creek1
- Jean1
- Moapa1
- Sandy Valley1
- Tonopah1
- Amargosa Valley
- Beatty
- Blue Diamond
- Cal Nev Ari
- Caliente
- Carson City
- Dyer
- Elko
Run your numbers
The cost of waiting in Laughlin.
A 7.2% new loan against an assumable one at 4.17%, same balance, 30 years.
You keep every month
$506/mo
Over a year$6,067
Monthly payment, side by side
7.2% vs 4.17%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Laughlin
Numbers below come from current Laughlin inventory and update as listings change.
- How many assumable homes are for sale in Laughlin?
- As of September 2026, UMe tracks 13 active assumable listings in Laughlin. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Laughlin?
- Current Laughlin inventory breaks down as VA (9, median 4.47%) and FHA (4, median 4.14%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Laughlin right now?
- The lowest rate on an active Laughlin assumable listing is 2.80%, and the median across all 13 listings is 4.17%. 5 listings are under 4% and 9 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Laughlin?
- Across current Laughlin listings, the median principal-and-interest payment on the assumable loan is $933 per month versus $1,452 for the same balance at today's rates, a difference of about $519 every month, or $6,224 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Laughlin?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Laughlin that gap is currently a median of $102,766 on a median list price of $330,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Laughlin ZIP codes have the most assumable homes?
- The Laughlin ZIP codes with the most active assumable listings are 89029 (13). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Laughlin?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Laughlin.
Every listing on the map has a rate you can take over. Start with the ones in Nevada, or list your own low-rate loan and let buyers come to you.
