2.00% VA
$221,900
$798/mo
1800 Edmond Street
Las Vegas, NV
2 bd2 ba926 sqft
North Las Vegas, Nevada
Keep the rate.
Buy the home in North Las Vegas.
371 assumable homes for sale in North Las Vegas, with locked rates from 2.20%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.63%
vs 7.2% market
$602/mo saved
Median locked rate
4.63%
Across 371 assumable listings
Typical monthly savings
$602
On a $429,000 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 North Las Vegas
Homes with a rate worth keeping
3.07% FHA
$200,000
$860/mo
5250 Rainbow Boulevard
Las Vegas, NV
1 bd1 ba744 sqft
3.10% VA
$228,000
$983/mo
6800 Elm Creek Drive
Las Vegas, NV
2 bd2 ba1,137 sqft
3.45% VA
$415,000
$1,942/mo
3979 Salisbury Place
Las Vegas, NV
4 bd3 ba2,303 sqft
2.75% VA
$560,000
$2,082/mo
7612 Linton Street
North Las Vegas, NV
4 bd3 ba2,906 sqft
2.84% FHA
$319,500
$1,318/mo
3711 Casey Drive
Las Vegas, NV
3 bd2 ba1,755 sqft
Inventory snapshot
What’s assumable in North Las Vegas right now
Live counts from the MLS feeds we index for Nevada. Updated September 2026.
- Active listings
- 371
- Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 4.63%
- Median list price
- $429,000
- Median cash to assume
- $122,402
Listings by locked rate
- Under 4%156 homes
- 4% – 5%38 homes
- 5% – 6%32 homes
- 6% and up140 homes
Listings by loan type
- VA209 homesmedian 4.31%
- FHA162 homesmedian 4.97%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by North Las Vegas ZIP code
- 89084
102 assumable homes · median 4.98%
median $450,000
- 89031
89 assumable homes · median 4.13%
median $430,000
- 89081
73 assumable homes · median 5.22%
median $430,000
- 89032
45 assumable homes · median 4.48%
median $420,000
- 89086
37 assumable homes · median 5.52%
median $365,000
- 89030
19 assumable homes · median 4.96%
median $344,900
- 89085
5 assumable homes · median 3.85%
median $490,000
- 89115
1 assumable home · median 6.62%
median $475,000
Nearby markets
More assumable homes in Nevada
- Las Vegas1,076
- Henderson292
- Pahrump113
- Laughlin13
- 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 North Las Vegas.
A 7.2% new loan against an assumable one at 4.63%, same balance, 30 years.
You keep every month
$565/mo
Over a year$6,784
Monthly payment, side by side
7.2% vs 4.63%
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 North Las Vegas
Numbers below come from current North Las Vegas inventory and update as listings change.
- How many assumable homes are for sale in North Las Vegas?
- As of September 2026, UMe tracks 371 active assumable listings in North Las Vegas. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in North Las Vegas?
- Current North Las Vegas inventory breaks down as VA (209, median 4.31%) and FHA (162, median 4.97%). 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 North Las Vegas right now?
- The lowest rate on an active North Las Vegas assumable listing is 2.20%, and the median across all 371 listings is 4.63%. 156 listings are under 4% and 194 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 North Las Vegas?
- Across current North Las Vegas listings, the median principal-and-interest payment on the assumable loan is $1,713 per month versus $2,315 for the same balance at today's rates, a difference of about $602 every month, or $7,222 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 North Las Vegas?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In North Las Vegas that gap is currently a median of $122,402 on a median list price of $429,000. 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 North Las Vegas ZIP codes have the most assumable homes?
- The North Las Vegas ZIP codes with the most active assumable listings are 89084 (102), 89031 (89), 89081 (73), 89032 (45), and 89086 (37). 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 North Las Vegas?
- 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 North Las Vegas.
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.
