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Glossary
Last updated on Sep 22, 2022
1 min read

What is Assumability?

Amortizing loans are loans in which part of each payment goes toward interest and part goes toward paying off the principal. In most cases, the the bulk of early monthly payments go toward interest, while the bulk of the later payments go toward the principal. HUD 223(f) loans are fully amortizin

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In this article:
  1. Assumability in Relation to HUD 223(f) Loans
  2. The Benefits of Loan Assumability for HUD 223(f) Loan Borrowers
  3. Get Financing

Assumability in Relation to HUD 223(f) Loans

Assumability is the ability to transfer an outstanding mortgage and its terms from the current owner to a buyer, thus allowing the new buyer to acquire the property without obtaining a new mortgage. In the case of HUD 223(f) loans are fully assumable with lender approval and a 0.05% fee.

The Benefits of Loan Assumability for HUD 223(f) Loan Borrowers

Having an assumable loan can make your property significantly more marketable, especially in an environment where interest rates are rising. This is because a new borrower would not be able to get loan with a comparable interest rate on the open market, and could save a significant amount of money as a result of the loan assumption.

TO LEARN MORE ABOUT FHA 223F LOANS, FILL OUT THE FORM BELOW AND A HUD LENDING EXPERT WILL GET IN TOUCH. 

In this article:
  1. Assumability in Relation to HUD 223(f) Loans
  2. The Benefits of Loan Assumability for HUD 223(f) Loan Borrowers
  3. Get Financing
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