FHA
Active
18$180,000$4,504 equity gap
- Rate
- 6.64%
7.40%today- Payment
- $1,159/mo
$1,251today
- 2beds
- 1baths
- 1,562sqft
Siren, Wisconsin
Assumable homes for salein Siren, Wisconsin.
1 home in Siren carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Siren assumable market
by the numbers.
1active assumable listing
6.50%lowest locked rate
$175kmedian list price
$89saved per month vs. 7.2%
About the market
Assumable mortgagesin Siren, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Wisconsin, filtered to Siren. Updated October 2026.
How assumptions work for buyersSiren, Wisconsin has 1 home for sale with an assumable mortgage as of October 2026: 1 VA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Siren assumable listings start at 6.50% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Siren lists for $175,000, with a median of $45,715 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $822 a month versus $911 for the same balance at today's rate, roughly $89 kept every month and $1,069 a year. The most active Siren ZIP codes are 54872 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Siren assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Siren
View all 1 on the map Homes on the marketin Siren.
FHA
Active
50$264,000$46,118 equity gap
- Rate
- 6.30%
7.40%today- Payment
- $1,360/mo
$1,522today
- 3beds
- 2baths
- 1,830sqft
7751 Airport Road, Webster
VA
Active
65$175,000$45,594 equity gap
- Rate
- 6.50%
7.40%today- Payment
- $822/mo
$900today
- 2beds
- 1baths
- 864sqft
24058 Daniel Johnson Road, Siren
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Siren.
Live counts from the MLS feeds we index for Wisconsin. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 6.50%
- Median list price
- $175,000
- Median cash to assume
- $45,715
Siren listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Siren listings by loan type
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Siren ZIP code.
Each ZIP opens the Siren map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Siren numbers
What an assumable ratedoes to a Siren payment.
The sliders start at the median Siren assumable listing: $175,000 list price and a 6.50% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$45,000
26% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Siren
$864/mo
New loan at 7.20%$882
Assumed at 6.50%
$864
Every month$18
Over five years$1,082
Interest you never pay$47,98226-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Siren listing on UMe shows the actual balance, rate, and payment.
How it works in Siren
How to assumea mortgage in Siren.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Siren home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Siren map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $45,715 in Siren today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Siren payment written in a different decade.
Siren questions
Assuming a mortgagein Siren.
The numbers below come from current Siren inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Siren?
As of October 2026, UMe tracks 1 active assumable listing in Siren. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Siren?
Current Siren inventory breaks down as VA (1, median 6.50%). 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 Siren?
The lowest rate on an active Siren assumable listing is 6.50%, and the median across all 1 listing is 6.50%. 0 listings are under 4% and 0 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 Siren?
Across current Siren listings, the median principal-and-interest payment on the assumable loan is $822 per month versus $911 for the same balance at today's rates, a difference of about $89 every month, or $1,069 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 Siren?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Siren that gap is currently a median of $45,715 on a median list price of $175,000. 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 Siren ZIP codes have the most assumable homes?
The Siren ZIP codes with the most active assumable listings are 54872 (1). 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 Siren?
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 Siren.The rate is already on the house.
Every listing on the Siren map has a rate you can take over. Start with the ones in Siren, get pre-qualified in minutes, and let UMe carry the assumption to closing.
