Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in Idaho

200 homesVA & FHA loansrates from 1.75% vs 7.40% 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%
7.40%today
Payment
$3,685/mo
$5,885today
  • 5beds
  • 4baths
  • 3,287sqft

4263 Da Vinci Way, Meridian

2166 Sandalwood Dr, Meridian, ID, 83646 — assumable VA mortgage at 2.80%
VATop pick
Active
27
$525,000$38,663 equity gap
Rate
2.80%
7.40%today
Payment
$2,256/mo
$3,801today
  • 4beds
  • 2baths
  • 2,359sqft

2166 Sandalwood Dr, Meridian

8374 W Falling Star St, Boise, ID, 83709 — assumable FHA mortgage at 2.77%
FHA
Active
48
$419,900$64,861 equity gap
Rate
2.77%
7.40%today
Payment
$1,638/mo
$2,770today
  • 3beds
  • 2baths
  • 1,383sqft

8374 W Falling Star St, Boise

16580 Spartan Ave, Caldwell, ID, 83607 — assumable VA mortgage at 2.80%
VA
Active
30
$425,000$57,398 equity gap
Rate
2.80%
7.40%today
Payment
$1,705/mo
$2,873today
  • 4beds
  • 3baths
  • 2,346sqft

16580 Spartan Ave, Caldwell

1997 Gull Cove Pl, Meridian, ID, 83642 — assumable FHA mortgage at 2.87%
FHA
Active
45
$424,900$80,121 equity gap
Rate
2.87%
7.40%today
Payment
$1,608/mo
$2,685today
  • 3beds
  • 2baths
  • 1,421sqft

1997 Gull Cove Pl, Meridian

33 Turkey Lane, Boise, ID, 83716 — assumable VA mortgage at 2.88%
VA
Active
23
$329,999$66,289 equity gap
Rate
2.88%
7.40%today
Payment
$1,226/mo
$2,044today
  • 4beds
  • 2baths
  • 1,620sqft

33 Turkey Lane, Boise

6827 Ashland, Boise, ID, 83709 — assumable FHA mortgage at 2.90%
FHA
Active
24
$463,000$88,316 equity gap
Rate
2.90%
7.40%today
Payment
$1,757/mo
$2,923today
  • 4beds
  • 3baths
  • 1,486sqft

6827 Ashland, Boise

2419 Sugar Cane Drive, Nampa, ID, 83687 — assumable FHA mortgage at 2.93%
FHA
Active
13
$295,000$52,307 equity gap
Rate
2.93%
7.40%today
Payment
$1,145/mo
$1,897today
  • 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$52,126 equity gap
Rate
2.96%
7.40%today
Payment
$1,697/mo
$2,801today
  • 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%
7.40%today
Payment
$1,290/mo
$2,123today
  • 3beds
  • 2baths
  • 1,211sqft

2309 Carter Ct, Caldwell

1445 Kyle Street, Mountain Home, ID, 83647 — assumable VA mortgage at 2.98%
VA
Active
23
$359,900$65,928 equity gap
Rate
2.98%
7.40%today
Payment
$1,394/mo
$2,295today
  • 4beds
  • 2baths
  • 1,504sqft

1445 Kyle Street, Mountain Home

12871 Carkhill St., Caldwell, ID, 83607 — assumable FHA mortgage at 3.55%
FHA
Active
19
$370,000Potential short sale
Rate
3.55%
7.40%today
Payment
$1,934/mo
$2,963today
  • 4beds
  • 2baths
  • 1,845sqft

12871 Carkhill St., Caldwell

321 Dennis Drive, Burley, ID, 83318 — assumable VA mortgage at 3.09%
VA
Active
38
$299,900$57,345 equity gap
Rate
3.09%
7.40%today
Payment
$1,151/mo
$1,869today
  • 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$77,946 equity gap
Rate
3.10%
7.40%today
Payment
$1,784/mo
$2,893today
  • 4beds
  • 3baths
  • 2,200sqft

110 Liberty Lane, Kamiah

1690 Miner St, Mountain Home, ID, 83647 — assumable VA mortgage at 3.11%
VA
Active
29
$435,000$87,887 equity gap
Rate
3.11%
7.40%today
Payment
$1,651/mo
$2,674today
  • 4beds
  • 2baths
  • 2,133sqft

1690 Miner St, Mountain Home

10393 Millgrain St., Nampa, ID, 83687 — assumable VA mortgage at 3.22%
VA
Active
45
$699,000$101,110 equity gap
Rate
3.22%
7.40%today
Payment
$2,861/mo
$4,569today
  • 3beds
  • 3baths
  • 2,765sqft

10393 Millgrain St., Nampa

19643 Nanticoke Ave, Caldwell, ID, 83605 — assumable VA mortgage at 3.22%
VA
Active
23
$399,900$60,861 equity gap
Rate
3.22%
7.40%today
Payment
$1,626/mo
$2,596today
  • 3beds
  • 2baths
  • 1,479sqft

19643 Nanticoke Ave, Caldwell

3567 S. Avondale Ave., Nampa, ID, 83686 — assumable FHA mortgage at 3.56%
FHA
Active
47
$497,000$46,300 equity gap
Rate
3.56%
7.40%today
Payment
$2,243/mo
$3,433today
  • 5beds
  • 3baths
  • 2,738sqft

3567 S. Avondale Ave., Nampa

544 Knights Circle, Nampa, ID, 83687 — assumable FHA mortgage at 3.69%
FHA
Active
27
$345,900$32,302 equity gap
Rate
3.69%
7.40%today
Payment
$1,580/mo
$2,379today
  • 3beds
  • 2baths
  • 950sqft

544 Knights Circle, Nampa

412 S 13th Street #110, Boise, ID, 83702 — assumable VA mortgage at 2.74%
VA
Active
30
$399,900$102,351 equity gap
Rate
2.74%
7.40%today
Payment
$1,387/mo
$2,356today
  • 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%
7.40%today
Payment
$1,306/mo
$2,209today
  • 3beds
  • 2baths
  • 1,258sqft

3971 Sugar Creek Dr, Meridian

1320 New York, Middleton, ID, 83644 — assumable FHA mortgage at 2.77%
FHA
Active
34
$399,000$117,306 equity gap
Rate
2.77%
7.40%today
Payment
$1,299/mo
$2,198today
  • 3beds
  • 3baths
  • 1,528sqft

1320 New York, Middleton

1045 Julia Street, Mountain Home, ID, 83647 — assumable VA mortgage at 2.78%
VA
Active
47
$430,000$108,933 equity gap
Rate
2.78%
7.40%today
Payment
$1,486/mo
$2,511today
  • 3beds
  • 2baths
  • 1,635sqft

1045 Julia Street, Mountain Home

2357 Haw Creek Blvd., Emmett, ID, 83617 — assumable VA mortgage at 2.79%
VA
Active
50
$599,900$163,258 equity gap
Rate
2.79%
7.40%today
Payment
$2,052/mo
$3,462today
  • 4beds
  • 2baths
  • 2,131sqft

2357 Haw Creek Blvd., Emmett

143 East Blvd, New Plymouth, ID, 83655 — assumable FHA mortgage at 2.84%
FHA
Active
45
$389,900$80,204 equity gap
Rate
2.84%
7.40%today
Payment
$1,440/mo
$2,413today
  • 3beds
  • 1baths
  • 1,943sqft

143 East Blvd, New Plymouth

14256 Pearl Pointe Dr, Caldwell, ID, 83607 — assumable VA mortgage at 2.86%
VA
Active
21
$427,500$114,827 equity gap
Rate
2.86%
7.40%today
Payment
$1,453/mo
$2,430today
  • 4beds
  • 3baths
  • 2,315sqft

14256 Pearl Pointe Dr, Caldwell

805 Miner, Mountain Home, ID, 83647 — assumable VA mortgage at 2.86%
VA
Active
42
$415,000$97,945 equity gap
Rate
2.86%
7.40%today
Payment
$1,474/mo
$2,464today
  • 4beds
  • 3baths
  • 2,054sqft

805 Miner, Mountain Home

917 15th Dr, Rupert, ID, 83350 — assumable FHA mortgage at 2.87%
FHA
Active
9
$295,000$81,150 equity gap
Rate
2.87%
7.40%today
Payment
$997/mo
$1,666today
  • 4beds
  • 2baths
  • 1,872sqft

917 15th Dr, Rupert

1407 Diadora Ave, Eagle, ID, 83616 — assumable VA mortgage at 2.88%
VA
Active
42
$800,000$171,838 equity gap
Rate
2.88%
7.40%today
Payment
$2,926/mo
$4,881today
  • 3beds
  • 3baths
  • 2,576sqft

1407 Diadora Ave, Eagle

306 Rio Vista Blvd, McCall, ID, 83638 — assumable VA mortgage at 2.88%
VA
Active
39
$745,000$207,911 equity gap
Rate
2.88%
7.40%today
Payment
$2,491/mo
$4,154today
  • 3beds
  • 2baths
  • 1,236sqft

306 Rio Vista Blvd, McCall

11555 W Pathview St, Star, ID, 83669 — assumable VA mortgage at 2.90%
VA
Active
43
$749,999$200,677 equity gap
Rate
2.90%
7.40%today
Payment
$2,576/mo
$4,286today
  • 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$207,086 equity gap
Rate
2.94%
7.40%today
Payment
$3,272/mo
$5,414today
  • 4beds
  • 3baths
  • 3,824sqft

884 Wapiti Mountain Road, Butte

6505 Horse Haven Ln, Emmett, ID, 83617 — assumable VA mortgage at 3.00%
VA
Active
45
$985,000$260,157 equity gap
Rate
3.00%
7.40%today
Payment
$3,461/mo
$5,683today
  • 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$46,150 equity gap
Rate
3.75%
7.40%today
Payment
$2,310/mo
$3,453today
  • 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%
7.40%today
Payment
$1,678/mo
$2,735today
  • 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%
7.40%today
Payment
$1,678/mo
$2,735today
  • 3beds
  • 2baths
  • 2,320sqft

2048 E 3050 S, Wendell

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 7.40%), so you can see the saving before you tour.

Lowest existing rate
1.75%
Lowest existing payment
$398 /mo
Median cash to assume
$197,564
Chris Prendergast

Chris Prendergast

20 Degrees North

chris@20degreesn.com+1808388555520 Degrees North logo
Equal Housing Opportunity

20 Degrees North 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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