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Updated over 1 year ago on . Most recent reply

Tim Jones's profile image
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Tim Jones
  • Flipper/Rehabber
  • from Merced, CA
  • Member since Sep 19, 2016
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Tim Jones's profile image
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Tim Jones
  • Flipper/Rehabber
  • from Merced, CA
  • Member since Sep 19, 2016
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Tim Jones
  • Flipper/Rehabber
  • Merced, CA
115
Votes |
221
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Private Lending & Conventional Mortgage Advice

Assumable loan vs Subject To

Tim Jones
  • Flipper/Rehabber
  • Merced, CA
Posted

Hello,

I'm looking to understand the difference between an (FHA, VA, etc) assumable loan and a Subject To (an existing mortgage). Thank you for your time and consideration.


TJ

Modesto/Merced, California
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Yu Liu's profile image
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Yu Liu
  • Investor
  • from Tallahassee
  • Member since Jul 16, 2019
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Yu Liu's profile image
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Yu Liu
  • Investor
  • from Tallahassee
  • Member since Jul 16, 2019
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Yu Liu
  • Investor
  • Tallahassee
93
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249
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Yu Liu
  • Investor
  • Tallahassee
Replied

Assumable loans remove the seller from the loan and subject to keeps the sellers on the loan. 

Assumable: buyer "assumes" or takes over the existing loan

Subject to: buyer buys "subject to" the conditions of the previous loan and makes payments typically to a 3rd party who pays the existing loan and not directly to seller. Seller still has their name on the loan

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