Creative Finance on Assumable FHA Loan?

[Madeline McKune]

Property on the market with an assumable FHA loan at 2.8%. The owner will break even on the sale because they put little down for the FHA loan and all the equity they have will go to their seller's agent. I'm curious if subject to or other creative financing would work here?

The 2.8% interest rate is a great asset and the seller could do better than breakeven with creative finance. I do not want to assume the FHA loan and use my own credit since I have a primary residence and it will push my DTI over 43%.