Oahu · Active VA assumable listings
Get the list of Oahu homes with VA loans you can assume
Active listings on the market right now, each with an assumable VA loan. Free and updated weekly.
- Homes with loans you can take over
- Instant access to the live search after you submit
- Built for service members and PCS buyers
12+ years working with service members · 50+ five-star reviews
See the listings now
Free. Opens the live list right after you submit.
Fill Out the Form to See VA Assumable Listings Instantly
Watch this first
What the list is, in two minutes
How it works
Three steps to your list
- 1
Fill out the short form
Takes under a minute. It is free.
- 2
Open your live list
See active Oahu homes with assumable VA loans, right now.
- 3
Talk through the numbers
Our team can walk you through any home on the list.
Sample view. Active listings change weekly.
What is a VA assumable loan?
Buy the house. Keep the rate.
A qualified buyer takes over the seller's existing VA mortgage, including the balance, rate and remaining term, instead of getting a new loan. The loan servicer approves the buyer's income, credit and debt-to-income.
The buyer pays the difference between the purchase price and loan balance in cash or with secondary financing. Approval typically takes 45 to 90 days.
Non-veterans can assume VA loans, but the seller's VA entitlement may stay tied up unless an eligible veteran substitutes theirs.
2% to 4%
Rates on many Hawaii VA loans from 2020 to 2022
7.40%
Average 30-year rate. Freddie Mac, Oct 8, 2026. A benchmark, not a VA or conventional loan quote.
Assumable vs. new loans
| Comparison | VA assumable | New VA | Conventional |
|---|---|---|---|
| Interest rate | Seller's existing rate. Many 2020 to 2022 loans: 2% to 4%. | A new loan at current market rates. | A new loan at current market rates. |
| Cash needed | Price minus loan balance, plus closing costs. Secondary financing may be possible. | Often no down payment for eligible buyers. Closing costs and eligibility apply. | Down payment and closing costs. Amount varies by program. |
| Approval | Existing servicer approves income, credit and debt-to-income. Usually 45 to 90 days. | Your chosen VA lender, on a standard purchase timeline. | Your chosen lender, on a standard purchase timeline. |
| Appraisal | Often skipped, subject to servicer requirements. | Generally required. | Generally required. |
| Who can buy | Qualified veterans and non-veterans. Entitlement needs review. | Buyers with VA eligibility who meet lender requirements. | Any buyer who meets lender and program requirements. |
Example for illustration only. Your numbers will differ.
Typical assumable rate
2.75%
Average 30-year rate
7.40%
Freddie Mac, Oct 8, 2026. A benchmark, not a VA or conventional loan quote.
Cash or secondary financing
About $200,000
$900,000 purchase price minus $700,000 loan balance. Closing costs are additional.
Estimated monthly savings
About $1,990
Principal and interest on $700,000 at 2.75% vs. 7.40%, both over 30 years. Taxes, insurance and secondary financing excluded.
An assumed loan keeps its actual remaining term. We compare your real cash gap and payment before you make an offer.
VA Assumable Deep Dives
Team Raja That
12+ years with VA buyers and service members
Patrick Longley and Team Raja That specialize in VA loans, PCS moves, and Oahu relocation.
Your questions, answered
Do I have to be a veteran to assume a VA loan?
No. Qualified non-veteran buyers can assume a VA loan too. The seller's VA entitlement stays tied to the loan until it's paid off unless a veteran buyer substitutes theirs, so we cover that with you up front.
Will I get the seller's interest rate?
Yes, an approved assumption keeps the existing mortgage's rate and remaining term. Confirm the actual loan terms with the servicer before making an offer.
Do I need a down payment?
You usually need to cover the difference between the purchase price and the remaining loan balance, plus closing costs. That cash gap can be substantial, even though you are assuming a VA loan.
How long does a VA assumption take?
Typically 45 to 90 days, sometimes longer. The existing loan servicer handles approval, so you generally cannot use your own lender to process the assumption.
Get the list of Oahu homes with VA loans you can assume
Free. Active listings. Updated weekly.
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs. Patrick Longley, RS-79679, eXp Realty Hawaii.
Equal Housing Opportunity. We follow Fair Housing laws and provide equal service without discrimination.