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Experts Push for Assumable Mortgages to Ease Housing Crisis

2/16/2026

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Summary

Story summary

In 2026, assumable mortgages offer a potential solution for homebuyers facing high interest rates.
These loans let buyers take over sellers' lower-rate mortgages.
About 6 million U.S. homes have such mortgages with rates below 5%, but a significant cash down payment and lengthy transfer complicate them.
Experts propose making more conventional mortgages assumable to ease gridlock and expand access to affordable housing.

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Story summary

In 2026, assumable mortgages offer a potential solution for homebuyers facing high interest rates.
These loans let buyers take over sellers' lower-rate mortgages.
About 6 million U.S. homes have such mortgages with rates below 5%, but a significant cash down payment and lengthy transfer complicate them.
Experts propose making more conventional mortgages assumable to ease gridlock and expand access to affordable housing.