Check the original loan type
Look for FHA, VA, or USDA loans
Ask the seller if the mortgage is assumable
Review the loan documents for an assumption clause
Contact the lender or loan servicer
Ask whether the loan is eligible for assumption
Verify the current loan balance and interest rate
Confirm the assumption requirements and fees
Search real estate listings for assumable mortgage mentions
Work with a real estate agent familiar with assumable loans
Request a payoff statement and mortgage statement
Check whether lender approval is required
Compare the assumed loan terms with current market rates
Review any due-on-sale clause exceptions
Consult a mortgage professional or attorney if needed