USDA loans are assumable, but they come with a catch most people do not find out until they are already three weeks into the process. Ryan lays it out straight. Unlike FHA and VA, most USDA assumptions reset to today's rate, so the seller's 2.75% does not automatically come with the house for a regular buyer. But there is one situation where the original rate does transfer: family. When a home moves between family members on a USDA loan, the rate can come with it, and Ryan walks through exactly what that looks like with real numbers, a $310,000 balance at 2.75% versus the same loan reset to 6.5%, a difference of nearly $700 a month staying inside the family instead of going to the bank. He covers what you still need to qualify, why timeline expectations matter, and where to look when you are not buying from a relative. The same rural and small town areas loaded with USDA loans are also full of FHA and VA loans that do hand you the seller's rate, and 75% of those never show up in a standard search. Knowing the loan type before you fall in love with a property is the whole game. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.