Both FHA and VA loans are assumable, but the rules are different enough that knowing which one you are dealing with changes your entire strategy. Ryan breaks it down clearly. FHA is open to basically anyone who qualifies, carries a roughly 90% acceptance rate, and is the better tool for owner-occupants and house hackers. VA is more flexible in one big way: if the seller leaves their entitlement, there is no occupancy requirement at all, meaning an investor can rent it out from day one. He also kills the myth that VA loans can only be assumed by veterans, walks through Jeremy's deal where a non-veteran put $15,000 down on a $380,000 home at 2.65% and saved $800 a month compared to a conventional loan, and explains why a bank telling you the loan is not assumable is not the final answer. FHA and VA are different tools for different situations. This episode makes sure you know which one to reach for. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.