The opportunity
Millions of FHA and VA loans carry rates well below today's market. Every one of them has a gap.
When a buyer assumes an existing government-backed mortgage, they take over the seller's loan balance — not the full purchase price. The difference between the two is the equity gap. That gap must be funded before closing.
Most assumptions fail at this stage — not because the buyer isn't qualified, but because no one has a systematic way to connect the transaction to a lender who can close the gap.
AssumableEquityGap.com exists to solve that problem. We are a B2B facilitation platform connecting affiliate lenders — commercial banks, credit unions, and non-bank mortgage companies — to verified assumable transactions where gap financing is needed.
For Lenders
Access a curated pipeline of qualified gap financing opportunities — pre-screened, documented, and ready for underwriting. No origination competition. No consumer marketing costs.
Automated Matching
Our platform connects your institution to active assumable listings the moment a gap financing need is identified.
Compliant by Design
Facilitator fee is disclosed and collected through closing documents — fully RESPA Section 8(c) compliant.
Live pipeline sample
Active assumable listings with equity gaps
These represent the type of transactions affiliate lenders access on our platform. Properties are listed with existing loan data and calculated gap amounts — ready for gap financing underwriting.
$385,000
4 bd · 2.5 ba · Minneapolis, MN
Loan Type
FHA 30-yr
Assumed Rate
2.875%
Loan Balance
$241,400
Equity Gap
$143,600
$520,000
5 bd · 3 ba · Woodbury, MN
Loan Type
VA 30-yr
Assumed Rate
3.125%
Loan Balance
$388,000
Equity Gap
$132,000
$298,500
3 bd · 2 ba · Eagan, MN
Loan Type
FHA 30-yr
Assumed Rate
3.375%
Loan Balance
$198,200
Equity Gap
$100,300
* Sample listings shown for illustrative purposes. Affiliate members access live verified pipeline data upon platform activation.
The platform in 3 steps
Simple. Automated. Built to close.
Transaction Identified
An assumable FHA or VA listing enters the market with a calculated equity gap. Our platform flags it and notifies matched affiliate lenders automatically.
Affiliate Lender Matches
Your institution reviews the gap amount, property data, and borrower profile. You decide to engage. All legal documents are connected through our coordination layer.
Closes in Parallel
The gap loan closes alongside the assumption. Our 0.5% small facilitator sourcing fee is disclosed and collected through the closing documents — no invoicing, no friction.
Ready to access the pipeline?
Your institution belongs in this marketplace.
Affiliate membership is available to qualified commercial banks, credit unions, and non-bank mortgage lenders processing 25 or more gap loans per year.