8 Oahu Homes with Assumable Loans – Allowing anyone to Take Over a Low Interest Rate!

January 2025 list
​Oahu Homes with Assumable Loans

Looking for a way to secure a lower mortgage rate in today’s market? This month’s list features 8 Oahu homes for sale with assumable VA loans, where the seller is willing to transfer their low-interest loan to any qualified buyer—no VA eligibility required! That means you don’t have to be a veteran to take advantage of these lower rates. The catch? Buyers must cover the difference between the loan balance and the purchase price in cash. Scroll down to explore these rare opportunities and see if one of these homes is the perfect fit for you!

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1. Kailua, Hawaii

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List Price: $1,250,000
4.5% interest rate on remaining balance of the loan. 
Call me to request the loan balance and monthly payment! 
808-989-8183

2. Mililani, Hawaii

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Asking Price: $2,200,000
2.25% Rate on remaining balance of the loan. 
Listing description Includes balance of the loan at approximately $844,000. This means you need to have $1,356,000 to cover the gap. If you can do that, you can probably buy the whole thing in cash, no? 

​Call me to schedule a showing 808-989-8183

3. Haleiwa, Oahu - Hawaii

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Asking Price: $6,500,000
This listing does not share the loan information. If you want to get the inside scoops on this property, call me! 808-989-8183
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4. Upper Makakilo, Kapolei, Oahu 

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Asking Price: $1,725,000
Approximate Loan Balance $700,000 
So yes, there is about a 1 million dollar gap. 
2.375% Interest Rate
​Call me for more Info or to schedule a showing 808-989-8183
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5. Ewa (Kapolei side) Oahu - Hawaii

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Asking price: $949,000
Seller Is offering a $10,000 credit to buyer at closing! 
AND allowing anyone, not just VA buyers, a chance to assume the existing loan and lower interest rate. Call me get the loan balance and interest rate on this 4 bedroom 3 bath Townhouse  808-989-8183
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6. Makakilo, Kapolei Hawaii

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Asking Price: $1,390,000
You get a great view with this assumable loan, but the balance and interest rate are being kept private from the world wide web. The ability to assume the loan without VA approval depends on the timeline. In other words, they don't want escrow to take a long time. Our team helps expedite the escrow process so,
Call me to get these details 808-989-8183
4 bedrooms
3 bathrooms
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7. Ka Makana at Hoakalei, Ewa Beach, Oahu Hawaii

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Asking Price: $1,200,000

Want to check out this 4 bedroom 3 bath with an assumable loan? Call me for the loan balance and interest rate details. 808-989-8183
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8. MAKAKILO-WAI KALOI

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Asking Price: $1,175,000
​This seller is possibly interested in allowing a non-VA take over their loan, if the offer is right. How much is a 3.375% interest rate worth to you? Call me to find out the balance of the loan! 808-989-8183