Current Oahu Assumable Loan Listings

Updated November 2, 2026

This issue covers 41 single family homes and 77 condos and townhomes on Oahu with assumable loans. The lists live on the MLS portal and open in a new tab. MLS caps each list at 50 properties, which is why there are three.

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Before you fall in love with a rate

Most assumable loans on Oahu are VA or FHA. The part that stops most deals is the gap: you cover the difference between the sale price and the seller’s remaining loan balance, in cash or through a second. On a property that has appreciated, that gap is often larger than a buyer’s savings.

A non VA buyer can often assume a VA loan with servicer approval. What does not transfer is the seller’s entitlement, which stays tied up until the loan is paid off, so some VA sellers will only accept a VA buyer who substitutes their own.

If nothing here fits, that is normal. Assumable inventory is thin, and there are other ways to reach a lower monthly payment. Reply and tell me the areas and price range you are watching and I will tell you honestly what is realistic.

Aksana Tupalskaya, REALTOR® (S) RS-85710 · Island Living Oahu of Keller Williams Honolulu RB-21303 · 808.990.7141