How Do I Know an Assumable Buyer Can Actually Close?

The Assumable Guy Show · Sep 3, 2026 · 6m

Tying up your home for 60 to 90 days with a buyer who was never going to make it to the closing table is the fear that keeps sellers from saying yes to assumable offers. Ryan walks through exactly how to vet a buyer before you ever go under contract so that scenario never happens. Three things need to be attached to any assumable offer worth accepting: proof of funds for the equity gap, a pre-qual from a lender showing their income can carry the payment, and an assumption processor named in the offer. An offer without all three is not a serious offer. He also makes the case that assumable…