All FHA and VA mortgages are assumable and there are about 9 million of them across the country. There's no need to check the mortgage documents for these type of loans. They are assumable by Federal law. There's also no mystery about the requirements to assume. The buyer has to pass current credit conditions for whichever type of loan they assume, FHA or VA. These mortgages are not even that hard to find any more with websites that offer searches of homes for sale that have assumable mortgages such as zumption.