{"level":"city","collection":"Assumable Atlas","name":"Kapolei","state":"HI","state_name":"Hawaii","page":"https://www.retrorate.com/assumable-mortgages/hawaii/kapolei","parent":{"name":"Hawaii","page":"https://www.retrorate.com/assumable-mortgages/hawaii"},"counted_as_of":"2026-11-09","market_rate":{"value":7.087,"label":"average 30-year fixed rate","as_of":"2026-11-09","source":"Optimal Blue Mortgage Market Indices (OBMMI)"},"savings_basis":{"comparison":"the assumable loan against a new loan for the same amount, at the same cash to close","includes":"principal and interest only","remaining_term_years":25,"remaining_term_assumed":true},"coverage":{"tier":"B","on_market":"off-market only: counts cover homes with a mortgage carrying an assumable loan"},"figures":{"assumable_homes":3142,"assumable_homes_fha":370,"assumable_homes_va":2772,"fha_share":11.8,"va_share":88.2,"avg_assumable_rate":4.11,"avg_balance":589734,"avg_monthly_savings":809,"rate_point_monthly":337,"rate_bands":{"under_2":0,"2_to_3":1133,"3_to_4":744,"4_to_5":292,"5_to_6":375,"6_and_over":598}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[]},"terms":{"publisher":"RetroRate (Assumable Technologies Inc.)","source":"RetroRate production data, from public data sources and county records","attribution":"Cite as RetroRate, with a link to the page URL.","contact":"press@retrorate.com","documentation":"https://www.retrorate.com/assumable-mortgages"}}