topic Re: Assuming a past due mortgage in Mortgage Loans

Assuming a past due mortgage

Jeffiner — Sat, 14 Feb 2026 03:08:07 GMT

I am in a situation where my father's mortgage is behind after he passed. I'm trying to work with the mortgage company, who wants me to assume the loan. While I am willing to (I'm living in the house), I can only imagine that it would IMMEDIATELY tank any credit I have. I am trying to find out if someone is added to the loan later, does the credit reporting pick up then or do they add historical information from before the person was added? So for example, if the account is brought current, then I am added to it, would those X months where it was in a forebearance and not paid for 10 months would be added to MY credit score or would it start from the time I was added?

Re: Assuming a past due mortgage

Gene742Nelson — Wed, 18 Feb 2026 04:21:11 GMT

Hello! servicetitan

When you assume a mortgage, credit reporting usually starts from the point you become legally responsible for the loan. Past missed payments tied to your father won’t retroactively attach to your credit, but if the loan is still delinquent when you’re added, that negative status will show under your name going forward. If the account is brought current first, your credit report should reflect it as current from the time you assume it. It’s best to confirm with the lender how they report assumed loans before proceeding.

Re: Assuming a past due mortgage

pizzadude — Tue, 17 Feb 2026 14:56:17 GMT

Moved to Mortgage Loans

Re: Assuming a past due mortgage

Patient957 — Tue, 17 Feb 2026 15:12:50 GMT

@Gene742Nelson wrote:
Hello!
When you assume a mortgage, credit reporting usually starts from the point you become legally responsible for the loan. Past missed payments tied to your father won’t retroactively attach to your credit, but if the loan is still delinquent when you’re added, that negative status will show under your name going forward. If the account is brought current first, your credit report should reflect it as current from the time you assume it. It’s best to confirm with the lender how they report assumed loans before proceeding.

When an AI response is actually potentially helpful. (I say potentially, because I don't know if the info is accurate or not. Might very well be accurate, as it makes sense.)

Re: Assuming a past due mortgage

Thomas_Thumb — Tue, 17 Feb 2026 16:14:31 GMT

Agree with the A.I.

Make payments so the mortgage reports as current when assumed.

Re: Assuming a past due mortgage

pizzadude — Tue, 17 Feb 2026 15:42:06 GMT

@Thomas_Thumb wrote:
Agree with the A.I.

Make payments so the mortgage reports as current when assumed.

That makes sense, but also I'd assume that the creditor would require the loan to be brought current before allowing it to be assumed ?

Re: Assuming a past due mortgage

Thomas_Thumb — Tue, 17 Feb 2026 16:09:50 GMT

Good point.

A loan assumption should require bringing the loan current and payment history for the OP would start with assumption.

However, after re-reading the initial post the OP mentions "being added" to the loan. Not sure if that means assumption.

Re: Assuming a past due mortgage

pizzadude — Tue, 17 Feb 2026 15:54:38 GMT

@Thomas_Thumb wrote:
Good point.
I edited my above post. The OP is not assuming the loan but rather being added to it as a cosigner.

I thought the OP said that his father passed away ? That he'd be assuming the loan?

Re: Assuming a past due mortgage

Jeffiner — Tue, 17 Feb 2026 16:00:01 GMT

Yes , that is correct. Father has passed. Assumption is how the mortgage company has been referring to it.