If someone assumes my mortgage, am I still on the hook if they stop paying?

The short answer is no, but only if the assumption is done correctly. Ryan breaks down the one document that makes sellers whole: the release of liability. When a buyer assumes an FHA or VA loan the right way, the lender fully underwrites that buyer, approves them the same as any new mortgage, and releases the seller from the debt in writing. If the buyer defaults after that, it lands on the buyer and the lender, not the seller. He also draws a hard line between a real assumption and subject-to, where no lender approval happens, no release gets issued, and the seller's name stays on a mortgage for a house they no longer own. That is the version that ruins credit and locks up VA entitlement indefinitely. For VA sellers specifically, Ryan separates two things most people blur together: the release of liability, which protects your credit, and substitution of entitlement, which is how you get your VA benefit back at closing. You can get the release without getting the entitlement back, and those require different paperwork. He closes with three concrete steps sellers should take to confirm the release is locked in and their credit reflects it. The fear keeping most sellers from marketing their rate is a paperwork question with a clean answer. The upside is a bigger buyer pool and a higher sale price. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.