It was assumable, however, last year we went through a 'Loss Mitigation' process to lower our mortgage payments. After following the guidelines, we were approved for the new mortgage payment. This new loan was divided, we owe the Mortgage Company 'said $ amount' until a certain year. Then we owe HUD the balance, kind of like a balloon payment. So I am thinking that this would change the loan and make it not able to be assumable. So, if I would sell the home, both loans would have to be paid in full.

Thank you for your reply and best wishes. I can't tell you how much I wish this was over yesterday.