Assumption Clock

M&T Bank assumption timeline

1 community report · #7 fastest of 12 servicers.

Median
46 d
Average
1.5 mo
Range
46–46 d

Average days by loan type

Loan typeReportsMedianAverage
VA146 d46 d

Common holdups

  • VA entitlement or VA approval1×

Reports

AllFHAVAUSDAConventional
  • VA46 days

    Sellers: VA assumption with M&T Bank "closed on day 46"; entitlement restoration quoted another 4–6 weeks.

    • VA entitlement or VA approval
    Reported by a sellerPosted 2026-10Source: r/HomeLoans (u/Cnachat)

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M&T Bank assumption timeline — how long it really takes · Assumption Clock