Why would you want someone to assume your mortgage as opposing to just selling the home??
Assuming a mortgage is a tough one. First of all, to my knowledge the only assumable mortgages are FHA loans and some types of ARMS. Second, a lot depends on the value of the home. If you indeed did purchase the home with FHA financing - lets say 3 yrs ago for example - then there is a distinct possiblity the home is worth less than you owe on it. Now why would someone assume a loan on a home that is not worth what is owed? Thirdly, anyone assuming the loan would have to be qualified through the lender to assume the loan. I would think anyone in the position of being able to qualify anyway would rather just purchase the home and get their own mortgage. There really isnt much cost savings and rates are just as low now as they've been within the last several years.
If you'd like to elaborate on your situation please email me and I'll see if I can give you any more pointed advice. email@example.com