The short answer is yes. Assumable mortgages do have qualifications.
My advice would be to put together a contract sale. Often times, this requires a down payment, but is a great way to buy a home if you don't qualify for a conventional mortgage.
If you'd like help putting a contract sale together or have us take a closer look at getting you qualified for a new home loan, I'd be happy to help!
Even if you do a contract sale, you'd want to make sure that you'll be able to finance the home on your own in the next two years. Most contract sales have a balloon, which means it must be paid in full within a certain amount of time.
I hope this helps!! I'd love to help further if I can. There are many properties for sale in Urbandale right now, I'm sure there are some properties considering selling on contract.