Assumable loan?

I was wondering if anyone had gotten an assumable loan? If they’re worth it? If they suck? All the pros and cons. Basically there’s a house with an assumable loan that has 360k less. The asking price is 499k. I could put about 100k down but don’t have the full amount to cover the difference. I would have to get a second mortgage for this, which I’m worried about. However the monthly payment would only be about 1900 which is waaaayyy lower than what it would be without the assumable loan. Worth it or not?