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Assumable homes for sale in North Carolina

200 homesFHA & VA loansrates from 2.20% vs 7.40% today

North Carolina assumption guide
105 Lillian St, McMinnville, TN, 37110 — assumable FHA mortgage at 2.86%
FHA
Active
27
$234,999$33,418 equity gap
Rate
2.86%
7.40%today
Payment
$923/mo
$1,543today
  • 4beds
  • 2baths
  • 1,664sqft

105 Lillian St, McMinnville

359 County Road 675, Athens, TN, 37303 — assumable VA mortgage at 2.88%
VA
Active
23
$365,900$70,043 equity gap
Rate
2.88%
7.40%today
Payment
$1,378/mo
$2,299today
  • 3beds
  • 3baths
  • 2,363sqft

359 County Road 675, Athens

250 Redbird Ln, Rutledge, TN, 37861 — assumable VA mortgage at 2.97%
VA
Active
$259,900$46,419 equity gap
Rate
2.97%
7.40%today
Payment
$1,021/mo
$1,682today
  • 5beds
  • 2baths
  • 1,484sqft

250 Redbird Ln, Rutledge

5505 Alabama Avenue, Chattanooga, TN, 37409 — assumable VA mortgage at 2.98%
VA
Active
37
$460,000$73,690 equity gap
Rate
2.98%
7.40%today
Payment
$1,828/mo
$3,010today
  • 3beds
  • 3baths
  • 1,904sqft

5505 Alabama Avenue, Chattanooga

3150 Smoky Ridge Way, Sevierville, TN, 37862 — assumable FHA mortgage at 3.76%
FHA
Active
45
$469,900$8,623 equity gap
Rate
3.76%
7.40%today
Payment
$2,337/mo
$3,490today
  • —beds
  • —baths
  • 1,218sqft

3150 Smoky Ridge Way, Sevierville

829 Luttrell Ave, Smithville, TN, 37166 — assumable FHA mortgage at 3.45%
FHA
Active
47
$274,900$42,867 equity gap
Rate
3.45%
7.40%today
Payment
$1,139/mo
$1,767today
  • 3beds
  • 2baths
  • 1,320sqft

829 Luttrell Ave, Smithville

117 Gillen Dr, Sparta, TN, 38583 — assumable VA mortgage at 2.98%
VA
Active
56
$349,900$83,367 equity gap
Rate
2.98%
7.40%today
Payment
$1,261/mo
$2,076today
  • 4beds
  • 3baths
  • 4,095sqft

117 Gillen Dr, Sparta

1022 Fairview Rd, McMinnville, TN, 37110 — assumable FHA mortgage at 2.99%
FHA
Active
20
$289,000$65,440 equity gap
Rate
2.99%
7.40%today
Payment
$1,054/mo
$1,734today
  • 3beds
  • 2baths
  • 2,287sqft

1022 Fairview Rd, McMinnville

819 Redwood Drive, Mount Carmel, TN, 37645 — assumable VA mortgage at 3.56%
VA
Active
66
$439,900$77,361 equity gap
Rate
3.56%
7.40%today
Payment
$1,804/mo
$2,762today
  • 3beds
  • 3baths
  • 2,940sqft

819 Redwood Drive, Mount Carmel

1044 Lake Smoky Road, Sevierville, TN, 37876 — assumable VA mortgage at 3.11%
VA
Active
30
$380,000$110,404 equity gap
Rate
3.11%
7.40%today
Payment
$1,283/mo
$2,077today
  • 2beds
  • 2baths
  • 1,230sqft

1044 Lake Smoky Road, Sevierville

117 Windy Cut St, Dowelltown, TN, 37059 — assumable FHA mortgage at 3.76%
FHA
Active
21
$262,000$44,976 equity gap
Rate
3.76%
7.40%today
Payment
$1,100/mo
$1,642today
  • 3beds
  • 2baths
  • 1,250sqft

117 Windy Cut St, Dowelltown

432 Parker Ln, Bradyville, TN, 37026 — assumable VA mortgage at 3.45%
VA
Active
32
$474,900$134,461 equity gap
Rate
3.45%
7.40%today
Payment
$1,674/mo
$2,598today
  • 3beds
  • 2baths
  • 2,540sqft

432 Parker Ln, Bradyville

7485 McMinnville Hwy, Morrison, TN, 37357 — assumable VA mortgage at 2.25%
VA
Active
51
$449,000$166,124 equity gap
Rate
2.25%
7.40%today
Payment
$1,228/mo
$2,224today
  • 3beds
  • 2baths
  • 1,792sqft

7485 McMinnville Hwy, Morrison

106 Swafford Rd, Spring City, TN, 37381 — assumable FHA mortgage at 2.46%
FHA
Active
42
$129,000$42,368 equity gap
Rate
2.46%
7.40%today
Payment
$383/mo
$675today
  • 2beds
  • 2baths
  • 840sqft

106 Swafford Rd, Spring City

4924 Jacksboro Rd, Morrison, TN, 37357 — assumable FHA mortgage at 2.65%
FHA
Active
22
$188,000$72,579 equity gap
Rate
2.65%
7.40%today
Payment
$534/mo
$918today
  • 3beds
  • 1baths
  • 1,104sqft

4924 Jacksboro Rd, Morrison

301 Sentry Oaks, Chickamauga, GA, 30707 — assumable VA mortgage at 2.80%
VA
Active
40
$500,000$166,027 equity gap
Rate
2.80%
7.40%today
Payment
$1,594/mo
$2,653today
  • 4beds
  • 3baths
  • 2,350sqft

301 Sentry Oaks, Chickamauga

71 Windjammer Ct, Winchester, TN, 37398 — assumable VA mortgage at 2.81%
VA
Active
47
$740,000$284,632 equity gap
Rate
2.81%
7.40%today
Payment
$2,139/mo
$3,600today
  • 4beds
  • 4baths
  • 3,017sqft

71 Windjammer Ct, Winchester

1515 Rogers Cir, Manchester, TN, 37355 — assumable FHA mortgage at 2.90%
FHA
Active
9
$319,000$112,088 equity gap
Rate
2.90%
7.40%today
Payment
$973/mo
$1,618today
  • —beds
  • —baths
  • 1,749sqft

1515 Rogers Cir, Manchester

4847 Briar Rock Lane, Knoxville, TN, 37920 — assumable FHA mortgage at 2.94%
FHA
Active
35
$432,000$167,244 equity gap
Rate
2.94%
7.40%today
Payment
$1,253/mo
$2,074today
  • 3beds
  • 3baths
  • 2,044sqft

4847 Briar Rock Lane, Knoxville

916 Tri Cir, Cleveland, TN, 37312 — assumable FHA mortgage at 2.94%
FHA
Active
31
$295,000$112,709 equity gap
Rate
2.94%
7.40%today
Payment
$863/mo
$1,428today
  • 3beds
  • 2baths
  • 1,600sqft

916 Tri Cir, Cleveland

2656 Laws Rd, McMinnville, TN, 37110 — assumable FHA mortgage at 2.96%
FHA
Active
34
$370,000$126,481 equity gap
Rate
2.96%
7.40%today
Payment
$1,152/mo
$1,902today
  • 3beds
  • 2baths
  • 2,001sqft

2656 Laws Rd, McMinnville

1529 Springvale Road, Chattanooga, TN, 37412 — assumable FHA mortgage at 2.99%
FHA
Active
49
$199,900$73,659 equity gap
Rate
2.99%
7.40%today
Payment
$612/mo
$1,006today
  • 2beds
  • 2baths
  • 916sqft

1529 Springvale Road, Chattanooga

118 Keaton St, Livingston, TN, 38570 — assumable FHA mortgage at 2.99%
FHA
Active
7
$270,000$96,734 equity gap
Rate
2.99%
7.40%today
Payment
$823/mo
$1,353today
  • 4beds
  • 3baths
  • 1,344sqft

118 Keaton St, Livingston

760 Lafollette Drive, Maryville, TN, 37801 — assumable FHA mortgage at 2.99%
FHA
Active
47
$315,000$117,646 equity gap
Rate
2.99%
7.40%today
Payment
$954/mo
$1,551today
  • 3beds
  • 2baths
  • 1,568sqft

760 Lafollette Drive, Maryville

316 Hansels Lea, Sevierville, TN, 37876 — assumable VA mortgage at 3.00%
VA
Active
26
$430,000$150,573 equity gap
Rate
3.00%
7.40%today
Payment
$1,328/mo
$2,181today
  • 3beds
  • 2baths
  • 1,508sqft

316 Hansels Lea, Sevierville

210 McConkey St, Madisonville, TN, 37354 — assumable FHA mortgage at 3.01%
FHA
Active
$189,900$67,207 equity gap
Rate
3.01%
7.40%today
Payment
$580/mo
$951today
  • 2beds
  • 1baths
  • 816sqft

210 McConkey St, Madisonville

1138 Ridgeview Rd, Maryville, TN, 37801 — assumable FHA mortgage at 3.55%
FHA
Active
41
$314,900$84,278 equity gap
Rate
3.55%
7.40%today
Payment
$1,144/mo
$1,754today
  • 3beds
  • 2baths
  • 1,984sqft

1138 Ridgeview Rd, Maryville

39 Fine Street, Rossville, GA, 30741 — assumable FHA mortgage at 3.09%
FHA
Active
22
$237,000$77,978 equity gap
Rate
3.09%
7.40%today
Payment
$768/mo
$1,248today
  • 3beds
  • 2baths
  • 1,248sqft

39 Fine Street, Rossville

481 Judson Rd, Strawberry Plains, TN, 37871 — assumable VA mortgage at 3.09%
VA
Active
47
$540,000$163,960 equity gap
Rate
3.09%
7.40%today
Payment
$1,789/mo
$2,905today
  • 3beds
  • 3baths
  • 1,809sqft

481 Judson Rd, Strawberry Plains

537 Isbell Ln, Decherd, TN, 37324 — assumable FHA mortgage at 3.10%
FHA
Active
25
$214,900$77,766 equity gap
Rate
3.10%
7.40%today
Payment
$652/mo
$1,057today
  • 5beds
  • 3baths
  • 2,158sqft

537 Isbell Ln, Decherd

1767 Breeze Drive, Soddy Daisy, TN, 37379 — assumable VA mortgage at 3.14%
VA
Active
35
$365,000$139,653 equity gap
Rate
3.14%
7.40%today
Payment
$1,076/mo
$1,735today
  • 3beds
  • 2baths
  • 1,491sqft

1767 Breeze Drive, Soddy Daisy

308 Allens Chapel Rd, Smithville, TN, 37166 — assumable FHA mortgage at 4.16%
FHA
Active
26
$229,900$43,830 equity gap
Rate
4.16%
7.40%today
Payment
$984/mo
$1,400today
  • 3beds
  • 2baths
  • 1,620sqft

308 Allens Chapel Rd, Smithville

219 Antler Dr, Smithville, TN, 37166 — assumable VA mortgage at 4.67%
VA
Active
41
$333,000$11,941 equity gap
Rate
4.67%
7.40%today
Payment
$1,788/mo
$2,395today
  • 3beds
  • 2baths
  • 1,460sqft

219 Antler Dr, Smithville

1617 Rocky Hollow Rd, Jonesborough, TN, 37659 — assumable FHA mortgage at 3.69%
FHA
Active
18
$324,000$82,082 equity gap
Rate
3.69%
7.40%today
Payment
$1,219/mo
$1,836today
  • 4beds
  • 2baths
  • 1,632sqft

1617 Rocky Hollow Rd, Jonesborough

204 Carly Drive, Dalton, GA, 30721 — assumable FHA mortgage at 2.20%
FHA
Active
37
$365,000$308,172 equity gap
Rate
2.20%
7.40%today
Payment
$580/mo
$803today
  • 3beds
  • 3baths
  • 2,520sqft

204 Carly Drive, Dalton

555 Randall Hitchcock Rd, Rock Island, TN, 38581 — assumable VA mortgage at 2.25%
VA
Active
100
$850,000$401,240 equity gap
Rate
2.25%
7.40%today
Payment
$1,992/mo
$3,608today
  • 4beds
  • 5baths
  • 4,262sqft

555 Randall Hitchcock Rd, Rock Island

Assuming a mortgage in North Carolina

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.20%
Lowest existing payment
$325 /mo
Median cash to assume
$184,418
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Beaston Group

Equal Housing Opportunity

Beaston Group is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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