VA
Active
73$699,900$268,056 equity gap
- Rate
- 3.13%
7.40%today- Payment
- $2,091/mo
$3,378today
- 4beds
- 3baths
- 2,875sqft
Auburntown, Tennessee
Assumable homes for salein Auburntown, Tennessee.
3 homes in Auburntown carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.76%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Auburntown assumable market
by the numbers.
3active assumable listings
2.76%lowest locked rate
$1,299kmedian list price
$2,283saved per month vs. 7.2%
About the market
Assumable mortgagesin Auburntown, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Auburntown. Updated October 2026.
How assumptions work for buyersAuburntown, Tennessee has 3 homes for sale with an assumable mortgage as of October 2026: 2 VA loans and 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Auburntown assumable listings start at 2.76% with a median of 2.76%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Auburntown lists for $1,299,000, with a median of $605,072 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $3,197 a month versus $5,480 for the same balance at today's rate, roughly $2,283 kept every month and $27,390 a year. The most active Auburntown ZIP codes are 37016 (3).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Auburntown assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Auburntown
View all 3 on the map Homes on the marketin Auburntown.
VA
Active
92$1,299,000$603,474 equity gap
- Rate
- 2.76%
7.40%today- Payment
- $3,197/mo
$5,416today
- 3beds
- 4baths
- 4,550sqft
2063 Kennedy Creek Rd, Auburntown
VA
Active
98$1,999,000$1,303,474 equity gap
- Rate
- 2.76%
7.40%today- Payment
- $3,197/mo
$5,416today
- 3beds
- 4baths
- 4,550sqft
2063 Kennedy Creek Rd, Auburntown
FHA
Active
53$315,000$145,489 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $833/mo
$1,343today
- 3beds
- 2baths
- 1,200sqft
225 Woodbury Hwy, Liberty
FHA
Active
41$649,000$112,702 equity gap
- Rate
- 5.75%
7.40%today- Payment
- $3,289/mo
$3,902today
- —beds
- —baths
- 2,300sqft
659 Turney Rd, Auburntown
FHA
Active
41$649,000$112,702 equity gap
- Rate
- 5.75%
7.40%today- Payment
- $3,289/mo
$3,902today
- —beds
- —baths
- 2,300sqft
659 Turney Rd, Auburntown
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Auburntown.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.76%
- Median rate
- 2.76%
- Median list price
- $1,299,000
- Median cash to assume
- $605,072
Auburntown listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Auburntown listings by loan type
- VA2 homesmedian 2.76%
- FHA1 homemedian 5.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Auburntown ZIP code.
Each ZIP opens the Auburntown map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Auburntown numbers
What an assumable ratedoes to an Auburntown payment.
The sliders start at the median Auburntown assumable listing: $1,299,000 list price and a 2.76% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$605,000
47% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Auburntown
$3,120/mo
New loan at 7.20%$4,718
Assumed at 2.75%
$3,120
Every month$1,597
Over five years$95,827
Interest you never pay$724,74326-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Auburntown listing on UMe shows the actual balance, rate, and payment.
How it works in Auburntown
How to assumea mortgage in Auburntown.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Auburntown home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Auburntown map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $605,072 in Auburntown today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Auburntown payment written in a different decade.
Auburntown questions
Assuming a mortgagein Auburntown.
The numbers below come from current Auburntown inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Auburntown?
As of October 2026, UMe tracks 3 active assumable listings in Auburntown. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Auburntown?
Current Auburntown inventory breaks down as VA (2, median 2.76%) and FHA (1, median 5.75%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Auburntown?
The lowest rate on an active Auburntown assumable listing is 2.76%, and the median across all 3 listings is 2.76%. 2 listings are under 4% and 2 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Auburntown?
Across current Auburntown listings, the median principal-and-interest payment on the assumable loan is $3,197 per month versus $5,480 for the same balance at today's rates, a difference of about $2,283 every month, or $27,390 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Auburntown?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Auburntown that gap is currently a median of $605,072 on a median list price of $1,299,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Auburntown ZIP codes have the most assumable homes?
The Auburntown ZIP codes with the most active assumable listings are 37016 (3). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Auburntown?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Tennessee More assumable homesin Tennessee.
Ready when you are
Stop overpaying for Auburntown.The rate is already on the house.
Every listing on the Auburntown map has a rate you can take over. Start with the ones in Auburntown, get pre-qualified in minutes, and let UMe carry the assumption to closing.
