VA
Active
46$549,900$353,846 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $937/mo
$1,567today
- 5beds
- 3baths
- 2,264sqft
Bethel Springs, Tennessee
Assumable homes for salein Bethel Springs, Tennessee.
1 home in Bethel Springs carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.86%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Bethel Springs assumable market
by the numbers.
1active assumable listing
2.86%lowest locked rate
$550kmedian list price
$648saved per month vs. 7.2%
About the market
Assumable mortgagesin Bethel Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Bethel Springs. Updated October 2026.
How assumptions work for buyersBethel Springs, Tennessee has 1 home for sale with an assumable mortgage as of October 2026: 1 VA 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 Bethel Springs assumable listings start at 2.86% with a median of 2.86%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Bethel Springs lists for $549,900, with a median of $353,846 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 $937 a month versus $1,586 for the same balance at today's rate, roughly $648 kept every month and $7,781 a year. The most active Bethel Springs ZIP codes are 38315 (1).
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 Bethel Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Bethel Springs
View all 1 on the map Homes on the marketin Bethel Springs.
FHA
Active
40$359,000$185,773 equity gap
- Rate
- 2.97%
7.40%today- Payment
- $824/mo
$1,359today
- 4beds
- 2baths
- 2,300sqft
180 HORNER DR, Selmer
FHA
Active
36$229,000$73,456 equity gap
- Rate
- 6.78%
7.40%today- Payment
- $1,048/mo
$1,115today
- 3beds
- 2baths
- 1,272sqft
256 CYPRESS AVE, Selmer
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 Bethel Springs.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.86%
- Median rate
- 2.86%
- Median list price
- $549,900
- Median cash to assume
- $353,846
Bethel Springs listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Bethel Springs listings by loan type
- VA1 homemedian 2.86%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Bethel Springs ZIP code.
Each ZIP opens the Bethel Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Bethel Springs numbers
What an assumable ratedoes to a Bethel Springs payment.
The sliders start at the median Bethel Springs assumable listing: $549,900 list price and a 2.86% 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)$355,000
65% 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 Bethel Springs
$886/mo
New loan at 7.20%$1,324
Assumed at 2.85%
$886
Every month$438
Over five years$26,282
Interest you never pay$200,19926-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 Bethel Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Bethel Springs
How to assumea mortgage in Bethel Springs.
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 a Bethel Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Bethel Springs 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 $353,846 in Bethel Springs 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 a Bethel Springs payment written in a different decade.
Bethel Springs questions
Assuming a mortgagein Bethel Springs.
The numbers below come from current Bethel Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Bethel Springs?
As of October 2026, UMe tracks 1 active assumable listing in Bethel Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Bethel Springs?
Current Bethel Springs inventory breaks down as VA (1, median 2.86%). 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 Bethel Springs?
The lowest rate on an active Bethel Springs assumable listing is 2.86%, and the median across all 1 listing is 2.86%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Bethel Springs?
Across current Bethel Springs listings, the median principal-and-interest payment on the assumable loan is $937 per month versus $1,586 for the same balance at today's rates, a difference of about $648 every month, or $7,781 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 Bethel Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Bethel Springs that gap is currently a median of $353,846 on a median list price of $549,900. 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 Bethel Springs ZIP codes have the most assumable homes?
The Bethel Springs ZIP codes with the most active assumable listings are 38315 (1). 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 Bethel Springs?
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 Bethel Springs.The rate is already on the house.
Every listing on the Bethel Springs map has a rate you can take over. Start with the ones in Bethel Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
