VA
Active
74$699,000$380,970 equity gap
- Rate
- 3.09%
7.40%today- Payment
- $1,510/mo
$2,451today
- 2beds
- 2baths
- 1,512sqft
Camden, Tennessee
Assumable homes for salein Camden, Tennessee.
4 homes in Camden carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.89%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Camden assumable market
by the numbers.
4active assumable listings
3.89%lowest locked rate
$260kmedian list price
$134saved per month vs. 7.2%
About the market
Assumable mortgagesin Camden, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Camden. Updated September 2026.
How assumptions work for buyersCamden, Tennessee has 4 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 2 VA loans 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 Camden assumable listings start at 3.89% with a median of 5.46%; 1 listing is under 4% and 2 are under 5%.
The median assumable home in Camden lists for $259,700, with a median of $85,975 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 $1,155 a month versus $1,289 for the same balance at today's rate, roughly $134 kept every month and $1,608 a year. The most active Camden ZIP codes are 38320 (4).
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 Camden assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Camden
View all 4 on the map Homes on the marketin Camden.
FHA
Active
15$115,000$103,935 equity gap
- Rate
- 3.89%
7.40%today- Payment
- $61/mo
$88today
- 2beds
- 1baths
- 1,158sqft
146 Mimosa St, Camden
FHA
Active
35$184,900$141,758 equity gap
- Rate
- 4.37%
7.40%today- Payment
- $341/mo
$473today
- 3beds
- 1baths
- 1,118sqft
761 Cherokee Dr, New Johnsonville
FHA
Active
23$179,900$105,925 equity gap
- Rate
- 4.43%
7.40%today- Payment
- $444/mo
$612today
- 3beds
- 2baths
- 1,400sqft
130 Mimosa St, Camden
VA
Active
41$375,000$47,165 equity gap
- Rate
- 6.50%
7.40%today- Payment
- $2,104/mo
$2,305today
- 2beds
- 2baths
- 1,409sqft
4135 Highway 70, Camden
FHA
Active
21$249,500$54,144 equity gap
- Rate
- 6.69%
7.40%today- Payment
- $1,296/mo
$1,392today
- 3beds
- 2baths
- 1,867sqft
2867 Little Sulphur Creek Rd, Big Sandy
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 Camden.
Live counts from the MLS feeds we index for Tennessee. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.89%
- Median rate
- 5.46%
- Median list price
- $259,700
- Median cash to assume
- $85,975
Camden listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Camden listings by loan type
- FHA2 homesmedian 4.16%
- VA2 homesmedian 6.76%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Camden ZIP code.
Each ZIP opens the Camden map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Camden numbers
What an assumable ratedoes to a Camden payment.
The sliders start at the median Camden assumable listing: $259,700 list price and a 5.46% 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)$85,000
33% 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 Camden
$1,050/mo
New loan at 7.20%$1,188
Assumed at 5.45%
$1,050
Every month$138
Over five years$8,259
Interest you never pay$99,96626-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 Camden listing on UMe shows the actual balance, rate, and payment.
How it works in Camden
How to assumea mortgage in Camden.
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 Camden home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Camden 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 $85,975 in Camden 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 Camden payment written in a different decade.
Camden questions
Assuming a mortgagein Camden.
The numbers below come from current Camden inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Camden?
As of September 2026, UMe tracks 4 active assumable listings in Camden. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Camden?
Current Camden inventory breaks down as FHA (2, median 4.16%) and VA (2, median 6.76%). 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 Camden?
The lowest rate on an active Camden assumable listing is 3.89%, and the median across all 4 listings is 5.46%. 1 listing is 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 Camden?
Across current Camden listings, the median principal-and-interest payment on the assumable loan is $1,155 per month versus $1,289 for the same balance at today's rates, a difference of about $134 every month, or $1,608 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 Camden?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Camden that gap is currently a median of $85,975 on a median list price of $259,700. 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 Camden ZIP codes have the most assumable homes?
The Camden ZIP codes with the most active assumable listings are 38320 (4). 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 Camden?
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 Camden.The rate is already on the house.
Every listing on the Camden map has a rate you can take over. Start with the ones in Camden, get pre-qualified in minutes, and let UMe carry the assumption to closing.
