FHATop pick
Active
47$639,470Potential short sale
- Rate
- 2.10%
7.40%today- Payment
- $2,810/mo
$5,193today
- 3beds
- 4baths
- 2,718sqft
Christiana, Tennessee
Assumable homes for salein Christiana, Tennessee.
10 homes in Christiana carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Christiana assumable market
by the numbers.
10active assumable listings
2.96%lowest locked rate
$650kmedian list price
$908saved per month vs. 7.2%
About the market
Assumable mortgagesin Christiana, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Christiana. Updated October 2026.
How assumptions work for buyersChristiana, Tennessee has 10 homes for sale with an assumable mortgage as of October 2026: 5 FHA loans and 5 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 Christiana assumable listings start at 2.96% with a median of 5.70%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Christiana lists for $649,950, with a median of $197,498 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 $2,321 a month versus $3,229 for the same balance at today's rate, roughly $908 kept every month and $10,897 a year. The most active Christiana ZIP codes are 37037 (10).
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 Christiana assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Christiana
View all 10 on the map Homes on the marketin Christiana.
FHA
Active
40$299,890$54,261 equity gap
- Rate
- 3.17%
7.40%today- Payment
- $1,197/mo
$1,924today
- 3beds
- 3baths
- 1,631sqft
4347 Doral Dr, Murfreesboro
FHA
Active
56$515,000$67,325 equity gap
- Rate
- 3.22%
7.40%today- Payment
- $2,147/mo
$3,428today
- 4beds
- 3baths
- 2,635sqft
3615 Rose Gold Ct, Murfreesboro
VA
Active
48$450,000$134,092 equity gap
- Rate
- 2.81%
7.40%today- Payment
- $1,481/mo
$2,492today
- 4beds
- 3baths
- 2,492sqft
2462 Bridgeway St, Murfreesboro
FHA
Active
46$400,000$83,590 equity gap
- Rate
- 2.96%
7.40%today- Payment
- $1,497/mo
$2,472today
- 3beds
- 3baths
- 2,490sqft
2108 Halfmoon Way, Murfreesboro
VA
Active
52$639,000$149,872 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $2,302/mo
$3,785today
- 4beds
- 3baths
- 3,001sqft
1427 Dawbarn Dr, Murfreesboro
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 Christiana.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 5.70%
- Median list price
- $649,950
- Median cash to assume
- $197,498
Christiana listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up5 homes
Christiana listings by loan type
- FHA5 homesmedian 6.14%
- VA5 homesmedian 4.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Christiana ZIP code.
Each ZIP opens the Christiana map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Christiana numbers
What an assumable ratedoes to a Christiana payment.
The sliders start at the median Christiana assumable listing: $649,950 list price and a 5.70% 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)$200,000
31% 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 Christiana
$2,769/mo
New loan at 7.20%$3,055
Assumed at 5.70%
$2,769
Every month$286
Over five years$17,150
Interest you never pay$235,79826-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 Christiana listing on UMe shows the actual balance, rate, and payment.
How it works in Christiana
How to assumea mortgage in Christiana.
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 Christiana home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Christiana 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 $197,498 in Christiana 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 Christiana payment written in a different decade.
Christiana questions
Assuming a mortgagein Christiana.
The numbers below come from current Christiana inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Christiana?
As of October 2026, UMe tracks 10 active assumable listings in Christiana. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Christiana?
Current Christiana inventory breaks down as FHA (5, median 6.14%) and VA (5, median 4.98%). 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 Christiana?
The lowest rate on an active Christiana assumable listing is 2.96%, and the median across all 10 listings is 5.70%. 3 listings are under 4% and 4 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 Christiana?
Across current Christiana listings, the median principal-and-interest payment on the assumable loan is $2,321 per month versus $3,229 for the same balance at today's rates, a difference of about $908 every month, or $10,897 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 Christiana?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Christiana that gap is currently a median of $197,498 on a median list price of $649,950. 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 Christiana ZIP codes have the most assumable homes?
The Christiana ZIP codes with the most active assumable listings are 37037 (10). 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 Christiana?
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 Christiana.The rate is already on the house.
Every listing on the Christiana map has a rate you can take over. Start with the ones in Christiana, get pre-qualified in minutes, and let UMe carry the assumption to closing.
