FHATop pick
Active
56$350,000$28,671 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,537/mo
$2,480today
- 3beds
- 3baths
- 1,932sqft
Creedmoor, North Carolina
Assumable homes for salein Creedmoor, North Carolina.
7 homes in Creedmoor carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Creedmoor assumable market
by the numbers.
7active assumable listings
3.18%lowest locked rate
$330kmedian list price
$129saved per month vs. 7.2%
About the market
Assumable mortgagesin Creedmoor, explained.
Every number on this page comes from the live MLS feeds UMe indexes for North Carolina, filtered to Creedmoor. Updated October 2026.
How assumptions work for buyersCreedmoor, North Carolina has 7 homes for sale with an assumable mortgage as of October 2026: 4 FHA loans and 3 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 Creedmoor assumable listings start at 3.18% with a median of 5.10%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Creedmoor lists for $329,900, with a median of $68,130 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 $1,756 a month versus $1,885 for the same balance at today's rate, roughly $129 kept every month and $1,549 a year. The most active Creedmoor ZIP codes are 27522 (7).
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 Creedmoor assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Creedmoor
View all 7 on the map Homes on the marketin Creedmoor.
FHA
Active
28$347,500$66,598 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,379/mo
$2,139today
- 3beds
- 3baths
- 1,514sqft
108 Cedar Street, Butner
FHA
Active
33$345,000$95,096 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,184/mo
$1,917today
- 3beds
- 3baths
- 2,648sqft
5106 Misty Lane, Oxford
VA
Active
59$725,000$257,438 equity gap
- Rate
- 2.70%
7.40%today- Payment
- $2,186/mo
$3,732today
- 4beds
- 4baths
- 4,406sqft
12113 Pawleys Mill Circle, Raleigh
VA
Active
40$389,900$220,195 equity gap
- Rate
- 2.50%
7.40%today- Payment
- $765/mo
$1,341today
- 3beds
- 2baths
- 1,772sqft
316 Kinnakeet Drive, Durham
VA
Active
77$895,500$454,990 equity gap
- Rate
- 2.73%
7.40%today- Payment
- $2,052/mo
$3,489today
- 5beds
- 3baths
- 3,499sqft
7604 Duckhorn Court, Wake Forest
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 Creedmoor.
Live counts from the MLS feeds we index for North Carolina. Updated October 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 3.18%
- Median rate
- 5.10%
- Median list price
- $329,900
- Median cash to assume
- $68,130
Creedmoor listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up3 homes
Creedmoor listings by loan type
- FHA4 homesmedian 5.96%
- VA3 homesmedian 3.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Creedmoor ZIP code.
Each ZIP opens the Creedmoor map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Creedmoor numbers
What an assumable ratedoes to a Creedmoor payment.
The sliders start at the median Creedmoor assumable listing: $329,900 list price and a 5.10% 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)$70,000
21% 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 Creedmoor
$1,506/mo
New loan at 7.20%$1,765
Assumed at 5.10%
$1,506
Every month$259
Over five years$15,529
Interest you never pay$165,46326-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 Creedmoor listing on UMe shows the actual balance, rate, and payment.
How it works in Creedmoor
How to assumea mortgage in Creedmoor.
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 Creedmoor home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Creedmoor 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 $68,130 in Creedmoor 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 Creedmoor payment written in a different decade.
Creedmoor questions
Assuming a mortgagein Creedmoor.
The numbers below come from current Creedmoor inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Creedmoor?
As of October 2026, UMe tracks 7 active assumable listings in Creedmoor. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Creedmoor?
Current Creedmoor inventory breaks down as FHA (4, median 5.96%) and VA (3, median 3.25%). 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 Creedmoor?
The lowest rate on an active Creedmoor assumable listing is 3.18%, and the median across all 7 listings is 5.10%. 3 listings are under 4% and 3 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 Creedmoor?
Across current Creedmoor listings, the median principal-and-interest payment on the assumable loan is $1,756 per month versus $1,885 for the same balance at today's rates, a difference of about $129 every month, or $1,549 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 Creedmoor?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Creedmoor that gap is currently a median of $68,130 on a median list price of $329,900. 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 Creedmoor ZIP codes have the most assumable homes?
The Creedmoor ZIP codes with the most active assumable listings are 27522 (7). 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 Creedmoor?
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 North Carolina More assumable homesin North Carolina.
Ready when you are
Stop overpaying for Creedmoor.The rate is already on the house.
Every listing on the Creedmoor map has a rate you can take over. Start with the ones in Creedmoor, get pre-qualified in minutes, and let UMe carry the assumption to closing.
