Graham, North Carolina
Assumable homes for salein Graham, North Carolina.
10 homes in Graham carry 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
Graham assumable market
by the numbers.
Assumable mortgagesin Graham, explained.
Every number on this page comes from the live MLS feeds UMe indexes for North Carolina, filtered to Graham. Updated October 2026.
How assumptions work for buyersGraham, North Carolina has 10 homes for sale with an assumable mortgage as of October 2026: 7 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 Graham assumable listings start at 2.86% with a median of 4.21%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in Graham lists for $327,450, with a median of $148,268 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 $973 a month versus $1,539 for the same balance at today's rate, roughly $566 kept every month and $6,797 a year. The most active Graham ZIP codes are 27253 (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 Graham assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketin Graham.
No verified listings in Graham yet.
New assumable listings land every week across North Carolina. Search the full map, or save a Graham search and we’ll email you the moment one appears.
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.
What’s in the mixin Graham.
Live counts from the MLS feeds we index for North Carolina. Updated October 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 2.86%
- Median rate
- 4.21%
- Median list price
- $327,450
- Median cash to assume
- $148,268
Graham listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Graham listings by loan type
- FHA7 homesmedian 4.52%
- VA3 homesmedian 3.51%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Assumable homesby Graham ZIP code.
Each ZIP opens the Graham map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
What an assumable ratedoes to a Graham payment.
The sliders start at the median Graham assumable listing: $327,450 list price and a 4.21% 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.
45% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Graham listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Graham.
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 Graham home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Graham 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 $148,268 in Graham 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 Graham payment written in a different decade.
Assuming a mortgagein Graham.
The numbers below come from current Graham inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Graham?
As of October 2026, UMe tracks 10 active assumable listings in Graham. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Graham?
Current Graham inventory breaks down as FHA (7, median 4.52%) and VA (3, median 3.51%). 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 Graham?
The lowest rate on an active Graham assumable listing is 2.86%, and the median across all 10 listings is 4.21%. 5 listings are under 4% and 6 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 Graham?
Across current Graham listings, the median principal-and-interest payment on the assumable loan is $973 per month versus $1,539 for the same balance at today's rates, a difference of about $566 every month, or $6,797 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 Graham?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Graham that gap is currently a median of $148,268 on a median list price of $327,450. 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 Graham ZIP codes have the most assumable homes?
The Graham ZIP codes with the most active assumable listings are 27253 (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 Graham?
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.
More assumable homesin North Carolina.
Stop overpaying for Graham.The rate is already on the house.
Every listing on the Graham map has a rate you can take over. Start with the ones in Graham, get pre-qualified in minutes, and let UMe carry the assumption to closing.
