VA
Active
51$449,000$166,124 equity gap
- Rate
- 2.25%
7.40%today- Payment
- $1,228/mo
$2,224today
- 3beds
- 2baths
- 1,792sqft
Hillsboro, Tennessee
Assumable homes for salein Hillsboro, Tennessee.
2 homes in Hillsboro carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hillsboro assumable market
by the numbers.
2active assumable listings
2.80%lowest locked rate
$387kmedian list price
$209saved per month vs. 7.2%
About the market
Assumable mortgagesin Hillsboro, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Hillsboro. Updated September 2026.
How assumptions work for buyersHillsboro, Tennessee has 2 homes for sale with an assumable mortgage as of September 2026: 2 FHA 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 Hillsboro assumable listings start at 2.80% with a median of 4.65%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Hillsboro lists for $387,450, with a median of $297,456 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 $5,434 a month versus $5,643 for the same balance at today's rate, roughly $209 kept every month and $2,509 a year. The most active Hillsboro ZIP codes are 37342 (2).
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 Hillsboro assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hillsboro
View all 2 on the map Homes on the marketin Hillsboro.
FHA
Active
9$319,000$112,088 equity gap
- Rate
- 2.90%
7.40%today- Payment
- $973/mo
$1,618today
- —beds
- —baths
- 1,749sqft
1515 Rogers Cir, Manchester
FHA
Active
58$494,900$212,911 equity gap
- Rate
- 2.77%
7.40%today- Payment
- $1,322/mo
$2,237today
- 3beds
- 2baths
- 2,483sqft
79 Bluegrass Dr, Manchester
FHA
Active
37$475,000$365,698 equity gap
- Rate
- 2.80%
7.40%today- Payment
- $513/mo
$864today
- 4beds
- 2baths
- 1,680sqft
870 Newt Vanattia Rd, Hillsboro
FHA
Active
40$338,000$147,960 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $925/mo
$1,522today
- 3beds
- 2baths
- 1,754sqft
115 Grace Ct, Manchester
VA
Active
23$367,900$180,396 equity gap
- Rate
- 3.30%
7.40%today- Payment
- $950/mo
$1,502today
- 3beds
- 2baths
- 2,274sqft
493 Maple Springs Rd, Manchester
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 Hillsboro.
Live counts from the MLS feeds we index for Tennessee. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 4.65%
- Median list price
- $387,450
- Median cash to assume
- $297,456
Hillsboro listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Hillsboro listings by loan type
- FHA2 homesmedian 4.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hillsboro ZIP code.
Each ZIP opens the Hillsboro map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hillsboro numbers
What an assumable ratedoes to a Hillsboro payment.
The sliders start at the median Hillsboro assumable listing: $387,450 list price and a 4.65% 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)$295,000
77% 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 Hillsboro
$498/mo
New loan at 7.20%$611
Assumed at 4.65%
$498
Every month$113
Over five years$6,796
Interest you never pay$64,66326-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 Hillsboro listing on UMe shows the actual balance, rate, and payment.
How it works in Hillsboro
How to assumea mortgage in Hillsboro.
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 Hillsboro home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hillsboro 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 $297,456 in Hillsboro 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 Hillsboro payment written in a different decade.
Hillsboro questions
Assuming a mortgagein Hillsboro.
The numbers below come from current Hillsboro inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hillsboro?
As of September 2026, UMe tracks 2 active assumable listings in Hillsboro. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hillsboro?
Current Hillsboro inventory breaks down as FHA (2, median 4.65%). 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 Hillsboro?
The lowest rate on an active Hillsboro assumable listing is 2.80%, and the median across all 2 listings is 4.65%. 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 Hillsboro?
Across current Hillsboro listings, the median principal-and-interest payment on the assumable loan is $5,434 per month versus $5,643 for the same balance at today's rates, a difference of about $209 every month, or $2,509 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 Hillsboro?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hillsboro that gap is currently a median of $297,456 on a median list price of $387,450. 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 Hillsboro ZIP codes have the most assumable homes?
The Hillsboro ZIP codes with the most active assumable listings are 37342 (2). 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 Hillsboro?
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 Hillsboro.The rate is already on the house.
Every listing on the Hillsboro map has a rate you can take over. Start with the ones in Hillsboro, get pre-qualified in minutes, and let UMe carry the assumption to closing.
