VA
Active
52$549,500$233,276 equity gap
- Rate
- 2.65%
7.40%today- Payment
- $1,463/mo
$2,514today
- 2beds
- 2baths
- 1,550sqft
Jamestown, Tennessee
Assumable homes for salein Jamestown, Tennessee.
8 homes in Jamestown carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Jamestown assumable market
by the numbers.
8active assumable listings
2.65%lowest locked rate
$285kmedian list price
$177saved per month vs. 7.2%
About the market
Assumable mortgagesin Jamestown, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Jamestown. Updated October 2026.
How assumptions work for buyersJamestown, Tennessee has 8 homes for sale with an assumable mortgage as of October 2026: 5 VA loans and 3 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 Jamestown assumable listings start at 2.65% with a median of 5.40%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Jamestown lists for $284,950, with a median of $147,966 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 $1,261 a month versus $1,439 for the same balance at today's rate, roughly $177 kept every month and $2,130 a year. The most active Jamestown ZIP codes are 38556 (8).
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 Jamestown assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Jamestown
View all 8 on the map Homes on the marketin Jamestown.
VA
Active
27$274,929$130,197 equity gap
- Rate
- 2.95%
7.40%today- Payment
- $686/mo
$1,133today
- 3beds
- 2baths
- 1,544sqft
179 Government Pond Rd, Jamestown
VA
Active
36$289,900$147,966 equity gap
- Rate
- 3.23%
7.40%today- Payment
- $711/mo
$1,133today
- 3beds
- 2baths
- 1,178sqft
1250 Darrow Ridge Rd, Jamestown
FHA
Active
33$319,900Potential short sale
- Rate
- 7.49%
7.40%today- Payment
- $2,435/mo
$2,413today
- 3beds
- 2baths
- 1,388sqft
528 St Anthony Drive, Jamestown
VA
Active
13$169,900$11,827 equity gap
- Rate
- 6.82%
7.40%today- Payment
- $1,059/mo
$1,122today
- 3beds
- 1baths
- 924sqft
428 Patton Heights Circle, Jamestown
FHA
Active
29$249,900$162,065 equity gap
- Rate
- 4.57%
7.40%today- Payment
- $528/mo
$716today
- 4beds
- 2baths
- 1,709sqft
1030 Allardt Hwy, Jamestown
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 Jamestown.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 5.40%
- Median list price
- $284,950
- Median cash to assume
- $147,966
Jamestown listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up4 homes
Jamestown listings by loan type
- VA5 homesmedian 3.23%
- FHA3 homesmedian 6.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Jamestown ZIP code.
Each ZIP opens the Jamestown map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Jamestown numbers
What an assumable ratedoes to a Jamestown payment.
The sliders start at the median Jamestown assumable listing: $284,950 list price and a 5.40% 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)$150,000
53% 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 Jamestown
$806/mo
New loan at 7.20%$916
Assumed at 5.40%
$806
Every month$110
Over five years$6,615
Interest you never pay$78,38326-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 Jamestown listing on UMe shows the actual balance, rate, and payment.
How it works in Jamestown
How to assumea mortgage in Jamestown.
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 Jamestown home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Jamestown 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 $147,966 in Jamestown 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 Jamestown payment written in a different decade.
Jamestown questions
Assuming a mortgagein Jamestown.
The numbers below come from current Jamestown inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Jamestown?
As of October 2026, UMe tracks 8 active assumable listings in Jamestown. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Jamestown?
Current Jamestown inventory breaks down as VA (5, median 3.23%) and FHA (3, median 6.84%). 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 Jamestown?
The lowest rate on an active Jamestown assumable listing is 2.65%, and the median across all 8 listings is 5.40%. 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 Jamestown?
Across current Jamestown listings, the median principal-and-interest payment on the assumable loan is $1,261 per month versus $1,439 for the same balance at today's rates, a difference of about $177 every month, or $2,130 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 Jamestown?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Jamestown that gap is currently a median of $147,966 on a median list price of $284,950. 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 Jamestown ZIP codes have the most assumable homes?
The Jamestown ZIP codes with the most active assumable listings are 38556 (8). 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 Jamestown?
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 Jamestown.The rate is already on the house.
Every listing on the Jamestown map has a rate you can take over. Start with the ones in Jamestown, get pre-qualified in minutes, and let UMe carry the assumption to closing.
