VA
Active
$259,900$46,419 equity gap
- Rate
- 2.97%
7.40%today- Payment
- $1,021/mo
$1,682today
- 5beds
- 2baths
- 1,484sqft
Jefferson City, Tennessee
Assumable homes for salein Jefferson City, Tennessee.
1 home in Jefferson City carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.42%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Jefferson City assumable market
by the numbers.
1active assumable listing
6.42%lowest locked rate
$945kmedian list price
$361saved per month vs. 7.2%
About the market
Assumable mortgagesin Jefferson City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Jefferson City. Updated October 2026.
How assumptions work for buyersJefferson City, Tennessee has 1 home for sale with an assumable mortgage as of October 2026: 1 VA loan 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 Jefferson City assumable listings start at 6.42% with a median of 6.42%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Jefferson City lists for $944,900, with a median of $476,682 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 $3,071 a month versus $3,432 for the same balance at today's rate, roughly $361 kept every month and $4,337 a year. The most active Jefferson City ZIP codes are 37760 (1).
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 Jefferson City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Jefferson City
View all 1 on the map Homes on the marketin Jefferson City.
VA
Active
41$375,000$253,522 equity gap
- Rate
- 4.46%
7.40%today- Payment
- $731/mo
$1,004today
- 3beds
- 2baths
- 2,016sqft
1420 Twin Oaks Road, Sevierville
VA
Active
44$345,900$54,337 equity gap
- Rate
- 6.17%
7.40%today- Payment
- $1,791/mo
$2,031today
- 3beds
- 2baths
- 1,475sqft
4434 Anna Maria, Strawberry Plains
VA
Active
47$675,000$95,649 equity gap
- Rate
- 6.90%
7.40%today- Payment
- $3,919/mo
$4,120today
- 5beds
- 4baths
- 1,901sqft
1925 Harbor Ln, Dandridge
VA
Active
49$675,000$95,649 equity gap
- Rate
- 6.90%
7.40%today- Payment
- $3,919/mo
$4,120today
- 3beds
- 3baths
- 1,901sqft
1925 Harbor Lane, Dandridge
FHA
Active
30$360,000$127,026 equity gap
- Rate
- 6.12%
7.40%today- Payment
- $1,446/mo
$1,649today
- 3beds
- 2baths
- 1,318sqft
768 Harvest Meadows Drive, Kodak
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 Jefferson City.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.42%
- Median rate
- 6.42%
- Median list price
- $944,900
- Median cash to assume
- $476,682
Jefferson City listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Jefferson City listings by loan type
- VA1 homemedian 6.42%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Jefferson City ZIP code.
Each ZIP opens the Jefferson City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Jefferson City numbers
What an assumable ratedoes to a Jefferson City payment.
The sliders start at the median Jefferson City assumable listing: $944,900 list price and a 6.42% 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)$475,000
50% 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 Jefferson City
$3,095/mo
New loan at 7.20%$3,190
Assumed at 6.40%
$3,095
Every month$95
Over five years$5,689
Interest you never pay$182,71726-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 Jefferson City listing on UMe shows the actual balance, rate, and payment.
How it works in Jefferson City
How to assumea mortgage in Jefferson City.
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 Jefferson City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Jefferson City 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 $476,682 in Jefferson City 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 Jefferson City payment written in a different decade.
Jefferson City questions
Assuming a mortgagein Jefferson City.
The numbers below come from current Jefferson City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Jefferson City?
As of October 2026, UMe tracks 1 active assumable listing in Jefferson City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Jefferson City?
Current Jefferson City inventory breaks down as VA (1, median 6.42%). 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 Jefferson City?
The lowest rate on an active Jefferson City assumable listing is 6.42%, and the median across all 1 listing is 6.42%. 0 listings are under 4% and 0 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 Jefferson City?
Across current Jefferson City listings, the median principal-and-interest payment on the assumable loan is $3,071 per month versus $3,432 for the same balance at today's rates, a difference of about $361 every month, or $4,337 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 Jefferson City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Jefferson City that gap is currently a median of $476,682 on a median list price of $944,900. 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 Jefferson City ZIP codes have the most assumable homes?
The Jefferson City ZIP codes with the most active assumable listings are 37760 (1). 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 Jefferson City?
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 Jefferson City.The rate is already on the house.
Every listing on the Jefferson City map has a rate you can take over. Start with the ones in Jefferson City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
