FHA
Active
25$345,000$50,334 equity gap
- Rate
- 3.13%
7.40%today- Payment
- $1,427/mo
$2,305today
- 2beds
- 3baths
- 1,552sqft
Joelton, Tennessee
Assumable homes for salein Joelton, Tennessee.
6 homes in Joelton 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
Joelton assumable market
by the numbers.
6active assumable listings
2.80%lowest locked rate
$399kmedian list price
$460saved per month vs. 7.2%
About the market
Assumable mortgagesin Joelton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Joelton. Updated October 2026.
How assumptions work for buyersJoelton, Tennessee has 6 homes for sale with an assumable mortgage as of October 2026: 4 FHA loans and 2 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 Joelton assumable listings start at 2.80% with a median of 6.04%; 1 listing is under 4% and 2 are under 5%.
The median assumable home in Joelton lists for $399,450, with a median of $90,322 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 $1,955 a month versus $2,415 for the same balance at today's rate, roughly $460 kept every month and $5,526 a year. The most active Joelton ZIP codes are 37080 (6).
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 Joelton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Joelton
View all 6 on the map Homes on the marketin Joelton.
VA
Active
57$675,000$195,721 equity gap
- Rate
- 2.81%
7.40%today- Payment
- $2,252/mo
$3,789today
- 3beds
- 4baths
- 2,655sqft
1506 Arthur Ave, Nashville
FHA
Active
36$550,000$150,268 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $1,858/mo
$3,107today
- 3beds
- 4baths
- 2,003sqft
726 Inspiration Blvd, Madison
FHA
Active
21$385,000$90,876 equity gap
- Rate
- 2.95%
7.40%today- Payment
- $1,390/mo
$2,298today
- 2beds
- 3baths
- 1,440sqft
802 Briar Cir, Madison
FHA
Active
5$280,000$66,644 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,013/mo
$1,666today
- 3beds
- 2baths
- 1,097sqft
3249 Rainwood Dr, Nashville
FHA
Active
8$329,900$68,502 equity gap
- Rate
- 3.02%
7.40%today- Payment
- $1,245/mo
$2,040today
- 2beds
- 2baths
- 1,134sqft
1122 Litton Ave #212, Nashville
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 Joelton.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 6.04%
- Median list price
- $399,450
- Median cash to assume
- $90,322
Joelton listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Joelton listings by loan type
- FHA4 homesmedian 6.87%
- VA2 homesmedian 4.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Joelton ZIP code.
Each ZIP opens the Joelton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Joelton numbers
What an assumable ratedoes to a Joelton payment.
The sliders start at the median Joelton assumable listing: $399,450 list price and a 6.04% 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)$90,000
23% 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 Joelton
$1,974/mo
New loan at 7.20%$2,104
Assumed at 6.05%
$1,974
Every month$130
Over five years$7,815
Interest you never pay$141,64426-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 Joelton listing on UMe shows the actual balance, rate, and payment.
How it works in Joelton
How to assumea mortgage in Joelton.
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 Joelton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Joelton 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 $90,322 in Joelton 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 Joelton payment written in a different decade.
Joelton questions
Assuming a mortgagein Joelton.
The numbers below come from current Joelton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Joelton?
As of October 2026, UMe tracks 6 active assumable listings in Joelton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Joelton?
Current Joelton inventory breaks down as FHA (4, median 6.87%) and VA (2, median 4.04%). 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 Joelton?
The lowest rate on an active Joelton assumable listing is 2.80%, and the median across all 6 listings is 6.04%. 1 listing is under 4% and 2 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 Joelton?
Across current Joelton listings, the median principal-and-interest payment on the assumable loan is $1,955 per month versus $2,415 for the same balance at today's rates, a difference of about $460 every month, or $5,526 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 Joelton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Joelton that gap is currently a median of $90,322 on a median list price of $399,450. 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 Joelton ZIP codes have the most assumable homes?
The Joelton ZIP codes with the most active assumable listings are 37080 (6). 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 Joelton?
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 Joelton.The rate is already on the house.
Every listing on the Joelton map has a rate you can take over. Start with the ones in Joelton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
