FHA
Active
18$324,000$82,082 equity gap
- Rate
- 3.69%
7.40%today- Payment
- $1,219/mo
$1,836today
- 4beds
- 2baths
- 1,632sqft
Jonesborough, Tennessee
Assumable homes for salein Jonesborough, Tennessee.
3 homes in Jonesborough carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.56%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Jonesborough assumable market
by the numbers.
3active assumable listings
3.56%lowest locked rate
$324kmedian list price
$559saved per month vs. 7.2%
About the market
Assumable mortgagesin Jonesborough, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Jonesborough. Updated October 2026.
How assumptions work for buyersJonesborough, Tennessee has 3 homes for sale with an assumable mortgage as of October 2026: 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 Jonesborough assumable listings start at 3.56% with a median of 3.69%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Jonesborough lists for $324,000, with a median of $82,951 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 $1,183 a month versus $1,742 for the same balance at today's rate, roughly $559 kept every month and $6,708 a year. The most active Jonesborough ZIP codes are 37659 (3).
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 Jonesborough assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Jonesborough
View all 3 on the map Homes on the marketin Jonesborough.
FHA
Active
37$399,900$174,368 equity gap
- Rate
- 3.56%
7.40%today- Payment
- $1,125/mo
$1,721today
- 3beds
- 3baths
- 2,138sqft
536 Elmer Walker Road, Jonesborough
FHA
Active
23$266,500$82,951 equity gap
- Rate
- 6.58%
7.40%today- Payment
- $1,183/mo
$1,285today
- 3beds
- 2baths
- 1,050sqft
108 Woodland Circle, Jonesborough
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 Jonesborough.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.56%
- Median rate
- 3.69%
- Median list price
- $324,000
- Median cash to assume
- $82,951
Jonesborough listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Jonesborough listings by loan type
- FHA3 homesmedian 3.69%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Jonesborough ZIP code.
Each ZIP opens the Jonesborough map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Jonesborough numbers
What an assumable ratedoes to a Jonesborough payment.
The sliders start at the median Jonesborough assumable listing: $324,000 list price and a 3.69% 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)$85,000
26% 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 Jonesborough
$1,199/mo
New loan at 7.20%$1,629
Assumed at 3.70%
$1,199
Every month$430
Over five years$25,820
Interest you never pay$212,46126-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 Jonesborough listing on UMe shows the actual balance, rate, and payment.
How it works in Jonesborough
How to assumea mortgage in Jonesborough.
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 Jonesborough home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Jonesborough 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 $82,951 in Jonesborough 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 Jonesborough payment written in a different decade.
Jonesborough questions
Assuming a mortgagein Jonesborough.
The numbers below come from current Jonesborough inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Jonesborough?
As of October 2026, UMe tracks 3 active assumable listings in Jonesborough. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Jonesborough?
Current Jonesborough inventory breaks down as FHA (3, median 3.69%). 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 Jonesborough?
The lowest rate on an active Jonesborough assumable listing is 3.56%, and the median across all 3 listings is 3.69%. 2 listings are 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 Jonesborough?
Across current Jonesborough listings, the median principal-and-interest payment on the assumable loan is $1,183 per month versus $1,742 for the same balance at today's rates, a difference of about $559 every month, or $6,708 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 Jonesborough?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Jonesborough that gap is currently a median of $82,951 on a median list price of $324,000. 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 Jonesborough ZIP codes have the most assumable homes?
The Jonesborough ZIP codes with the most active assumable listings are 37659 (3). 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 Jonesborough?
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 Jonesborough.The rate is already on the house.
Every listing on the Jonesborough map has a rate you can take over. Start with the ones in Jonesborough, get pre-qualified in minutes, and let UMe carry the assumption to closing.
