FHA
Active
39$459,900$91,484 equity gap
- Rate
- 3.22%
7.40%today- Payment
- $1,767/mo
$2,821today
- 5beds
- 4baths
- 2,722sqft
Lawrenceburg, Tennessee
Assumable homes for salein Lawrenceburg, Tennessee.
13 homes in Lawrenceburg carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lawrenceburg assumable market
by the numbers.
13active assumable listings
2.87%lowest locked rate
$314kmedian list price
$134saved per month vs. 7.2%
About the market
Assumable mortgagesin Lawrenceburg, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Lawrenceburg. Updated October 2026.
How assumptions work for buyersLawrenceburg, Tennessee has 13 homes for sale with an assumable mortgage as of October 2026: 11 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 Lawrenceburg assumable listings start at 2.87% with a median of 6.32%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Lawrenceburg lists for $314,000, with a median of $78,782 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 $1,724 a month versus $1,858 for the same balance at today's rate, roughly $134 kept every month and $1,609 a year. The most active Lawrenceburg ZIP codes are 38464 (13).
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 Lawrenceburg assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lawrenceburg
View all 13 on the map Homes on the marketin Lawrenceburg.
VA
Active
31$199,900$77,314 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $590/mo
$962today
- 2beds
- 1baths
- 1,070sqft
502 5th St, Lawrenceburg
FHA
Active
40$459,000$202,426 equity gap
- Rate
- 2.80%
7.40%today- Payment
- $1,190/mo
$2,006today
- 3beds
- 3baths
- 2,001sqft
17 Tad Rd, Leoma
FHA
Active
28$239,900$106,328 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $639/mo
$1,067today
- 3beds
- 2baths
- 1,272sqft
1414 Triple K Ave, Lawrenceburg
VA
Active
45$659,000$383,920 equity gap
- Rate
- 3.00%
7.40%today- Payment
- $1,310/mo
$2,152today
- 4beds
- 2baths
- 2,984sqft
54 Purcell Rd, Leoma
FHA
Active
58$250,000$175,083 equity gap
- Rate
- 3.59%
7.40%today- Payment
- $512/mo
$780today
- 3beds
- 2baths
- 1,700sqft
174 Mavis Dr, Ethridge
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 Lawrenceburg.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 13
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 6.32%
- Median list price
- $314,000
- Median cash to assume
- $78,782
Lawrenceburg listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up10 homes
Lawrenceburg listings by loan type
- FHA11 homesmedian 6.64%
- VA2 homesmedian 4.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lawrenceburg ZIP code.
Each ZIP opens the Lawrenceburg map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lawrenceburg numbers
What an assumable ratedoes to a Lawrenceburg payment.
The sliders start at the median Lawrenceburg assumable listing: $314,000 list price and a 6.32% 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)$80,000
25% 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 Lawrenceburg
$1,533/mo
New loan at 7.20%$1,595
Assumed at 6.30%
$1,533
Every month$62
Over five years$3,729
Interest you never pay$95,96026-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 Lawrenceburg listing on UMe shows the actual balance, rate, and payment.
How it works in Lawrenceburg
How to assumea mortgage in Lawrenceburg.
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 Lawrenceburg home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lawrenceburg 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 $78,782 in Lawrenceburg 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 Lawrenceburg payment written in a different decade.
Lawrenceburg questions
Assuming a mortgagein Lawrenceburg.
The numbers below come from current Lawrenceburg inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lawrenceburg?
As of October 2026, UMe tracks 13 active assumable listings in Lawrenceburg. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lawrenceburg?
Current Lawrenceburg inventory breaks down as FHA (11, median 6.64%) and VA (2, median 4.57%). 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 Lawrenceburg?
The lowest rate on an active Lawrenceburg assumable listing is 2.87%, and the median across all 13 listings is 6.32%. 3 listings are under 4% and 3 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 Lawrenceburg?
Across current Lawrenceburg listings, the median principal-and-interest payment on the assumable loan is $1,724 per month versus $1,858 for the same balance at today's rates, a difference of about $134 every month, or $1,609 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 Lawrenceburg?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lawrenceburg that gap is currently a median of $78,782 on a median list price of $314,000. 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 Lawrenceburg ZIP codes have the most assumable homes?
The Lawrenceburg ZIP codes with the most active assumable listings are 38464 (13). 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 Lawrenceburg?
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 Lawrenceburg.The rate is already on the house.
Every listing on the Lawrenceburg map has a rate you can take over. Start with the ones in Lawrenceburg, get pre-qualified in minutes, and let UMe carry the assumption to closing.
