FHA
Active
29$325,000$55,134 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,281/mo
$2,075today
- 2beds
- 2baths
- 1,053sqft
Mount Juliet, Tennessee
Assumable homes for salein Mount Juliet, Tennessee.
45 homes in Mount Juliet carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mount Juliet assumable market
by the numbers.
45active assumable listings
2.25%lowest locked rate
$572kmedian list price
$374saved per month vs. 7.2%
About the market
Assumable mortgagesin Mount Juliet, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Mount Juliet. Updated October 2026.
How assumptions work for buyersMount Juliet, Tennessee has 45 homes for sale with an assumable mortgage as of October 2026: 24 FHA loans and 21 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 Mount Juliet assumable listings start at 2.25% with a median of 6.11%; 14 listings are under 4% and 18 are under 5%.
The median assumable home in Mount Juliet lists for $572,450, with a median of $109,457 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 $2,509 a month versus $2,883 for the same balance at today's rate, roughly $374 kept every month and $4,488 a year. The most active Mount Juliet ZIP codes are 37122 (45).
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 Mount Juliet assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mount Juliet
View all 45 on the map Homes on the marketin Mount Juliet.
FHA
Active
19$292,500$42,612 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,226/mo
$1,903today
- 3beds
- 1baths
- 1,000sqft
1205 Fuller St, Old Hickory
FHA
Active
44$318,500$89,304 equity gap
- Rate
- 2.73%
7.40%today- Payment
- $1,067/mo
$1,815today
- 3beds
- 3baths
- 1,692sqft
214 Netherlands Blvd, Lebanon
FHA
Active
67$419,995$91,990 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $1,525/mo
$2,549today
- 4beds
- 3baths
- 2,635sqft
3840 Lake Aire Dr, Nashville
FHA
Active
30$419,000$109,223 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,445/mo
$2,413today
- 4beds
- 3baths
- 1,991sqft
622 Oakwood Ter, Mount Juliet
FHA
Active
28$415,900$109,652 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,427/mo
$2,379today
- 4beds
- 3baths
- 2,070sqft
5032 Pebble Creek Dr, Antioch
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 Mount Juliet.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 45
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 6.11%
- Median list price
- $572,450
- Median cash to assume
- $109,457
Mount Juliet listings by locked rate
- Under 4%14 homes
- 4% – 5%4 homes
- 5% – 6%4 homes
- 6% and up23 homes
Mount Juliet listings by loan type
- FHA24 homesmedian 5.74%
- VA21 homesmedian 6.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mount Juliet ZIP code.
Each ZIP opens the Mount Juliet map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mount Juliet numbers
What an assumable ratedoes to a Mount Juliet payment.
The sliders start at the median Mount Juliet assumable listing: $572,450 list price and a 6.11% 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)$105,000
18% 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 Mount Juliet
$2,975/mo
New loan at 7.20%$3,156
Assumed at 6.10%
$2,975
Every month$181
Over five years$10,858
Interest you never pay$207,96926-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 Mount Juliet listing on UMe shows the actual balance, rate, and payment.
How it works in Mount Juliet
How to assumea mortgage in Mount Juliet.
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 Mount Juliet home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mount Juliet 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 $109,457 in Mount Juliet 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 Mount Juliet payment written in a different decade.
Mount Juliet questions
Assuming a mortgagein Mount Juliet.
The numbers below come from current Mount Juliet inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mount Juliet?
As of October 2026, UMe tracks 45 active assumable listings in Mount Juliet. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mount Juliet?
Current Mount Juliet inventory breaks down as FHA (24, median 5.74%) and VA (21, median 6.22%). 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 Mount Juliet?
The lowest rate on an active Mount Juliet assumable listing is 2.25%, and the median across all 45 listings is 6.11%. 14 listings are under 4% and 18 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 Mount Juliet?
Across current Mount Juliet listings, the median principal-and-interest payment on the assumable loan is $2,509 per month versus $2,883 for the same balance at today's rates, a difference of about $374 every month, or $4,488 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 Mount Juliet?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mount Juliet that gap is currently a median of $109,457 on a median list price of $572,450. 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 Mount Juliet ZIP codes have the most assumable homes?
The Mount Juliet ZIP codes with the most active assumable listings are 37122 (45). 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 Mount Juliet?
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 Mount Juliet.The rate is already on the house.
Every listing on the Mount Juliet map has a rate you can take over. Start with the ones in Mount Juliet, get pre-qualified in minutes, and let UMe carry the assumption to closing.
