Chris Prendergast

Chris Prendergast

(808) 388-5555

North Carolina · Statewide

Assumable homes for salein North Carolina.

1,712 homes in North Carolina 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%.

Browse 1,712 North Carolina listings Get pre-qualified

Live MLS data · Updated

North Carolina assumable market
by the numbers.

1,712active assumable listings
2.25%lowest locked rate
$340kmedian list price
$455saved per month vs. 7.2%
Across North Carolina

Assumable homesby North Carolina city.

Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.

Search all of North Carolina on the map
  1. 01Fayetteville372372 assumable homes · median 5.23%
  2. 02Raleigh119119 assumable homes · median 5.04%
  3. 03Raeford7575 assumable homes · median 6.12%
  4. 04Durham7171 assumable homes · median 4.37%
  5. 05Clayton6565 assumable homes · median 4.42%
  6. 06Sanford5757 assumable homes · median 4.72%
  7. 07Hope Mills5151 assumable homes · median 5.27%
  8. 08Spring Lake4141 assumable homes · median 5.13%
  9. 09Cameron3939 assumable homes · median 4.99%
  10. 10Fuquay-Varina3434 assumable homes · median 5.61%
  11. 11Garner3434 assumable homes · median 4.42%
  12. 12Lillington3131 assumable homes · median 5.98%
  13. 13Angier3030 assumable homes · median 6.43%
  14. 14Zebulon2929 assumable homes · median 6.54%
  15. 15Wendell2525 assumable homes · median 6.73%
  16. 16Wake Forest2424 assumable homes · median 4.91%
  17. 17Goldsboro2323 assumable homes · median 6.09%
  18. 18Cary2222 assumable homes · median 4.49%
  19. 19Burlington2020 assumable homes · median 6.41%
  20. 20Linden1919 assumable homes · median 5.70%
  21. 21Louisburg1818 assumable homes · median 6.11%
  22. 22Apex1616 assumable homes · median 6.17%
  23. 23Dunn1515 assumable homes · median 5.25%
  24. 24Holly Springs1515 assumable homes · median 4.10%
  25. 25Parkton1515 assumable homes · median 6.22%
  26. 26Franklinton1414 assumable homes · median 4.73%
  27. 27Smithfield1414 assumable homes · median 6.42%
  28. 28Bunnlevel1313 assumable homes · median 6.35%
  29. 29Knightdale1313 assumable homes · median 4.40%
  30. 30Pittsboro1313 assumable homes · median 6.27%
  31. 31Carthage1212 assumable homes · median 6.21%
  32. 32Mebane1212 assumable homes · median 4.96%
  33. 33Rocky Mount1212 assumable homes · median 5.66%
  34. 34Benson1111 assumable homes · median 6.35%
  35. 35Henderson1111 assumable homes · median 6.69%
  36. 36Aberdeen1010 assumable homes · median 4.66%
  37. 37Graham1010 assumable homes · median 4.21%
  38. 38Rolesville1010 assumable homes · median 3.50%
  39. 39Broadway99 assumable homes · median 5.04%
  40. 40Oxford99 assumable homes · median 6.39%
  41. 41Roxboro99 assumable homes · median 6.42%
  42. 42Chapel Hill88 assumable homes · median 6.08%
  43. 43Lumberton88 assumable homes · median 6.24%
  44. 44Wilson88 assumable homes · median 6.57%
  45. 45Youngsville88 assumable homes · median 6.64%
  46. 46Creedmoor77 assumable homes · median 5.10%
  47. 47Erwin77 assumable homes · median 5.98%
  48. 48Greensboro77 assumable homes · median 3.92%
  49. 49Vass77 assumable homes · median 6.39%
  50. 50Four Oaks66 assumable homes · median 6.25%
  51. 51Hillsborough66 assumable homes · median 4.76%
  52. 52Kenly66 assumable homes · median 6.63%
  53. 53Middlesex66 assumable homes · median 6.62%
  54. 54Princeton66 assumable homes · median 5.99%
  55. 55Gibsonville55 assumable homes · median 6.49%
  56. 56Morrisville55 assumable homes · median 5.92%
  57. 57Nashville55 assumable homes · median 6.58%
  58. 58Selma55 assumable homes · median 6.79%
  59. 59Southern Pines55 assumable homes · median 3.97%
  60. 60Timberlake55 assumable homes · median 6.44%
  61. 61Wade55 assumable homes · median 5.23%
  62. 62Bailey44 assumable homes · median 6.35%
  63. 63Eastover44 assumable homes · median 3.50%
  64. 64Efland44 assumable homes · median 4.64%
  65. 65Fairmont44 assumable homes · median 6.43%
  66. 66Wagram44 assumable homes · median 3.24%
  67. 67Haw River33 assumable homes · median 6.86%
  68. 68Kinston33 assumable homes · median 6.76%
  69. 69Lumber Bridge33 assumable homes · median 6.32%
  70. 70Snow Camp33 assumable homes · median 6.22%
  71. 71Spring Hope33 assumable homes · median 6.66%
  72. 72Stedman33 assumable homes · median 6.31%
  73. 73Tarboro33 assumable homes · median 6.13%
  74. 74Whitsett33 assumable homes · median 6.10%
  75. 75Yanceyville33 assumable homes · median 3.00%
  76. 76Autryville22 assumable homes · median 4.67%
  77. 77Ayden22 assumable homes · median 6.67%
  78. 78Bahama22 assumable homes · median 4.73%
  79. 79Bennett22 assumable homes · median 6.58%
  80. 80Coats22 assumable homes · median 5.60%
  81. 81Elizabethtown22 assumable homes · median 6.26%
  82. 82Elon22 assumable homes · median 4.93%
  83. 83Fremont22 assumable homes · median 6.58%
  84. 84Kernersville22 assumable homes · median 5.60%
  85. 85Laurel Hill22 assumable homes · median 6.68%
  86. 86Liberty22 assumable homes · median 4.89%
  87. 87Lucama22 assumable homes · median 6.84%
  88. 88Macon22 assumable homes · median 6.52%
  89. 89Pikeville22 assumable homes · median 6.94%
  90. 90Rougemont22 assumable homes · median 6.89%
  91. 91Rowland22 assumable homes · median 6.84%
  92. 92Siler City22 assumable homes · median 5.22%
  93. 93West End22 assumable homes · median 6.28%
  94. 94Battleboro11 assumable home · median 6.42%
  95. 95Beaufort11 assumable home · median 4.42%
  96. 96Bullock11 assumable home · median 2.99%
  97. 97Butner11 assumable home · median 3.45%
  98. 98Castalia11 assumable home · median 3.50%
  99. 99Clinton11 assumable home · median 2.90%
  100. 100Concord11 assumable home · median 2.66%
  101. 101Dudley11 assumable home · median 6.00%
  102. 102Emerald Isle11 assumable home · median 3.55%
  103. 103Enfield11 assumable home · median 3.11%
  104. 104Farmville11 assumable home · median 6.17%
  105. 105Garland11 assumable home · median 6.78%
  106. 106Gastonia11 assumable home · median 6.74%
  107. 107Gibson11 assumable home · median 3.64%
  108. 108Godwin11 assumable home · median 7.23%
  109. 109Greenville11 assumable home · median 3.11%
  110. 110Hollister11 assumable home · median 3.55%
  111. 111Jackson Springs11 assumable home · median 4.72%
  112. 112Kings Mountain11 assumable home · median 6.72%
  113. 113Leasburg11 assumable home · median 3.31%
  114. 114Lexington11 assumable home · median 7.17%
  115. 115Maxton11 assumable home · median 3.58%
  116. 116McLeansville11 assumable home · median 6.35%
  117. 117Mocksville11 assumable home · median 7.03%
  118. 118Murphy11 assumable home · median 7.04%
  119. 119New Hill11 assumable home · median 2.88%
  120. 120Norlina11 assumable home · median 3.50%
  121. 121Oak Ridge11 assumable home · median 6.03%
  122. 122Pelham11 assumable home · median 3.50%
  123. 123Pinehurst11 assumable home · median 3.62%
  124. 124Pinetops11 assumable home · median 6.46%
  125. 125Prospect Hill11 assumable home · median 3.50%
  126. 126Providence11 assumable home · median 3.73%
  127. 127Red Springs11 assumable home · median 3.69%
  128. 128Reidsville11 assumable home · median 6.62%
  129. 129Robbins11 assumable home · median 3.85%
  130. 130Roper11 assumable home · median 6.47%
  131. 131Salemburg11 assumable home · median 7.09%
  132. 132Seven Springs11 assumable home · median 6.93%
  133. 133St. Pauls11 assumable home · median 3.07%
  134. 134Stem11 assumable home · median 6.17%
  135. 135Stokesdale11 assumable home · median 6.74%
  136. 136Warrenton11 assumable home · median 6.09%
  137. 137Warsaw11 assumable home · median 3.55%
  138. 138White Oak11 assumable home · median 3.47%

Also covered in North Carolina, no verified assumable listings today:

About the market

Assumable mortgagesin North Carolina, explained.

Every number on this page comes from the live MLS feeds UMe indexes across North Carolina. Updated October 2026.

How assumptions work for buyers

North Carolina has 1,712 homes for sale with an assumable mortgage as of October 2026: 1,074 VA loans and 638 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 North Carolina assumable listings start at 2.25% with a median of 5.70%; 580 listings are under 4% and 740 are under 5%.

The median assumable home in North Carolina lists for $339,500, with a median of $95,894 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 $1,361 a month versus $1,816 for the same balance at today's rate, roughly $455 kept every month and $5,457 a year. The deepest North Carolina inventory is in Fayetteville (372), Raleigh (119), Raeford (75), Durham (71), and Clayton (65).

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 North Carolina assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.

Verified across North Carolina

Homes on the marketacross North Carolina.

View all 1,712 on the map
3813 Cottage Rose Lane, Raleigh, NC, 27612 — assumable FHA mortgage at 3.00%
FHATop pick
Active
62
$950,000$60,529 equity gap
Rate
3.00%
7.40%today
Payment
$4,247/mo
$6,974today
  • 3beds
  • 3baths
  • 2,809sqft

3813 Cottage Rose Lane, Raleigh

2024 Bunchberry Lane, Durham, NC, 27703 — assumable FHA mortgage at 3.14%
FHATop pick
Active
56
$350,000$28,671 equity gap
Rate
3.14%
7.40%today
Payment
$1,537/mo
$2,480today
  • 3beds
  • 3baths
  • 1,932sqft

2024 Bunchberry Lane, Durham

3205 Dove Hunter Circle, Fayetteville, NC, 28306 — assumable VA mortgage at 2.875%
VA
Active
35
$365,000$62,049 equity gap
Rate
2.875%
7.40%today
Payment
$1,407/mo
$2,349today
  • 4beds
  • 3baths
  • 2,462sqft

3205 Dove Hunter Circle, Fayetteville

155 Tellmont Street, Raeford, NC, 28376 — assumable VA mortgage at 2.94%
VA
Active
50
$365,000$71,914 equity gap
Rate
2.94%
7.40%today
Payment
$1,387/mo
$2,295today
  • 4beds
  • 3baths
  • 3,085sqft

155 Tellmont Street, Raeford

6200 Saltville Court, Raleigh, NC, 27610 — assumable VA mortgage at 2.98%
VA
Active
17
$315,000$35,222 equity gap
Rate
2.98%
7.40%today
Payment
$1,312/mo
$2,160today
  • 3beds
  • 3baths
  • 1,703sqft

6200 Saltville Court, Raleigh

1403 Maple Avenue, Apex, NC, 27502 — assumable VA mortgage at 2.99%
VA
Active
67
$457,000$86,246 equity gap
Rate
2.99%
7.40%today
Payment
$1,745/mo
$2,869today
  • 4beds
  • 2baths
  • 1,831sqft

1403 Maple Avenue, Apex

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 North Carolina.

Live counts from the MLS feeds we index for North Carolina. Updated October 2026.

Active listings
1,712
UMe Certified / verified
0
Lowest rate
2.25%
Median rate
5.70%
Median list price
$339,500
Median cash to assume
$95,894

North Carolina listings by locked rate

  1. Under 4%580 homes
  2. 4% – 5%160 homes
  3. 5% – 6%146 homes
  4. 6% and up826 homes

North Carolina listings by loan type

  • VA1,074 homesmedian 5.23%
  • FHA638 homesmedian 6.11%

FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.

Run the North Carolina numbers

What an assumable ratedoes to a North Carolina payment.

The sliders start at the median North Carolina assumable listing: $339,500 list price and a 5.70% 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.

$340,000
$245,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

5.70%
26 yrs
Cash to assume (seller’s equity)$95,000

28% 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 North Carolina
$1,507/mo
New loan at 7.20%
$1,663
Assumed at 5.70%
$1,507
Every month$156
Over five years$9,337
Interest you never pay$128,37926-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 North Carolina listing on UMe shows the actual balance, rate, and payment.

Browse North Carolina listings See what you qualify for
How it works in North Carolina

How to assumea mortgage in North Carolina.

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
  1. 01

    Find a North Carolina home with a locked rate.

    Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the North Carolina map by existing rate, monthly payment, or cash to assume instead of by list price alone.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance, a median of $95,894 in North Carolina today. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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 North Carolina payment written in a different decade.

North Carolina questions

Assuming a mortgagein North Carolina.

The numbers below come from current North Carolina inventory and update as listings change.

All assumption FAQs

How many assumable homes are for sale in North Carolina?

As of October 2026, UMe tracks 1,712 active assumable listings in North Carolina. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.

What types of assumable loans are available in North Carolina?

Current North Carolina inventory breaks down as VA (1,074, median 5.23%) and FHA (638, median 6.11%). 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 North Carolina?

The lowest rate on an active North Carolina assumable listing is 2.25%, and the median across all 1,712 listings is 5.70%. 580 listings are under 4% and 740 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 North Carolina?

Across current North Carolina listings, the median principal-and-interest payment on the assumable loan is $1,361 per month versus $1,816 for the same balance at today's rates, a difference of about $455 every month, or $5,457 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 North Carolina?

When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In North Carolina that gap is currently a median of $95,894 on a median list price of $339,500. 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 North Carolina cities have the most assumable homes?

The deepest assumable inventory in North Carolina is in Fayetteville (372), Raleigh (119), Raeford (75), Durham (71), and Clayton (65). Each city has its own page with live counts, rates, and neighborhoods, and the North Carolina map lets you search the whole state at once.

How long does a mortgage assumption take in North Carolina?

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.

Ready when you are

Stop overpaying for North Carolina.The rate is already on the house.

Every listing on the North Carolina map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.

Browse North Carolina homes Talk to an assumption expert Selling a low rate? List it
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