FHA
Active
18$399,900$74,057 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,508/mo
$2,515today
- 3beds
- 2baths
- 1,502sqft
Nolensville, Tennessee
Assumable homes for salein Nolensville, Tennessee.
8 homes in Nolensville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Nolensville assumable market
by the numbers.
8active assumable listings
2.96%lowest locked rate
$410kmedian list price
$450saved per month vs. 7.2%
About the market
Assumable mortgagesin Nolensville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Nolensville. Updated October 2026.
How assumptions work for buyersNolensville, Tennessee has 8 homes for sale with an assumable mortgage as of October 2026: 6 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 Nolensville assumable listings start at 2.96% with a median of 4.96%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Nolensville lists for $409,900, with a median of $120,623 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 $1,688 a month versus $2,138 for the same balance at today's rate, roughly $450 kept every month and $5,405 a year. The most active Nolensville ZIP codes are 37135 (8).
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 Nolensville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Nolensville
View all 8 on the map Homes on the marketin Nolensville.
FHA
Active
24$435,000$82,289 equity gap
- Rate
- 3.09%
7.40%today- Payment
- $1,704/mo
$2,767today
- 3beds
- 3baths
- 1,703sqft
203 Eisenhower Drive, Nashville
FHA
Active
46$709,900$65,990 equity gap
- Rate
- 3.69%
7.40%today- Payment
- $3,244/mo
$4,886today
- 4beds
- 3baths
- 3,122sqft
8937 Macauley Ln, Nolensville
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
VA
Active
25$459,000$114,789 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,605/mo
$2,681today
- 3beds
- 2baths
- 2,039sqft
514 Buford Johnson Rd, La Vergne
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 Nolensville.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 4.96%
- Median list price
- $409,900
- Median cash to assume
- $120,623
Nolensville listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Nolensville listings by loan type
- FHA6 homesmedian 4.10%
- VA2 homesmedian 6.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Nolensville ZIP code.
Each ZIP opens the Nolensville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Nolensville numbers
What an assumable ratedoes to a Nolensville payment.
The sliders start at the median Nolensville assumable listing: $409,900 list price and a 4.96% 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)$120,000
29% 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 Nolensville
$1,654/mo
New loan at 7.20%$1,968
Assumed at 4.95%
$1,654
Every month$314
Over five years$18,859
Interest you never pay$192,55226-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 Nolensville listing on UMe shows the actual balance, rate, and payment.
How it works in Nolensville
How to assumea mortgage in Nolensville.
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 Nolensville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Nolensville 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 $120,623 in Nolensville 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 Nolensville payment written in a different decade.
Nolensville questions
Assuming a mortgagein Nolensville.
The numbers below come from current Nolensville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Nolensville?
As of October 2026, UMe tracks 8 active assumable listings in Nolensville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Nolensville?
Current Nolensville inventory breaks down as FHA (6, median 4.10%) and VA (2, median 6.30%). 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 Nolensville?
The lowest rate on an active Nolensville assumable listing is 2.96%, and the median across all 8 listings is 4.96%. 3 listings are under 4% and 4 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 Nolensville?
Across current Nolensville listings, the median principal-and-interest payment on the assumable loan is $1,688 per month versus $2,138 for the same balance at today's rates, a difference of about $450 every month, or $5,405 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 Nolensville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Nolensville that gap is currently a median of $120,623 on a median list price of $409,900. 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 Nolensville ZIP codes have the most assumable homes?
The Nolensville ZIP codes with the most active assumable listings are 37135 (8). 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 Nolensville?
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 Nolensville.The rate is already on the house.
Every listing on the Nolensville map has a rate you can take over. Start with the ones in Nolensville, get pre-qualified in minutes, and let UMe carry the assumption to closing.
