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
Old Hickory, Tennessee
Assumable homes for salein Old Hickory, Tennessee.
22 homes in Old Hickory carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Old Hickory assumable market
by the numbers.
22active assumable listings
2.73%lowest locked rate
$380kmedian list price
$551saved per month vs. 7.2%
About the market
Assumable mortgagesin Old Hickory, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Old Hickory. Updated October 2026.
How assumptions work for buyersOld Hickory, Tennessee has 22 homes for sale with an assumable mortgage as of October 2026: 16 FHA loans and 6 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 Old Hickory assumable listings start at 2.73% with a median of 4.46%; 10 listings are under 4% and 13 are under 5%.
The median assumable home in Old Hickory lists for $379,950, with a median of $171,819 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 $1,192 a month versus $1,743 for the same balance at today's rate, roughly $551 kept every month and $6,614 a year. The most active Old Hickory ZIP codes are 37138 (22).
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 Old Hickory assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Old Hickory
View all 22 on the map Homes on the marketin Old Hickory.
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
114 Brookside Dr, Hendersonville
FHA
Active
25$345,000$50,334 equity gap
- Rate
- 3.13%
7.40%today- Payment
- $1,427/mo
$2,305today
- 2beds
- 3baths
- 1,552sqft
742 Inspiration Blvd, Madison
FHA
Active
41$399,900$29,591 equity gap
- Rate
- 3.50%
7.40%today- Payment
- $1,839/mo
$2,835today
- 4beds
- 3baths
- 2,000sqft
2216 Milan Ct, Madison
FHA
Active
27$329,000$24,951 equity gap
- Rate
- 3.56%
7.40%today- Payment
- $1,510/mo
$2,311today
- 3beds
- 1baths
- 1,008sqft
321 Hickory St, Madison
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
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 Old Hickory.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 22
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 4.46%
- Median list price
- $379,950
- Median cash to assume
- $171,819
Old Hickory listings by locked rate
- Under 4%10 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up7 homes
Old Hickory listings by loan type
- FHA16 homesmedian 3.83%
- VA6 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Old Hickory ZIP code.
Each ZIP opens the Old Hickory map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Old Hickory numbers
What an assumable ratedoes to an Old Hickory payment.
The sliders start at the median Old Hickory assumable listing: $379,950 list price and a 4.46% 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)$170,000
45% 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 Old Hickory
$1,137/mo
New loan at 7.20%$1,425
Assumed at 4.45%
$1,137
Every month$288
Over five years$17,306
Interest you never pay$158,41126-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 Old Hickory listing on UMe shows the actual balance, rate, and payment.
How it works in Old Hickory
How to assumea mortgage in Old Hickory.
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 an Old Hickory home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Old Hickory 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 $171,819 in Old Hickory 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 an Old Hickory payment written in a different decade.
Old Hickory questions
Assuming a mortgagein Old Hickory.
The numbers below come from current Old Hickory inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Old Hickory?
As of October 2026, UMe tracks 22 active assumable listings in Old Hickory. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Old Hickory?
Current Old Hickory inventory breaks down as FHA (16, median 3.83%) and VA (6, median 6.26%). 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 Old Hickory?
The lowest rate on an active Old Hickory assumable listing is 2.73%, and the median across all 22 listings is 4.46%. 10 listings are under 4% and 13 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 Old Hickory?
Across current Old Hickory listings, the median principal-and-interest payment on the assumable loan is $1,192 per month versus $1,743 for the same balance at today's rates, a difference of about $551 every month, or $6,614 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 Old Hickory?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Old Hickory that gap is currently a median of $171,819 on a median list price of $379,950. 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 Old Hickory ZIP codes have the most assumable homes?
The Old Hickory ZIP codes with the most active assumable listings are 37138 (22). 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 Old Hickory?
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 Old Hickory.The rate is already on the house.
Every listing on the Old Hickory map has a rate you can take over. Start with the ones in Old Hickory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
