FHATop pick
Active
70$2,700,000Potential short sale
- Rate
- 2.32%
7.40%today- Payment
- $31,535/mo
$44,132today
- 5beds
- 7baths
- 5,391sqft
Pegram, Tennessee
Assumable homes for salein Pegram, Tennessee.
3 homes in Pegram carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pegram assumable market
by the numbers.
3active assumable listings
2.72%lowest locked rate
$650kmedian list price
$1,181saved per month vs. 7.2%
About the market
Assumable mortgagesin Pegram, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Pegram. Updated October 2026.
How assumptions work for buyersPegram, Tennessee has 3 homes for sale with an assumable mortgage as of October 2026: 2 VA loans and 1 FHA loan 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 Pegram assumable listings start at 2.72% with a median of 3.98%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Pegram lists for $649,950, with a median of $301,263 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 $1,634 a month versus $2,815 for the same balance at today's rate, roughly $1,181 kept every month and $14,172 a year. The most active Pegram ZIP codes are 37143 (3).
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 Pegram assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pegram
View all 3 on the map Homes on the marketin Pegram.
VA
Active
35$256,900$47,558 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $973/mo
$1,627today
- 2beds
- 2baths
- 1,530sqft
214 Old Hickory Blvd #187, Nashville
VA
Active
39$434,989$88,992 equity gap
- Rate
- 3.02%
7.40%today- Payment
- $1,648/mo
$2,700today
- 3beds
- 3baths
- 1,794sqft
1091 General George Patton Rd, Nashville
FHA
Active
45$565,000$129,242 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $2,069/mo
$3,350today
- 4beds
- 3baths
- 2,618sqft
5015 Bobo Ct, Fairview
FHA
Active
17$289,000$46,052 equity gap
- Rate
- 3.85%
7.40%today- Payment
- $1,243/mo
$1,836today
- 2beds
- 3baths
- 1,166sqft
402 Post Creek Rd, Nashville
FHA
Active
47$440,000$301,859 equity gap
- Rate
- 2.27%
7.40%today- Payment
- $717/mo
$1,201today
- 3beds
- 3baths
- 1,914sqft
2245 Highway 12, Ashland City
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 Pegram.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 3.98%
- Median list price
- $649,950
- Median cash to assume
- $301,263
Pegram listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Pegram listings by loan type
- VA2 homesmedian 4.17%
- FHA1 homemedian 3.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pegram ZIP code.
Each ZIP opens the Pegram map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pegram numbers
What an assumable ratedoes to a Pegram payment.
The sliders start at the median Pegram assumable listing: $649,950 list price and a 3.98% 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)$300,000
46% 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 Pegram
$1,806/mo
New loan at 7.20%$2,376
Assumed at 4.00%
$1,806
Every month$570
Over five years$34,175
Interest you never pay$291,74826-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 Pegram listing on UMe shows the actual balance, rate, and payment.
How it works in Pegram
How to assumea mortgage in Pegram.
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 Pegram home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pegram 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 $301,263 in Pegram 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 Pegram payment written in a different decade.
Pegram questions
Assuming a mortgagein Pegram.
The numbers below come from current Pegram inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pegram?
As of October 2026, UMe tracks 3 active assumable listings in Pegram. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pegram?
Current Pegram inventory breaks down as VA (2, median 4.17%) and FHA (1, median 3.98%). 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 Pegram?
The lowest rate on an active Pegram assumable listing is 2.72%, and the median across all 3 listings is 3.98%. 2 listings are under 4% and 2 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 Pegram?
Across current Pegram listings, the median principal-and-interest payment on the assumable loan is $1,634 per month versus $2,815 for the same balance at today's rates, a difference of about $1,181 every month, or $14,172 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 Pegram?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pegram that gap is currently a median of $301,263 on a median list price of $649,950. 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 Pegram ZIP codes have the most assumable homes?
The Pegram ZIP codes with the most active assumable listings are 37143 (3). 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 Pegram?
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 Pegram.The rate is already on the house.
Every listing on the Pegram map has a rate you can take over. Start with the ones in Pegram, get pre-qualified in minutes, and let UMe carry the assumption to closing.
