VA
Active
54$499,000$173,252 equity gap
- Rate
- 2.67%
7.40%today- Payment
- $1,514/mo
$2,595today
- 4beds
- 3baths
- 3,120sqft
Seven Springs, North Carolina
Assumable homes for salein Seven Springs, North Carolina.
1 home in Seven Springs carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.93%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Seven Springs assumable market
by the numbers.
1active assumable listing
6.93%lowest locked rate
$675kmedian list price
$82saved per month vs. 7.2%
About the market
Assumable mortgagesin Seven Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for North Carolina, filtered to Seven Springs. Updated August 2026.
How assumptions work for buyersSeven Springs, North Carolina has 1 home for sale with an assumable mortgage as of August 2026: 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 Seven Springs assumable listings start at 6.93% with a median of 6.93%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Seven Springs lists for $674,900, with a median of $472,095 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 $1,444 for the same balance at today's rate, roughly $82 kept every month and $988 a year. The most active Seven Springs ZIP codes are 28578 (1).
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 Seven Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Seven Springs
View all 1 on the map Homes on the marketin Seven Springs.
FHA
Active
3$320,000$114,413 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $957/mo
$1,598today
- 5beds
- 2baths
- 2,545sqft
215 Spence Avenue, Goldsboro
VA
Active
38$435,000$250,197 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,030/mo
$1,593today
- 4beds
- 3baths
- 2,432sqft
208 Sevendales Drive, Goldsboro
FHA
Active
17$149,000$149,000 equity gap
- Rate
- 3.00%
7.40%today- Payment
- $0/mo
- 2beds
- 1baths
- 1,039sqft
804 Pine Street, Goldsboro
VA
Active
119$699,900$192,856 equity gap
- Rate
- 4.42%
7.40%today- Payment
- $2,756/mo
$3,801today
- 4beds
- 5baths
- 3,757sqft
622 Lake Shore Drive, Goldsboro
VA
Active
53$249,500$124,838 equity gap
- Rate
- 4.04%
7.40%today- Payment
- $786/mo
$1,135today
- 3beds
- 3baths
- 2,408sqft
1500 Mulberry Street, Goldsboro
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 Seven Springs.
Live counts from the MLS feeds we index for North Carolina. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.93%
- Median rate
- 6.93%
- Median list price
- $674,900
- Median cash to assume
- $472,095
Seven Springs listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Seven Springs listings by loan type
- FHA1 homemedian 6.93%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Seven Springs ZIP code.
Each ZIP opens the Seven Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Seven Springs numbers
What an assumable ratedoes to a Seven Springs payment.
The sliders start at the median Seven Springs assumable listing: $674,900 list price and a 6.93% 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)$470,000
70% 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 Seven Springs
$1,422/mo
New loan at 7.20%$1,392
Assumed at 6.95%
$1,422
Every month$0
Over five years$0
Interest you never pay$57,30926-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 Seven Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Seven Springs
How to assumea mortgage in Seven Springs.
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 Seven Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Seven Springs 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 $472,095 in Seven Springs 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 Seven Springs payment written in a different decade.
Seven Springs questions
Assuming a mortgagein Seven Springs.
The numbers below come from current Seven Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Seven Springs?
As of August 2026, UMe tracks 1 active assumable listing in Seven Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Seven Springs?
Current Seven Springs inventory breaks down as FHA (1, median 6.93%). 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 Seven Springs?
The lowest rate on an active Seven Springs assumable listing is 6.93%, and the median across all 1 listing is 6.93%. 0 listings are under 4% and 0 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 Seven Springs?
Across current Seven Springs listings, the median principal-and-interest payment on the assumable loan is $1,361 per month versus $1,444 for the same balance at today's rates, a difference of about $82 every month, or $988 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 Seven Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Seven Springs that gap is currently a median of $472,095 on a median list price of $674,900. 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 Seven Springs ZIP codes have the most assumable homes?
The Seven Springs ZIP codes with the most active assumable listings are 28578 (1). 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 Seven Springs?
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 North Carolina More assumable homesin North Carolina.
Ready when you are
Stop overpaying for Seven Springs.The rate is already on the house.
Every listing on the Seven Springs map has a rate you can take over. Start with the ones in Seven Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
