FHA
Active
45$469,900$8,623 equity gap
- Rate
- 3.76%
7.40%today- Payment
- $2,337/mo
$3,490today
- —beds
- —baths
- 1,218sqft
Seymour, Tennessee
Assumable homes for salein Seymour, Tennessee.
1 home in Seymour carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.99%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Seymour assumable market
by the numbers.
1active assumable listing
2.99%lowest locked rate
$455kmedian list price
$487saved per month vs. 7.2%
About the market
Assumable mortgagesin Seymour, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Seymour. Updated October 2026.
How assumptions work for buyersSeymour, Tennessee has 1 home for sale with an assumable mortgage as of October 2026: 1 VA 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 Seymour assumable listings start at 2.99% with a median of 2.99%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Seymour lists for $455,000, with a median of $304,597 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 $734 a month versus $1,222 for the same balance at today's rate, roughly $487 kept every month and $5,849 a year. The most active Seymour ZIP codes are 37865 (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 Seymour assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Seymour
View all 1 on the map Homes on the marketin Seymour.
VA
Active
41$447,999$181,168 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $1,243/mo
$2,079today
- 5beds
- 3baths
- 2,496sqft
4777 Willow Bluff Circle, Knoxville
VA
Active
20$455,000$304,597 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $734/mo
$1,207today
- 3beds
- —baths
- 2,239sqft
323 Logan St, Seymour
VA
Active
37$429,500$262,298 equity gap
- Rate
- 3.13%
7.40%today- Payment
- $853/mo
$1,362today
- 3beds
- 2baths
- 1,718sqft
1915 Star Dust Way, Walland
FHA
Active
27$319,900$196,676 equity gap
- Rate
- 3.33%
7.40%today- Payment
- $626/mo
$986today
- 3beds
- 2baths
- 1,359sqft
400 Contentment Lane, Knoxville
FHA
Active
56$499,900$199,694 equity gap
- Rate
- 3.55%
7.40%today- Payment
- $1,490/mo
$2,283today
- 4beds
- 3baths
- 3,098sqft
2851 Southwinds Circle, Sevierville
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 Seymour.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.99%
- Median rate
- 2.99%
- Median list price
- $455,000
- Median cash to assume
- $304,597
Seymour listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Seymour listings by loan type
- VA1 homemedian 2.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Seymour ZIP code.
Each ZIP opens the Seymour map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Seymour numbers
What an assumable ratedoes to a Seymour payment.
The sliders start at the median Seymour assumable listing: $455,000 list price and a 2.99% 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)$305,000
67% 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 Seymour
$693/mo
New loan at 7.20%$1,018
Assumed at 3.00%
$693
Every month$325
Over five years$19,513
Interest you never pay$150,33826-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 Seymour listing on UMe shows the actual balance, rate, and payment.
How it works in Seymour
How to assumea mortgage in Seymour.
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 Seymour home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Seymour 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 $304,597 in Seymour 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 Seymour payment written in a different decade.
Seymour questions
Assuming a mortgagein Seymour.
The numbers below come from current Seymour inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Seymour?
As of October 2026, UMe tracks 1 active assumable listing in Seymour. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Seymour?
Current Seymour inventory breaks down as VA (1, median 2.99%). 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 Seymour?
The lowest rate on an active Seymour assumable listing is 2.99%, and the median across all 1 listing is 2.99%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Seymour?
Across current Seymour listings, the median principal-and-interest payment on the assumable loan is $734 per month versus $1,222 for the same balance at today's rates, a difference of about $487 every month, or $5,849 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 Seymour?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Seymour that gap is currently a median of $304,597 on a median list price of $455,000. 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 Seymour ZIP codes have the most assumable homes?
The Seymour ZIP codes with the most active assumable listings are 37865 (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 Seymour?
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 Seymour.The rate is already on the house.
Every listing on the Seymour map has a rate you can take over. Start with the ones in Seymour, get pre-qualified in minutes, and let UMe carry the assumption to closing.
