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
Thompsons Station, Tennessee
Assumable homes for salein Thompsons Station, Tennessee.
9 homes in Thompsons Station carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Thompsons Station assumable market
by the numbers.
9active assumable listings
2.87%lowest locked rate
$720kmedian list price
$525saved per month vs. 7.2%
About the market
Assumable mortgagesin Thompsons Station, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Thompsons Station. Updated October 2026.
How assumptions work for buyersThompsons Station, Tennessee has 9 homes for sale with an assumable mortgage as of October 2026: 6 FHA loans and 3 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 Thompsons Station assumable listings start at 2.87% with a median of 6.87%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Thompsons Station lists for $719,900, with a median of $130,334 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 $2,949 a month versus $3,474 for the same balance at today's rate, roughly $525 kept every month and $6,299 a year. The most active Thompsons Station ZIP codes are 37179 (9).
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 Thompsons Station assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Thompsons Station
View all 9 on the map Homes on the marketin Thompsons Station.
FHA
Active
40$335,000$65,992 equity gap
- Rate
- 2.63%
7.40%today- Payment
- $1,205/mo
$2,075today
- 3beds
- 3baths
- 1,638sqft
729 Prairie View Dr, Columbia
FHA
Active
22$349,900$50,667 equity gap
- Rate
- 3.22%
7.40%today- Payment
- $1,435/mo
$2,292today
- 3beds
- 3baths
- 1,757sqft
130 Keelon Gap Rd, Spring Hill
FHA
Active
27$419,000$17,949 equity gap
- Rate
- 3.99%
7.40%today- Payment
- $1,971/mo
$2,862today
- 3beds
- 3baths
- 2,136sqft
2122 Youngfellow Dr, Columbia
FHA
Active
28$335,000$95,134 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $1,154/mo
$1,883today
- 3beds
- 3baths
- 1,559sqft
2708 Swarm Ct, Columbia
FHA
Active
29$369,000$17,500 equity gap
- Rate
- 4.25%
7.40%today- Payment
- $1,744/mo
$2,454today
- 3beds
- 2baths
- 1,652sqft
2014 Sellerback Way, Columbia
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 Thompsons Station.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 6.87%
- Median list price
- $719,900
- Median cash to assume
- $130,334
Thompsons Station listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up8 homes
Thompsons Station listings by loan type
- FHA6 homesmedian 7.09%
- VA3 homesmedian 6.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Thompsons Station ZIP code.
Each ZIP opens the Thompsons Station map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Thompsons Station numbers
What an assumable ratedoes to a Thompsons Station payment.
The sliders start at the median Thompsons Station assumable listing: $719,900 list price and a 6.87% 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)$130,000
18% 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 Thompsons Station
$4,054/mo
New loan at 7.20%$4,005
Assumed at 6.85%
$4,054
Every month$0
Over five years$0
Interest you never pay$176,76326-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 Thompsons Station listing on UMe shows the actual balance, rate, and payment.
How it works in Thompsons Station
How to assumea mortgage in Thompsons Station.
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 Thompsons Station home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Thompsons Station 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 $130,334 in Thompsons Station 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 Thompsons Station payment written in a different decade.
Thompsons Station questions
Assuming a mortgagein Thompsons Station.
The numbers below come from current Thompsons Station inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Thompsons Station?
As of October 2026, UMe tracks 9 active assumable listings in Thompsons Station. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Thompsons Station?
Current Thompsons Station inventory breaks down as FHA (6, median 7.09%) and VA (3, median 6.23%). 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 Thompsons Station?
The lowest rate on an active Thompsons Station assumable listing is 2.87%, and the median across all 9 listings is 6.87%. 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 Thompsons Station?
Across current Thompsons Station listings, the median principal-and-interest payment on the assumable loan is $2,949 per month versus $3,474 for the same balance at today's rates, a difference of about $525 every month, or $6,299 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 Thompsons Station?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Thompsons Station that gap is currently a median of $130,334 on a median list price of $719,900. 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 Thompsons Station ZIP codes have the most assumable homes?
The Thompsons Station ZIP codes with the most active assumable listings are 37179 (9). 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 Thompsons Station?
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 Thompsons Station.The rate is already on the house.
Every listing on the Thompsons Station map has a rate you can take over. Start with the ones in Thompsons Station, get pre-qualified in minutes, and let UMe carry the assumption to closing.
