FHA
Active
21$115,000Potential short sale
- Rate
- 2.79%
7.40%today- Payment
- $584/mo
$986today
- —beds
- 1baths
- 1,092sqft
White Pine, Tennessee
Assumable homes for salein White Pine, Tennessee.
2 homes in White Pine carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.79%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
White Pine assumable market
by the numbers.
2active assumable listings
2.79%lowest locked rate
$195kmedian list price
$340saved per month vs. 7.2%
About the market
Assumable mortgagesin White Pine, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to White Pine. Updated October 2026.
How assumptions work for buyersWhite Pine, Tennessee has 2 homes for sale with an assumable mortgage as of October 2026: 2 FHA 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 White Pine assumable listings start at 2.79% with a median of 3.10%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in White Pine lists for $194,950, with a median of $185,276 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 $523 a month versus $863 for the same balance at today's rate, roughly $340 kept every month and $4,082 a year. The most active White Pine ZIP codes are 37890 (2).
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 White Pine assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in White Pine
View all 2 on the map Homes on the marketin White Pine.
FHA
Active
20$115,000Potential short sale
- Rate
- 2.79%
7.40%today- Payment
- $584/mo
$986today
- —beds
- —baths
- 1,092sqft
1602 Main Street, White Pine
FHA
Active
26$499,900$496,190 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $19/mo
$31today
- 3beds
- 2baths
- 1,906sqft
1055 Swannsylvania Road, Dandridge
FHA
Active
30$274,900$272,107 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $13/mo
$22today
- 2beds
- 2baths
- 1,560sqft
267 Lincoln Avenue, Newport
FHA
Active
30$274,900$185,276 equity gap
- Rate
- 3.40%
7.40%today- Payment
- $461/mo
$720today
- 3beds
- 2baths
- 1,196sqft
2205 Carmichael Rd, White Pine
FHA
Active
31$259,000$174,291 equity gap
- Rate
- 3.89%
7.40%today- Payment
- $494/mo
$726today
- 3beds
- 2baths
- 1,766sqft
752 Warford, Newport
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 White Pine.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.79%
- Median rate
- 3.10%
- Median list price
- $194,950
- Median cash to assume
- $185,276
White Pine listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
White Pine listings by loan type
- FHA2 homesmedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby White Pine ZIP code.
Each ZIP opens the White Pine map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the White Pine numbers
What an assumable ratedoes to a White Pine payment.
The sliders start at the median White Pine assumable listing: $194,950 list price and a 3.10% 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)$145,000
74% 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 White Pine
$234/mo
New loan at 7.20%$339
Assumed at 3.10%
$234
Every month$106
Over five years$6,347
Interest you never pay$49,29326-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 White Pine listing on UMe shows the actual balance, rate, and payment.
How it works in White Pine
How to assumea mortgage in White Pine.
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 White Pine home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the White Pine 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 $185,276 in White Pine 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 White Pine payment written in a different decade.
White Pine questions
Assuming a mortgagein White Pine.
The numbers below come from current White Pine inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in White Pine?
As of October 2026, UMe tracks 2 active assumable listings in White Pine. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in White Pine?
Current White Pine inventory breaks down as FHA (2, median 3.10%). 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 White Pine?
The lowest rate on an active White Pine assumable listing is 2.79%, and the median across all 2 listings is 3.10%. 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 White Pine?
Across current White Pine listings, the median principal-and-interest payment on the assumable loan is $523 per month versus $863 for the same balance at today's rates, a difference of about $340 every month, or $4,082 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 White Pine?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In White Pine that gap is currently a median of $185,276 on a median list price of $194,950. 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 White Pine ZIP codes have the most assumable homes?
The White Pine ZIP codes with the most active assumable listings are 37890 (2). 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 White Pine?
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 White Pine.The rate is already on the house.
Every listing on the White Pine map has a rate you can take over. Start with the ones in White Pine, get pre-qualified in minutes, and let UMe carry the assumption to closing.
