Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in Chattanooga, TN

54 homesFHA & VA loansrates from 2.72% vs 7.40% today

Chattanooga assumption guide
5505 Alabama Avenue, Chattanooga, TN, 37409 — assumable VA mortgage at 2.98%
VA
Active
37
$460,000$73,690 equity gap
Rate
2.98%
7.40%today
Payment
$1,828/mo
$3,010today
  • 3beds
  • 3baths
  • 1,904sqft

5505 Alabama Avenue, Chattanooga

1529 Springvale Road, Chattanooga, TN, 37412 — assumable FHA mortgage at 2.99%
FHA
Active
49
$199,900$73,659 equity gap
Rate
2.99%
7.40%today
Payment
$612/mo
$1,006today
  • 2beds
  • 2baths
  • 916sqft

1529 Springvale Road, Chattanooga

214 Houser Street, Chattanooga, TN, 37405 — assumable FHA mortgage at 2.72%
FHA
Active
39
$410,000$286,079 equity gap
Rate
2.72%
7.40%today
Payment
$579/mo
$986today
  • 4beds
  • 2baths
  • 1,907sqft

214 Houser Street, Chattanooga

4844 Pawnee Trail, Chattanooga, TN, 37411 — assumable FHA mortgage at 2.88%
FHA
Active
18
$299,000$128,488 equity gap
Rate
2.88%
7.40%today
Payment
$815/mo
$1,359today
  • 3beds
  • 2baths
  • 1,410sqft

4844 Pawnee Trail, Chattanooga

610 W Shadowlawn Dr, Chattanooga, TN, 37404 — assumable VA mortgage at 2.96%
VA
Active
42
$499,900$294,181 equity gap
Rate
2.96%
7.40%today
Payment
$973/mo
$1,607today
  • 5beds
  • 4baths
  • 3,165sqft

610 W Shadowlawn Dr, Chattanooga

5225 State Line Road, Chattanooga, TN, 37412 — assumable FHA mortgage at 2.98%
FHA
Active
30
$300,000$143,278 equity gap
Rate
2.98%
7.40%today
Payment
$743/mo
$1,224today
  • 3beds
  • 2baths
  • 1,776sqft

5225 State Line Road, Chattanooga

7306 Igou Gap Road, Chattanooga, TN, 37421 — assumable VA mortgage at 3.10%
VA
Active
$1,500,000$1,275,966 equity gap
Rate
3.10%
7.40%today
Payment
$1,106/mo
$1,794today
  • 3beds
  • 2baths
  • 1,500sqft

7306 Igou Gap Road, Chattanooga

7306 Igou Gap Road, Chattanooga, TN, 37421 — assumable VA mortgage at 3.10%
VA
Active
$1,500,000$1,275,966 equity gap
Rate
3.10%
7.40%today
Payment
$1,106/mo
$1,794today
  • 3beds
  • 2baths
  • 1,500sqft

7306 Igou Gap Road, Chattanooga

301 Dempsey Lane, Rossville, GA, 30741 — assumable VA mortgage at 3.10%
VA
Active
15
$25,000Potential short sale
Rate
3.10%
7.40%today
Payment
$708/mo
$1,148today
  • —beds
  • —baths
  • —sqft

301 Dempsey Lane, Rossville

301 Dempsey Lane, Rossville, GA, 30741 — assumable VA mortgage at 3.10%
VA
Active
18
$25,000Potential short sale
Rate
3.10%
7.40%today
Payment
$708/mo
$1,148today
  • —beds
  • —baths
  • —sqft

301 Dempsey Lane, Rossville

4722 Arrowhead Trl, Chattanooga, TN, 37411 — assumable FHA mortgage at 3.13%
FHA
Active
18
$149,900$120,226 equity gap
Rate
3.13%
7.40%today
Payment
$332/mo
$473today
  • 2beds
  • 1baths
  • 1,032sqft

4722 Arrowhead Trl, Chattanooga

54 Carrigan Circle, Ringgold, GA, 30736 — assumable FHA mortgage at 3.35%
FHA
Active
56
$358,000Potential short sale
Rate
3.35%
7.40%today
Payment
$2,558/mo
$4,018today
  • 4beds
  • 3baths
  • 2,138sqft

54 Carrigan Circle, Ringgold

1405 Highcrest Court, Hixson, TN, 37343 — assumable FHA mortgage at 3.36%
FHA
Active
41
$340,000$256,767 equity gap
Rate
3.36%
7.40%today
Payment
$555/mo
$870today
  • 4beds
  • 3baths
  • 2,238sqft

1405 Highcrest Court, Hixson

1514 Bailey Avenue, Chattanooga, TN, 37404 — assumable FHA mortgage at 4.25%
FHA
Active
51
$549,900$138,905 equity gap
Rate
4.25%
7.40%today
Payment
$2,091/mo
$2,943today
  • 4beds
  • 3baths
  • 2,537sqft

1514 Bailey Avenue, Chattanooga

112 E Manning Street, Chattanooga, TN, 37405 — assumable VA mortgage at 3.49%
VA
Active
27
$475,000$323,928 equity gap
Rate
3.49%
7.40%today
Payment
$793/mo
$1,224today
  • —beds
  • —baths
  • 2,120sqft

112 E Manning Street, Chattanooga

12 Talley Circle, Fort Oglethorpe, GA, 30742 — assumable FHA mortgage at 3.55%
FHA
Active
26
$269,000$173,601 equity gap
Rate
3.55%
7.40%today
Payment
$520/mo
$789today
  • 3beds
  • 1baths
  • 1,350sqft

12 Talley Circle, Fort Oglethorpe

39 Daybreak Drive, Rossville, GA, 30741 — assumable VA mortgage at 3.64%
VA
Active
42
$340,000$197,895 equity gap
Rate
3.64%
7.40%today
Payment
$779/mo
$1,170today
  • 2beds
  • 2baths
  • 1,600sqft

39 Daybreak Drive, Rossville

309 Renaissance Court, Chattanooga, TN, 37419 — assumable FHA mortgage at 3.64%
FHA
Active
58
$399,000$181,547 equity gap
Rate
3.64%
7.40%today
Payment
$1,148/mo
$1,740today
  • 3beds
  • 2baths
  • 1,862sqft

309 Renaissance Court, Chattanooga

1205 Poole Street, Rossville, GA, 30741 — assumable FHA mortgage at 5.13%
FHA
Active
32
$245,000$43,955 equity gap
Rate
5.13%
7.40%today
Payment
$1,189/mo
$1,503today
  • 3beds
  • 2baths
  • 1,336sqft

1205 Poole Street, Rossville

3520 Ridgeside Rd, Chattanooga, TN, 37411 — assumable FHA mortgage at 3.94%
FHA
Active
22
$249,900$182,631 equity gap
Rate
3.94%
7.40%today
Payment
$490/mo
$715today
  • 3beds
  • 2baths
  • 1,152sqft

3520 Ridgeside Rd, Chattanooga

3312 Mountain View Drive, Chattanooga, TN, 37419 — assumable VA mortgage at 5.75%
VA
Active
52
$465,000$5,470 equity gap
Rate
5.75%
7.40%today
Payment
$2,714/mo
$3,220today
  • 3beds
  • 2baths
  • 1,854sqft

3312 Mountain View Drive, Chattanooga

260 Quarter Street, Rossville, GA, 30741 — assumable FHA mortgage at 6.71%
FHA
Active
29
$307,000$11,553 equity gap
Rate
6.71%
7.40%today
Payment
$2,006/mo
$2,148today
  • 4beds
  • 3baths
  • 2,060sqft

260 Quarter Street, Rossville

767 Steele Road, Rossville, GA, 30741 — assumable FHA mortgage at 7.18%
FHA
Active
29
$250,000$2,943 equity gap
Rate
7.18%
7.40%today
Payment
$1,747/mo
$1,784today
  • 3beds
  • 2baths
  • 1,468sqft

767 Steele Road, Rossville

863 Flynn Street #204, Chattanooga, TN, 37403 — assumable FHA mortgage at 5.51%
FHA
Active
21
$290,000$51,193 equity gap
Rate
5.51%
7.40%today
Payment
$1,442/mo
$1,756today
  • 2beds
  • 2baths
  • 1,020sqft

863 Flynn Street #204, Chattanooga

300 Haney Drive, Chattanooga, TN, 37411 — assumable FHA mortgage at 4.22%
FHA
Active
37
$295,000$180,536 equity gap
Rate
4.22%
7.40%today
Payment
$674/mo
$952today
  • 3beds
  • 3baths
  • 2,122sqft

300 Haney Drive, Chattanooga

6113 Fisk Avenue, Chattanooga, TN, 37421 — assumable FHA mortgage at 5.55%
FHA
Active
50
$280,000$37,353 equity gap
Rate
5.55%
7.40%today
Payment
$1,469/mo
$1,781today
  • 4beds
  • 2baths
  • 1,541sqft

6113 Fisk Avenue, Chattanooga

2427 Leann Cir, Chattanooga, TN, 37406 — assumable FHA mortgage at 4.30%
FHA
Active
23
$275,000$184,081 equity gap
Rate
4.30%
7.40%today
Payment
$554/mo
$775today
  • 3beds
  • 2baths
  • 1,156sqft

2427 Leann Cir, Chattanooga

8171 Pennant Place, Chattanooga, TN, 37421 — assumable VA mortgage at 6.06%
VA
Active
43
$459,000$31,671 equity gap
Rate
6.06%
7.40%today
Payment
$2,594/mo
$2,977today
  • 4beds
  • 3baths
  • 2,311sqft

8171 Pennant Place, Chattanooga

1320 Gadd Road, Hixson, TN, 37343 — assumable VA mortgage at 6.26%
VA
Active
37
$330,000$25,227 equity gap
Rate
6.26%
7.40%today
Payment
$1,897/mo
$2,131today
  • 4beds
  • 3baths
  • 1,600sqft

1320 Gadd Road, Hixson

3007 Curtis Street, Chattanooga, TN, 37406 — assumable FHA mortgage at 6.44%
FHA
Active
30
$269,900$21,679 equity gap
Rate
6.44%
7.40%today
Payment
$1,591/mo
$1,754today
  • 3beds
  • 3baths
  • 1,288sqft

3007 Curtis Street, Chattanooga

52 Alder Circle, Rossville, GA, 30741 — assumable VA mortgage at 6.70%
VA
Active
28
$199,900$17,332 equity gap
Rate
6.70%
7.40%today
Payment
$1,252/mo
$1,342today
  • 4beds
  • 2baths
  • 1,459sqft

52 Alder Circle, Rossville

3303 Taylor Street, Chattanooga, TN, 37406 — assumable FHA mortgage at 6.76%
FHA
Active
24
$259,500$17,093 equity gap
Rate
6.76%
7.40%today
Payment
$1,594/mo
$1,700today
  • 3beds
  • 3baths
  • 1,296sqft

3303 Taylor Street, Chattanooga

140 Rock Bridge Drive, Ringgold, GA, 30736 — assumable FHA mortgage at 6.96%
FHA
Active
20
$299,000$17,473 equity gap
Rate
6.96%
7.40%today
Payment
$1,952/mo
$2,038today
  • 3beds
  • 2baths
  • 1,322sqft

140 Rock Bridge Drive, Ringgold

582 Pinewood Circle, Fort Oglethorpe, GA, 30742 — assumable FHA mortgage at 7.50%
FHA
Active
25
$289,900$18,350 equity gap
Rate
7.50%
7.40%today
Payment
$1,950/mo
$1,931today
  • 3beds
  • 3baths
  • 1,456sqft

582 Pinewood Circle, Fort Oglethorpe

7685 Magnolia Leaf Lane, Chattanooga, TN, 37421 — assumable FHA mortgage at 4.62%
FHA
Active
37
$300,000$211,070 equity gap
Rate
4.62%
7.40%today
Payment
$691/mo
$931today
  • 2beds
  • 2baths
  • 1,340sqft

7685 Magnolia Leaf Lane, Chattanooga

3915 Meadow Lane, Chattanooga, TN, 37406 — assumable FHA mortgage at 6.13%
FHA
Active
31
$287,000$32,660 equity gap
Rate
6.13%
7.40%today
Payment
$1,618/mo
$1,842today
  • 3beds
  • 3baths
  • 1,236sqft

3915 Meadow Lane, Chattanooga

Assuming a mortgage in Chattanooga

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.72%
Lowest existing payment
$332 /mo
Median cash to assume
$79,695
Chris Prendergast

Chris Prendergast

20 Degrees North

chris@20degreesn.com+1808388555520 Degrees North logo
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Beaston Group

Equal Housing Opportunity

20 Degrees North is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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