Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in North Carolina

200 homesVA & FHA loansrates from 1.67% vs 7.40% today

North Carolina assumption guide
3813 Cottage Rose Lane, Raleigh, NC, 27612 — assumable FHA mortgage at 3.00%
FHATop pick
Active
62
$950,000$60,529 equity gap
Rate
3.00%
7.40%today
Payment
$4,247/mo
$6,974today
  • 3beds
  • 3baths
  • 2,809sqft

3813 Cottage Rose Lane, Raleigh

2024 Bunchberry Lane, Durham, NC, 27703 — assumable FHA mortgage at 3.14%
FHATop pick
Active
56
$350,000$28,671 equity gap
Rate
3.14%
7.40%today
Payment
$1,537/mo
$2,480today
  • 3beds
  • 3baths
  • 1,932sqft

2024 Bunchberry Lane, Durham

3205 Dove Hunter Circle, Fayetteville, NC, 28306 — assumable VA mortgage at 2.875%
VA
Active
35
$365,000$62,049 equity gap
Rate
2.875%
7.40%today
Payment
$1,407/mo
$2,349today
  • 4beds
  • 3baths
  • 2,462sqft

3205 Dove Hunter Circle, Fayetteville

155 Tellmont Street, Raeford, NC, 28376 — assumable VA mortgage at 2.94%
VA
Active
50
$365,000$71,914 equity gap
Rate
2.94%
7.40%today
Payment
$1,387/mo
$2,295today
  • 4beds
  • 3baths
  • 3,085sqft

155 Tellmont Street, Raeford

250 Redbird Ln, Rutledge, TN, 37861 — assumable VA mortgage at 2.97%
VA
Active
$259,900$46,419 equity gap
Rate
2.97%
7.40%today
Payment
$1,021/mo
$1,682today
  • 5beds
  • 2baths
  • 1,484sqft

250 Redbird Ln, Rutledge

6200 Saltville Court, Raleigh, NC, 27610 — assumable VA mortgage at 2.98%
VA
Active
17
$315,000$35,222 equity gap
Rate
2.98%
7.40%today
Payment
$1,312/mo
$2,160today
  • 3beds
  • 3baths
  • 1,703sqft

6200 Saltville Court, Raleigh

1403 Maple Avenue, Apex, NC, 27502 — assumable VA mortgage at 2.99%
VA
Active
67
$457,000$86,246 equity gap
Rate
2.99%
7.40%today
Payment
$1,745/mo
$2,869today
  • 4beds
  • 2baths
  • 1,831sqft

1403 Maple Avenue, Apex

1906 Sunshine Court, Hope Mills, NC, 28348 — assumable VA mortgage at 3.01%
VA
Active
49
$299,000$52,661 equity gap
Rate
3.01%
7.40%today
Payment
$1,162/mo
$1,905today
  • 3beds
  • 3baths
  • 2,275sqft

1906 Sunshine Court, Hope Mills

3489 Thorndike Drive, Fayetteville, NC, 28311 — assumable VA mortgage at 3.02%
VA
Active
32
$258,000$50,221 equity gap
Rate
3.02%
7.40%today
Payment
$985/mo
$1,614today
  • 3beds
  • 3baths
  • 1,888sqft

3489 Thorndike Drive, Fayetteville

805 Shadowlawn Drive, Fayetteville, NC, 28303 — assumable VA mortgage at 3.05%
VA
Active
41
$214,000$24,909 equity gap
Rate
3.05%
7.40%today
Payment
$890/mo
$1,452today
  • 4beds
  • 2baths
  • 1,529sqft

805 Shadowlawn Drive, Fayetteville

1304 Nance Street, Burlington, NC, 27217 — assumable FHA mortgage at 3.05%
FHA
Active
22
$219,500$35,752 equity gap
Rate
3.05%
7.40%today
Payment
$867/mo
$1,414today
  • 3beds
  • 2baths
  • 1,249sqft

1304 Nance Street, Burlington

188 Lothian, Rocky Mount, NC, 27804 — assumable FHA mortgage at 3.05%
FHA
Active
33
$349,900$61,457 equity gap
Rate
3.05%
7.40%today
Payment
$1,366/mo
$2,229today
  • 3beds
  • 3baths
  • 1sqft

188 Lothian, Rocky Mount

311 Damsel Court, Linden, NC, 28356 — assumable VA mortgage at 3.10%
VA
Active
38
$350,000$65,477 equity gap
Rate
3.10%
7.40%today
Payment
$1,349/mo
$2,188today
  • 3beds
  • 3baths
  • 2,659sqft

311 Damsel Court, Linden

85 Squire Street, Fuquay Varina, NC, 27526 — assumable VA mortgage at 3.10%
VA
Active
63
$420,000$66,888 equity gap
Rate
3.10%
7.40%today
Payment
$1,678/mo
$2,721today
  • 4beds
  • 3baths
  • 2,162sqft

85 Squire Street, Fuquay Varina

4535 Gresham Drive, Oxford, NC, 27565 — assumable VA mortgage at 3.11%
VA
Active
28
$430,000$66,908 equity gap
Rate
3.11%
7.40%today
Payment
$1,728/mo
$2,797today
  • 4beds
  • 2baths
  • 2,022sqft

4535 Gresham Drive, Oxford

5113 Chapel Lane, Fayetteville, NC, 28314 — assumable VA mortgage at 3.12%
VA
Active
48
$239,900$42,068 equity gap
Rate
3.12%
7.40%today
Payment
$940/mo
$1,521today
  • 3beds
  • 3baths
  • 1,855sqft

5113 Chapel Lane, Fayetteville

43 Memuru Court, Zebulon, NC, 27597 — assumable FHA mortgage at 3.12%
FHA
Active
19
$339,999$52,145 equity gap
Rate
3.12%
7.40%today
Payment
$1,365/mo
$2,208today
  • 3beds
  • 3baths
  • 1,762sqft

43 Memuru Court, Zebulon

2513 Gardner Park Drive, Fayetteville, NC, 28304 — assumable FHA mortgage at 3.12%
FHA
Active
38
$225,000$39,270 equity gap
Rate
3.12%
7.40%today
Payment
$883/mo
$1,428today
  • 3beds
  • 3baths
  • 1,479sqft

2513 Gardner Park Drive, Fayetteville

244 Chateau Way, Angier, NC, 27526 — assumable VA mortgage at 3.625%
VA
Active
30
$360,000$9,604 equity gap
Rate
3.625%
7.40%today
Payment
$1,756/mo
$2,666today
  • 3beds
  • 2baths
  • 1,816sqft

244 Chateau Way, Angier

104 Jude Court, Dunn, NC, 28334 — assumable FHA mortgage at 3.14%
FHA
Active
35
$259,900$39,760 equity gap
Rate
3.14%
7.40%today
Payment
$1,053/mo
$1,699today
  • 3beds
  • 3baths
  • 1,626sqft

104 Jude Court, Dunn

9641 Lukes Run Road, Linden, NC, 28356 — assumable VA mortgage at 3.69%
VA
Active
39
$260,000$8,600 equity gap
Rate
3.69%
7.40%today
Payment
$1,267/mo
$1,908today
  • 3beds
  • 3baths
  • 2,038sqft

9641 Lukes Run Road, Linden

3150 Smoky Ridge Way, Sevierville, TN, 37862 — assumable FHA mortgage at 3.76%
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

3150 Smoky Ridge Way, Sevierville

56 Skipping Pines Court, Spring Lake, NC, 28390 — assumable VA mortgage at 3.85%
VA
Active
38
$330,000$13,839 equity gap
Rate
3.85%
7.40%today
Payment
$1,617/mo
$2,389today
  • 3beds
  • 3baths
  • 2,000sqft

56 Skipping Pines Court, Spring Lake

313 Aaron'S Place, Goldsboro, NC, 27530 — assumable VA mortgage at 3.45%
VA
Active
33
$389,000$50,274 equity gap
Rate
3.45%
7.40%today
Payment
$1,666/mo
$2,585today
  • 4beds
  • 3baths
  • 2,975sqft

313 Aaron'S Place, Goldsboro

108 Cedar Street, Butner, NC, 27509 — assumable FHA mortgage at 3.45%
FHA
Active
28
$347,500$66,598 equity gap
Rate
3.45%
7.40%today
Payment
$1,379/mo
$2,139today
  • 3beds
  • 3baths
  • 1,514sqft

108 Cedar Street, Butner

4430 Cliffdale Road, Fayetteville, NC, 28314 — assumable VA mortgage at 3.45%
VA
Active
26
$220,000$41,387 equity gap
Rate
3.45%
7.40%today
Payment
$878/mo
$1,363today
  • 3beds
  • 2baths
  • 1,345sqft

4430 Cliffdale Road, Fayetteville

7736 Redwood Avenue, Fayetteville, NC, 28314 — assumable VA mortgage at 3.45%
VA
Active
29
$269,999$53,783 equity gap
Rate
3.45%
7.40%today
Payment
$1,063/mo
$1,650today
  • 3beds
  • 2baths
  • 1,653sqft

7736 Redwood Avenue, Fayetteville

138 Falls Creek Drive, Spring Lake, NC, 28390 — assumable VA mortgage at 3.45%
VA
Active
33
$359,900$43,645 equity gap
Rate
3.45%
7.40%today
Payment
$1,552/mo
$2,408today
  • 4beds
  • 4baths
  • 2,407sqft

138 Falls Creek Drive, Spring Lake

15981 Old Orchard Court, Wagram, NC, 28396 — assumable VA mortgage at 1.19%
VA
Active
39
$415,000$113,805 equity gap
Rate
1.19%
7.40%today
Payment
$1,135/mo
$2,379today
  • 4beds
  • 3baths
  • 2,372sqft

15981 Old Orchard Court, Wagram

325 Laws Road, Sanford, NC, 27332 — assumable FHA mortgage at 2.65%
FHA
Active
27
$260,000$59,082 equity gap
Rate
2.65%
7.40%today
Payment
$930/mo
$1,598today
  • 3beds
  • 2baths
  • 1,771sqft

325 Laws Road, Sanford

6258 Stoney Point Loop, Fayetteville, NC, 28306 — assumable VA mortgage at 2.70%
VA
Active
27
$269,999$80,062 equity gap
Rate
2.70%
7.40%today
Payment
$871/mo
$1,487today
  • 4beds
  • 3baths
  • 1,799sqft

6258 Stoney Point Loop, Fayetteville

80 Raven Hill Court, Clayton, NC, 27520 — assumable VA mortgage at 2.71%
VA
Active
32
$350,000$101,760 equity gap
Rate
2.71%
7.40%today
Payment
$1,159/mo
$1,976today
  • 3beds
  • 3baths
  • 2,564sqft

80 Raven Hill Court, Clayton

2916 Deep Channel Court, Fayetteville, NC, 28306 — assumable VA mortgage at 2.78%
VA
Active
47
$480,000$134,672 equity gap
Rate
2.78%
7.40%today
Payment
$1,598/mo
$2,700today
  • 5beds
  • 3baths
  • 2,635sqft

2916 Deep Channel Court, Fayetteville

4270 Home Stretch Drive, Parkton, NC, 28371 — assumable VA mortgage at 2.79%
VA
Active
23
$313,500$90,158 equity gap
Rate
2.79%
7.40%today
Payment
$1,050/mo
$1,771today
  • 5beds
  • 4baths
  • 2,964sqft

4270 Home Stretch Drive, Parkton

55 Needham Lane, Clayton, NC, 27527 — assumable VA mortgage at 2.80%
VA
Active
46
$459,900$120,090 equity gap
Rate
2.80%
7.40%today
Payment
$1,576/mo
$2,656today
  • 3beds
  • 3baths
  • 2,856sqft

55 Needham Lane, Clayton

2506 Woodwind Drive, Fayetteville, NC, 28304 — assumable VA mortgage at 2.80%
VA
Active
50
$265,000$74,168 equity gap
Rate
2.80%
7.40%today
Payment
$881/mo
$1,485today
  • 3beds
  • 3baths
  • 2,019sqft

2506 Woodwind Drive, Fayetteville

Assuming a mortgage in North Carolina

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
1.67%
Lowest existing payment
$493 /mo
Median cash to assume
$84,494
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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