Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in Stem, NC

12 homesFHA & VA loansrates from 3.11% vs 7.40% today

Stem assumption guide
5106 Misty Lane, Oxford, NC, 27565 — assumable FHA mortgage at 3.11%
FHA
Active
33
$345,000$95,096 equity gap
Rate
3.11%
7.40%today
Payment
$1,184/mo
$1,917today
  • 3beds
  • 3baths
  • 2,648sqft

5106 Misty Lane, Oxford

2656 Bowden Drive, Creedmoor, NC, 27522 — assumable VA mortgage at 3.18%
VA
Active
26
$319,900$130,202 equity gap
Rate
3.18%
7.40%today
Payment
$945/mo
$1,516today
  • 3beds
  • 2baths
  • 1,517sqft

2656 Bowden Drive, Creedmoor

2741 Dillon Court, Creedmoor, NC, 27522 — assumable VA mortgage at 3.25%
VA
Active
50
$329,900$198,227 equity gap
Rate
3.25%
7.40%today
Payment
$745/mo
$1,185today
  • 3beds
  • 2baths
  • 1,512sqft

2741 Dillon Court, Creedmoor

5803 Whispering Meadow Lane, Durham, NC, 27712 — assumable FHA mortgage at 3.56%
FHA
Active
36
$399,000$293,050 equity gap
Rate
3.56%
7.40%today
Payment
$722/mo
$1,105today
  • 3beds
  • 3baths
  • 2,211sqft

5803 Whispering Meadow Lane, Durham

2060 Ferbow Street, Creedmoor, NC, 27522 — assumable FHA mortgage at 3.92%
FHA
Active
22
$292,000$209,338 equity gap
Rate
3.92%
7.40%today
Payment
$589/mo
$863today
  • 3beds
  • 2baths
  • 1,273sqft

2060 Ferbow Street, Creedmoor

2141 Sterling Creek Lane, Franklinton, NC, 27525 — assumable FHA mortgage at 3.95%
FHA
Active
19
$275,000$218,664 equity gap
Rate
3.95%
7.40%today
Payment
$405/mo
$592today
  • 3beds
  • 2baths
  • 1,112sqft

2141 Sterling Creek Lane, Franklinton

104 Averly Court, Stem, NC, 27581 — assumable FHA mortgage at 6.17%
FHA
Active
$339,000$12,791 equity gap
Rate
6.17%
7.40%today
Payment
$2,007/mo
$2,276today
  • 3beds
  • 2baths
  • 1,497sqft

104 Averly Court, Stem

3824 Watermark Drive, Franklinton, NC, 27525 — assumable VA mortgage at 4.37%
VA
Active
66
$674,900$373,796 equity gap
Rate
4.37%
7.40%today
Payment
$1,750/mo
$2,428today
  • 4beds
  • 4baths
  • 3,306sqft

3824 Watermark Drive, Franklinton

108 Anaheim Street, Oxford, NC, 27565 — assumable FHA mortgage at 6.87%
FHA
Active
41
$319,300$27,450 equity gap
Rate
6.87%
7.40%today
Payment
$1,966/mo
$2,074today
  • 3beds
  • 2baths
  • 1,328sqft

108 Anaheim Street, Oxford

2660 Bowden Drive, Creedmoor, NC, 27522 — assumable FHA mortgage at 6.81%
FHA
Active
37
$315,000$49,547 equity gap
Rate
6.81%
7.40%today
Payment
$1,756/mo
$1,863today
  • 3beds
  • 2baths
  • 1,567sqft

2660 Bowden Drive, Creedmoor

1986 Sugar Hill Drive, Creedmoor, NC, 27522 — assumable FHA mortgage at 7.31%
FHA
Active
21
$372,000$68,130 equity gap
Rate
7.31%
7.40%today
Payment
$2,307/mo
$2,325today
  • 3beds
  • 2baths
  • 1,835sqft

1986 Sugar Hill Drive, Creedmoor

106 Long Green Way, Oxford, NC, 27565 — assumable FHA mortgage at 6.81%
FHA
Active
23
$316,000$71,513 equity gap
Rate
6.81%
7.40%today
Payment
$3,537/mo
$3,631today
  • 3beds
  • 3baths
  • 1,679sqft

106 Long Green Way, Oxford

Assuming a mortgage in Stem

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
3.11%
Lowest existing payment
$405 /mo
Median cash to assume
$112,649
Chris Prendergast

Chris Prendergast

20 Degrees North

chris@20degreesn.com+1808388555520 Degrees North logo
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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