VA
Active
72$925,000$313,762 equity gap
- Rate
- 2.97%
7.40%today- Payment
- $2,902/mo
$4,784today
- 5beds
- 4baths
- 4,930sqft
Cadiz, Kentucky
Assumable homes for salein Cadiz, Kentucky.
9 homes in Cadiz carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.97%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Cadiz assumable market
by the numbers.
9active assumable listings
2.97%lowest locked rate
$350kmedian list price
$208saved per month vs. 7.2%
About the market
Assumable mortgagesin Cadiz, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Kentucky, filtered to Cadiz. Updated October 2026.
How assumptions work for buyersCadiz, Kentucky has 9 homes for sale with an assumable mortgage as of October 2026: 8 VA loans and 1 FHA loan 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 Cadiz assumable listings start at 2.97% with a median of 4.20%; 4 listings are under 4% and 5 are under 5%.
The median assumable home in Cadiz lists for $349,500, with a median of $134,147 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 $1,596 a month versus $1,803 for the same balance at today's rate, roughly $208 kept every month and $2,491 a year. The most active Cadiz ZIP codes are 42211 (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 Cadiz assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Cadiz
View all 9 on the map Homes on the marketin Cadiz.
VA
Active
58$660,000$280,462 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $1,804/mo
$2,970today
- 3beds
- 3baths
- 3,736sqft
264 Muddy Fork Ln, Cadiz
VA
Active
42$370,000$251,627 equity gap
- Rate
- 3.42%
7.40%today- Payment
- $772/mo
$1,202today
- 3beds
- 3baths
- 2,086sqft
134 Marcal Dr, Cadiz
VA
Active
32$269,900$161,540 equity gap
- Rate
- 3.59%
7.40%today- Payment
- $737/mo
$1,124today
- 3beds
- 2baths
- 1,933sqft
284 Meadowbrook Dr, Cadiz
VA
Active
38$265,000$134,147 equity gap
- Rate
- 4.20%
7.40%today- Payment
- $794/mo
$1,125today
- 3beds
- 2baths
- 1,583sqft
54 Victoria Dr, Cadiz
VA
Active
67$339,099$68,730 equity gap
- Rate
- 5.30%
7.40%today- Payment
- $1,596/mo
$1,990today
- 4beds
- 3baths
- 2,562sqft
99 Dogwood Dr, Cadiz
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 Cadiz.
Live counts from the MLS feeds we index for Kentucky. Updated October 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.97%
- Median rate
- 4.20%
- Median list price
- $349,500
- Median cash to assume
- $134,147
Cadiz listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Cadiz listings by loan type
- VA8 homesmedian 3.90%
- FHA1 homemedian 6.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Cadiz ZIP code.
Each ZIP opens the Cadiz map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Cadiz numbers
What an assumable ratedoes to a Cadiz payment.
The sliders start at the median Cadiz assumable listing: $349,500 list price and a 4.20% 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)$135,000
39% 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 Cadiz
$1,134/mo
New loan at 7.20%$1,459
Assumed at 4.20%
$1,134
Every month$326
Over five years$19,548
Interest you never pay$171,69926-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 Cadiz listing on UMe shows the actual balance, rate, and payment.
How it works in Cadiz
How to assumea mortgage in Cadiz.
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 Cadiz home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Cadiz 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 $134,147 in Cadiz 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 Cadiz payment written in a different decade.
Cadiz questions
Assuming a mortgagein Cadiz.
The numbers below come from current Cadiz inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Cadiz?
As of October 2026, UMe tracks 9 active assumable listings in Cadiz. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Cadiz?
Current Cadiz inventory breaks down as VA (8, median 3.90%) and FHA (1, median 6.58%). 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 Cadiz?
The lowest rate on an active Cadiz assumable listing is 2.97%, and the median across all 9 listings is 4.20%. 4 listings are under 4% and 5 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 Cadiz?
Across current Cadiz listings, the median principal-and-interest payment on the assumable loan is $1,596 per month versus $1,803 for the same balance at today's rates, a difference of about $208 every month, or $2,491 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 Cadiz?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Cadiz that gap is currently a median of $134,147 on a median list price of $349,500. 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 Cadiz ZIP codes have the most assumable homes?
The Cadiz ZIP codes with the most active assumable listings are 42211 (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 Cadiz?
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.
Ready when you are
Stop overpaying for Cadiz.The rate is already on the house.
Every listing on the Cadiz map has a rate you can take over. Start with the ones in Cadiz, get pre-qualified in minutes, and let UMe carry the assumption to closing.