VA
Active
24$300,000$62,056 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $1,111/mo
$1,858today
- 4beds
- 4baths
- 2,774sqft
Crofton, Kentucky
Assumable homes for salein Crofton, Kentucky.
2 homes in Crofton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.22%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Crofton assumable market
by the numbers.
2active assumable listings
5.22%lowest locked rate
$258kmedian list price
$234saved per month vs. 7.2%
About the market
Assumable mortgagesin Crofton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Kentucky, filtered to Crofton. Updated October 2026.
How assumptions work for buyersCrofton, Kentucky has 2 homes for sale with an assumable mortgage as of October 2026: 2 VA 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 Crofton assumable listings start at 5.22% with a median of 5.84%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Crofton lists for $257,500, with a median of $38,725 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 $1,361 a month versus $1,595 for the same balance at today's rate, roughly $234 kept every month and $2,808 a year. The most active Crofton ZIP codes are 42217 (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 Crofton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Crofton
View all 2 on the map Homes on the marketin Crofton.
VA
Active
45$299,000$75,838 equity gap
- Rate
- 3.69%
7.40%today- Payment
- $1,129/mo
$1,700today
- 3beds
- 2baths
- 1,957sqft
3805 Cadiz Rd, Hopkinsville
VA
Active
43$294,000$195,325 equity gap
- Rate
- 3.52%
7.40%today- Payment
- $650/mo
$1,000today
- 3beds
- 2baths
- 1,550sqft
1810 Valley View Dr, Hopkinsville
VA
Active
41$205,000$33,922 equity gap
- Rate
- 5.22%
7.40%today- Payment
- $1,002/mo
$1,260today
- 3beds
- 2baths
- 2,100sqft
137 Dripping Springs St, Crofton
VA
Active
54$234,000$20,240 equity gap
- Rate
- 7.76%
7.40%today- Payment
- $1,575/mo
$1,521today
- 3beds
- 2baths
- 1,592sqft
701 Pineridge Dr, Hopkinsville
FHA
Active
33$359,900$66,692 equity gap
- Rate
- 6.12%
7.40%today- Payment
- $1,820/mo
$2,075today
- 5beds
- 3baths
- 2,850sqft
923 Adams Ave, Hopkinsville
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 Crofton.
Live counts from the MLS feeds we index for Kentucky. Updated October 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 5.22%
- Median rate
- 5.84%
- Median list price
- $257,500
- Median cash to assume
- $38,725
Crofton listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Crofton listings by loan type
- VA2 homesmedian 5.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Crofton ZIP code.
Each ZIP opens the Crofton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Crofton numbers
What an assumable ratedoes to a Crofton payment.
The sliders start at the median Crofton assumable listing: $257,500 list price and a 5.84% 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)$40,000
15% 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 Crofton
$1,374/mo
New loan at 7.20%$1,493
Assumed at 5.85%
$1,374
Every month$120
Over five years$7,174
Interest you never pay$108,98426-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 Crofton listing on UMe shows the actual balance, rate, and payment.
How it works in Crofton
How to assumea mortgage in Crofton.
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 Crofton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Crofton 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 $38,725 in Crofton 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 Crofton payment written in a different decade.
Crofton questions
Assuming a mortgagein Crofton.
The numbers below come from current Crofton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Crofton?
As of October 2026, UMe tracks 2 active assumable listings in Crofton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Crofton?
Current Crofton inventory breaks down as VA (2, median 5.84%). 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 Crofton?
The lowest rate on an active Crofton assumable listing is 5.22%, and the median across all 2 listings is 5.84%. 0 listings are under 4% and 0 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 Crofton?
Across current Crofton listings, the median principal-and-interest payment on the assumable loan is $1,361 per month versus $1,595 for the same balance at today's rates, a difference of about $234 every month, or $2,808 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 Crofton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Crofton that gap is currently a median of $38,725 on a median list price of $257,500. 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 Crofton ZIP codes have the most assumable homes?
The Crofton ZIP codes with the most active assumable listings are 42217 (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 Crofton?
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 Crofton.The rate is already on the house.
Every listing on the Crofton map has a rate you can take over. Start with the ones in Crofton, get pre-qualified in minutes, and let UMe carry the assumption to closing.