FHA
Active
42$129,000$42,368 equity gap
- Rate
- 2.46%
7.40%today- Payment
- $383/mo
$675today
- 2beds
- 2baths
- 840sqft
Evensville, Tennessee
Assumable homes for salein Evensville, Tennessee.
5 homes in Evensville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.59%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Evensville assumable market
by the numbers.
5active assumable listings
3.59%lowest locked rate
$320kmedian list price
$183saved per month vs. 7.2%
About the market
Assumable mortgagesin Evensville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Evensville. Updated October 2026.
How assumptions work for buyersEvensville, Tennessee has 5 homes for sale with an assumable mortgage as of October 2026: 3 VA loans and 2 FHA 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 Evensville assumable listings start at 3.59% with a median of 6.50%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Evensville lists for $320,000, with a median of $46,193 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 $1,468 a month versus $1,650 for the same balance at today's rate, roughly $183 kept every month and $2,190 a year. The most active Evensville ZIP codes are 37332 (5).
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 Evensville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Evensville
View all 5 on the map Homes on the marketin Evensville.
VA
Active
76$748,000$432,069 equity gap
- Rate
- 2.68%
7.40%today- Payment
- $1,467/mo
$2,511today
- 5beds
- 5baths
- 3,671sqft
820 Payne Ln, Spring City
FHA
Active
39$409,900$271,798 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $646/mo
$1,078today
- 3beds
- 1baths
- 1,325sqft
571 Goodfield Road, Decatur
FHA
Active
41$329,000$148,474 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $845/mo
$1,409today
- 3beds
- 2baths
- 1,632sqft
123 Pine Ridge Dr, Dayton
FHA
Active
56$435,000$330,414 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $569/mo
$885today
- 4beds
- 2baths
- 1,832sqft
263 Scenic Hill Drive, Spring City
VA
Active
49$369,000$200,550 equity gap
- Rate
- 3.56%
7.40%today- Payment
- $891/mo
$1,363today
- 4beds
- 3baths
- 2,441sqft
171 Matthew Ln, Dayton
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 Evensville.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.59%
- Median rate
- 6.50%
- Median list price
- $320,000
- Median cash to assume
- $46,193
Evensville listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up3 homes
Evensville listings by loan type
- VA3 homesmedian 6.50%
- FHA2 homesmedian 6.17%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Evensville ZIP code.
Each ZIP opens the Evensville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Evensville numbers
What an assumable ratedoes to an Evensville payment.
The sliders start at the median Evensville assumable listing: $320,000 list price and a 6.50% 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)$45,000
14% 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 Evensville
$1,829/mo
New loan at 7.20%$1,867
Assumed at 6.50%
$1,829
Every month$38
Over five years$2,289
Interest you never pay$101,50126-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 Evensville listing on UMe shows the actual balance, rate, and payment.
How it works in Evensville
How to assumea mortgage in Evensville.
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 an Evensville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Evensville 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 $46,193 in Evensville 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 an Evensville payment written in a different decade.
Evensville questions
Assuming a mortgagein Evensville.
The numbers below come from current Evensville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Evensville?
As of October 2026, UMe tracks 5 active assumable listings in Evensville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Evensville?
Current Evensville inventory breaks down as VA (3, median 6.50%) and FHA (2, median 6.17%). 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 Evensville?
The lowest rate on an active Evensville assumable listing is 3.59%, and the median across all 5 listings is 6.50%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Evensville?
Across current Evensville listings, the median principal-and-interest payment on the assumable loan is $1,468 per month versus $1,650 for the same balance at today's rates, a difference of about $183 every month, or $2,190 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 Evensville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Evensville that gap is currently a median of $46,193 on a median list price of $320,000. 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 Evensville ZIP codes have the most assumable homes?
The Evensville ZIP codes with the most active assumable listings are 37332 (5). 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 Evensville?
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.
Nearby markets
All of Tennessee More assumable homesin Tennessee.
Ready when you are
Stop overpaying for Evensville.The rate is already on the house.
Every listing on the Evensville map has a rate you can take over. Start with the ones in Evensville, get pre-qualified in minutes, and let UMe carry the assumption to closing.