VA
Active
25$1,200,000$866,158 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,653/mo
$2,680today
- 4beds
- 4baths
- 4,774sqft
Guild, Tennessee
Assumable homes for salein Guild, Tennessee.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Guild.
Live MLS data · Updated
Guild assumable market
by the numbers.
6active assumable listings
4.71%average locked rate
$566ktypical list price
$723saved per month vs. 7.2%
About the market
Assumable mortgagesin Guild, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Guild. Updated October 2026.
How assumptions work for buyersAs of October 2026, UMe has no verified assumable listings in Guild. That changes quickly: assumable homes come on the market every week across Tennessee as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Guild search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Guild
Homes on the marketin Guild.
FHA
Active
58$399,000$181,547 equity gap
- Rate
- 3.64%
7.40%today- Payment
- $1,148/mo
$1,740today
- 3beds
- 2baths
- 1,862sqft
309 Renaissance Court, Chattanooga
FHA
Active
69$850,000$683,774 equity gap
- Rate
- 3.70%
7.40%today- Payment
- $915/mo
$1,363today
- 4beds
- 4baths
- 4,987sqft
310 Bluffs Rd, South Pittsburg
VA
Active
60$289,900$71,084 equity gap
- Rate
- 5.00%
7.40%today- Payment
- $1,261/mo
$1,626today
- 3beds
- 2baths
- 1,309sqft
100 Anderson Ridge Road, Jasper
FHA
Active
32$236,900$13,610 equity gap
- Rate
- 6.72%
7.40%today- Payment
- $1,468/mo
$1,572today
- 3beds
- 2baths
- 1,204sqft
70 Pinoak Road, Trenton
VA
Active
55$420,000$51,535 equity gap
- Rate
- 6.08%
7.40%today- Payment
- $2,280/mo
$2,611today
- 3beds
- 2baths
- 1,550sqft
720 Turner Road, Whitwell
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.
Run the Guild numbers
What an assumable ratedoes to a Guild payment.
The sliders start at the median Guild assumable listing: $565,967 list price and a 4.71% 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)$110,000
19% 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 Guild
$2,529/mo
New loan at 7.20%$3,088
Assumed at 4.70%
$2,529
Every month$559
Over five years$33,568
Interest you never pay$322,80326-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 Guild listing on UMe shows the actual balance, rate, and payment.
How it works in Guild
How to assumea mortgage in Guild.
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 Guild home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Guild 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. 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 Guild payment written in a different decade.
Guild questions
Assuming a mortgagein Guild.
The numbers below come from current Guild inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Guild?
As of October 2026, there are no verified assumable listings in Guild. New assumable homes appear every week across Tennessee; save a search on the map and we will email you when one lands in Guild.
What types of loans can be assumed in Guild?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Tennessee. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Guild?
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 Guild.The rate is already on the house.
Every listing on the Guild map has a rate you can take over. Start with the ones in Guild, get pre-qualified in minutes, and let UMe carry the assumption to closing.