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
Hopkinsville, Kentucky
Assumable homes for salein Hopkinsville, Kentucky.
41 homes in Hopkinsville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.86%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hopkinsville assumable market
by the numbers.
41active assumable listings
2.86%lowest locked rate
$269kmedian list price
$242saved per month vs. 7.2%
About the market
Assumable mortgagesin Hopkinsville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Kentucky, filtered to Hopkinsville. Updated October 2026.
How assumptions work for buyersHopkinsville, Kentucky has 41 homes for sale with an assumable mortgage as of October 2026: 28 VA loans and 13 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 Hopkinsville assumable listings start at 2.86% with a median of 6.09%; 10 listings are under 4% and 12 are under 5%.
The median assumable home in Hopkinsville lists for $269,000, with a median of $72,755 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 $1,159 a month versus $1,401 for the same balance at today's rate, roughly $242 kept every month and $2,903 a year. The most active Hopkinsville ZIP codes are 42240 (41).
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 Hopkinsville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hopkinsville
View all 41 on the map Homes on the marketin Hopkinsville.
VA
Active
14$315,000$78,787 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,126/mo
$1,824today
- 4beds
- 4baths
- 2,183sqft
717 Claw Ct, Hopkinsville
FHA
Active
65$449,900$151,256 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,415/mo
$2,291today
- 3beds
- 3baths
- 1,912sqft
6730 Pierce Ln, Hopkinsville
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
29$225,000$140,276 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $399/mo
$657today
- 3beds
- 2baths
- 1,450sqft
314 Kauai King Dr, Hopkinsville
FHA
Active
38$285,000$146,034 equity gap
- Rate
- 3.15%
7.40%today- Payment
- $690/mo
$1,112today
- 4beds
- 3baths
- 1,850sqft
119 Carriage Way, 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 Hopkinsville.
Live counts from the MLS feeds we index for Kentucky. Updated October 2026.
- Active listings
- 41
- UMe Certified / verified
- 0
- Lowest rate
- 2.86%
- Median rate
- 6.09%
- Median list price
- $269,000
- Median cash to assume
- $72,755
Hopkinsville listings by locked rate
- Under 4%10 homes
- 4% – 5%2 homes
- 5% – 6%6 homes
- 6% and up23 homes
Hopkinsville listings by loan type
- VA28 homesmedian 6.41%
- FHA13 homesmedian 5.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hopkinsville ZIP code.
Each ZIP opens the Hopkinsville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hopkinsville numbers
What an assumable ratedoes to a Hopkinsville payment.
The sliders start at the median Hopkinsville assumable listing: $269,000 list price and a 6.09% 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)$75,000
28% 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 Hopkinsville
$1,248/mo
New loan at 7.20%$1,324
Assumed at 6.10%
$1,248
Every month$76
Over five years$4,553
Interest you never pay$87,21326-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 Hopkinsville listing on UMe shows the actual balance, rate, and payment.
How it works in Hopkinsville
How to assumea mortgage in Hopkinsville.
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 Hopkinsville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hopkinsville 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 $72,755 in Hopkinsville 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 Hopkinsville payment written in a different decade.
Hopkinsville questions
Assuming a mortgagein Hopkinsville.
The numbers below come from current Hopkinsville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hopkinsville?
As of October 2026, UMe tracks 41 active assumable listings in Hopkinsville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hopkinsville?
Current Hopkinsville inventory breaks down as VA (28, median 6.41%) and FHA (13, median 5.30%). 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 Hopkinsville?
The lowest rate on an active Hopkinsville assumable listing is 2.86%, and the median across all 41 listings is 6.09%. 10 listings are under 4% and 12 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 Hopkinsville?
Across current Hopkinsville listings, the median principal-and-interest payment on the assumable loan is $1,159 per month versus $1,401 for the same balance at today's rates, a difference of about $242 every month, or $2,903 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 Hopkinsville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hopkinsville that gap is currently a median of $72,755 on a median list price of $269,000. 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 Hopkinsville ZIP codes have the most assumable homes?
The Hopkinsville ZIP codes with the most active assumable listings are 42240 (41). 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 Hopkinsville?
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 Hopkinsville.The rate is already on the house.
Every listing on the Hopkinsville map has a rate you can take over. Start with the ones in Hopkinsville, get pre-qualified in minutes, and let UMe carry the assumption to closing.