VA
Active
59$415,000$198,702 equity gap
- Rate
- 2.73%
7.40%today- Payment
- $1,007/mo
$1,713today
- 3beds
- 2baths
- 2,322sqft
Kelso, Tennessee
Assumable homes for salein Kelso, Tennessee.
1 home in Kelso carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.98%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kelso assumable market
by the numbers.
1active assumable listing
2.98%lowest locked rate
$299kmedian list price
$406saved per month vs. 7.2%
About the market
Assumable mortgagesin Kelso, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Kelso. Updated August 2026.
How assumptions work for buyersKelso, Tennessee has 1 home for sale with an assumable mortgage as of August 2026: 1 VA 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 Kelso assumable listings start at 2.98% with a median of 2.98%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Kelso lists for $298,900, with a median of $173,558 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 $610 a month versus $1,016 for the same balance at today's rate, roughly $406 kept every month and $4,873 a year. The most active Kelso ZIP codes are 37348 (1).
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 Kelso assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kelso
View all 1 on the map Homes on the marketin Kelso.
VA
Active
36$298,900$173,558 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $610/mo
$1,004today
- 3beds
- 2baths
- 1,737sqft
2175 Winchester Hwy, Kelso
FHA
Active
70$995,000$712,887 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,387/mo
$2,153today
- —beds
- —baths
- 12,648sqft
51 N Vanntown School Rd, Flintville
FHA
Active
70$605,000$322,887 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,387/mo
$2,153today
- —beds
- —baths
- 12,648sqft
51 N Vanntown School Rd, Flintville
FHA
Active
46$605,000$322,887 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,387/mo
$2,153today
- —beds
- —baths
- 12,648sqft
51 N Vanntown School Rd, Flintville
FHA
Active
42$250,000$188,769 equity gap
- Rate
- 3.92%
7.40%today- Payment
- $436/mo
$639today
- 3beds
- 2baths
- 1,231sqft
248 Jacey Ln, Lynchburg
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 Kelso.
Live counts from the MLS feeds we index for Tennessee. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.98%
- Median rate
- 2.98%
- Median list price
- $298,900
- Median cash to assume
- $173,558
Kelso listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Kelso listings by loan type
- VA1 homemedian 2.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kelso ZIP code.
Each ZIP opens the Kelso map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Kelso numbers
What an assumable ratedoes to a Kelso payment.
The sliders start at the median Kelso assumable listing: $298,900 list price and a 2.98% 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)$175,000
58% 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 Kelso
$577/mo
New loan at 7.20%$848
Assumed at 3.00%
$577
Every month$271
Over five years$16,261
Interest you never pay$125,28226-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 Kelso listing on UMe shows the actual balance, rate, and payment.
How it works in Kelso
How to assumea mortgage in Kelso.
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 Kelso home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kelso 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 $173,558 in Kelso 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 Kelso payment written in a different decade.
Kelso questions
Assuming a mortgagein Kelso.
The numbers below come from current Kelso inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kelso?
As of August 2026, UMe tracks 1 active assumable listing in Kelso. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Kelso?
Current Kelso inventory breaks down as VA (1, median 2.98%). 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 Kelso?
The lowest rate on an active Kelso assumable listing is 2.98%, and the median across all 1 listing is 2.98%. 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 Kelso?
Across current Kelso listings, the median principal-and-interest payment on the assumable loan is $610 per month versus $1,016 for the same balance at today's rates, a difference of about $406 every month, or $4,873 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 Kelso?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kelso that gap is currently a median of $173,558 on a median list price of $298,900. 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 Kelso ZIP codes have the most assumable homes?
The Kelso ZIP codes with the most active assumable listings are 37348 (1). 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 Kelso?
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 Kelso.The rate is already on the house.
Every listing on the Kelso map has a rate you can take over. Start with the ones in Kelso, get pre-qualified in minutes, and let UMe carry the assumption to closing.