VA
Active
59$315,000$40,925 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,298/mo
$2,103today
- 2beds
- 2baths
- 1,540sqft
Stewart, Tennessee
Assumable homes for salein Stewart, Tennessee.
2 homes in Stewart carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.42%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Stewart assumable market
by the numbers.
2active assumable listings
4.42%lowest locked rate
$567kmedian list price
$484saved per month vs. 7.2%
About the market
Assumable mortgagesin Stewart, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Stewart. Updated September 2026.
How assumptions work for buyersStewart, Tennessee has 2 homes for sale with an assumable mortgage as of September 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 Stewart assumable listings start at 4.42% with a median of 5.35%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Stewart lists for $567,450, with a median of $274,483 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 $1,712 a month versus $2,196 for the same balance at today's rate, roughly $484 kept every month and $5,804 a year. The most active Stewart ZIP codes are 37175 (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 Stewart assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Stewart
View all 2 on the map Homes on the marketin Stewart.
VA
Active
58$585,000$241,538 equity gap
- Rate
- 2.78%
7.40%today- Payment
- $1,586/mo
$2,680today
- 3beds
- 3baths
- 2,512sqft
457 Lakeland Dr, Dover
VA
Active
38$399,900$161,920 equity gap
- Rate
- 3.03%
7.40%today- Payment
- $1,164/mo
$1,904today
- 3beds
- 4baths
- 3,060sqft
127 Lena Sykes Rd, Dover
FHA
Active
40$410,000$317,731 equity gap
- Rate
- 3.98%
7.40%today- Payment
- $671/mo
$975today
- 5beds
- 3baths
- 3,258sqft
1649 N Main St, Tennessee Ridge
VA
Active
32$395,000$15,730 equity gap
- Rate
- 6.18%
7.40%today- Payment
- $2,332/mo
$2,641today
- 4beds
- 3baths
- 3,321sqft
408 Sandy Rd, Dover
VA
Active
27$235,000$4,717 equity gap
- Rate
- 6.28%
7.40%today- Payment
- $1,483/mo
$1,662today
- 2beds
- 1baths
- 1,005sqft
2267 Leatherwood Rd, Stewart
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 Stewart.
Live counts from the MLS feeds we index for Tennessee. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.42%
- Median rate
- 5.35%
- Median list price
- $567,450
- Median cash to assume
- $274,483
Stewart listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Stewart listings by loan type
- VA2 homesmedian 5.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Stewart ZIP code.
Each ZIP opens the Stewart map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Stewart numbers
What an assumable ratedoes to a Stewart payment.
The sliders start at the median Stewart assumable listing: $567,450 list price and a 5.35% 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)$270,000
48% 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 Stewart
$1,753/mo
New loan at 7.20%$2,002
Assumed at 5.35%
$1,753
Every month$250
Over five years$14,985
Interest you never pay$174,04026-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 Stewart listing on UMe shows the actual balance, rate, and payment.
How it works in Stewart
How to assumea mortgage in Stewart.
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 Stewart home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Stewart 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 $274,483 in Stewart 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 Stewart payment written in a different decade.
Stewart questions
Assuming a mortgagein Stewart.
The numbers below come from current Stewart inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Stewart?
As of September 2026, UMe tracks 2 active assumable listings in Stewart. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Stewart?
Current Stewart inventory breaks down as VA (2, median 5.35%). 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 Stewart?
The lowest rate on an active Stewart assumable listing is 4.42%, and the median across all 2 listings is 5.35%. 0 listings are 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 Stewart?
Across current Stewart listings, the median principal-and-interest payment on the assumable loan is $1,712 per month versus $2,196 for the same balance at today's rates, a difference of about $484 every month, or $5,804 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 Stewart?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Stewart that gap is currently a median of $274,483 on a median list price of $567,450. 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 Stewart ZIP codes have the most assumable homes?
The Stewart ZIP codes with the most active assumable listings are 37175 (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 Stewart?
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 Stewart.The rate is already on the house.
Every listing on the Stewart map has a rate you can take over. Start with the ones in Stewart, get pre-qualified in minutes, and let UMe carry the assumption to closing.