VA
Active
66$439,900$77,361 equity gap
- Rate
- 3.56%
7.40%today- Payment
- $1,804/mo
$2,762today
- 3beds
- 3baths
- 2,940sqft
Virginia · Statewide
Assumable homes for salein Virginia.
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 Virginia.
Live MLS data · Updated
Virginia assumable market
by the numbers.
6active assumable listings
4.38%average locked rate
$312ktypical list price
$447saved per month vs. 7.2%
Across Virginia
Assumable homesby Virginia city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Virginia on the mapAlso covered in Virginia, no verified assumable listings today:
About the market
Assumable mortgagesin Virginia, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Virginia. Updated October 2026.
How assumptions work for buyersAs of October 2026, UMe has no verified assumable listings in Virginia. That changes quickly: assumable homes come on the market every week across Virginia as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Virginia 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 across Virginia
Homes on the marketacross Virginia.
FHA
Active
18$324,000$82,082 equity gap
- Rate
- 3.69%
7.40%today- Payment
- $1,219/mo
$1,836today
- 4beds
- 2baths
- 1,632sqft
1617 Rocky Hollow Rd, Jonesborough
FHA
Active
37$399,900$174,368 equity gap
- Rate
- 3.56%
7.40%today- Payment
- $1,125/mo
$1,721today
- 3beds
- 3baths
- 2,138sqft
536 Elmer Walker Road, Jonesborough
FHA
Active
31$259,000$174,291 equity gap
- Rate
- 3.89%
7.40%today- Payment
- $494/mo
$726today
- 3beds
- 2baths
- 1,766sqft
752 Warford, Newport
FHA
Active
31$189,900$17,389 equity gap
- Rate
- 6.93%
7.40%today- Payment
- $1,158/mo
$1,214today
- 3beds
- 2baths
- 1,420sqft
229 Aesque Street, Kingsport
FHA
Active
14$257,000$149,917 equity gap
- Rate
- 4.64%
7.40%today- Payment
- $640/mo
$860today
- 4beds
- 3baths
- 2,386sqft
1001 Stanbery Cir, Greeneville
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 Virginia numbers
What an assumable ratedoes to a Virginia payment.
The sliders start at the median Virginia assumable listing: $311,617 list price and a 4.38% 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)$60,000
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 Virginia
$1,346/mo
New loan at 7.20%$1,697
Assumed at 4.40%
$1,346
Every month$350
Over five years$21,030
Interest you never pay$190,81026-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 Virginia listing on UMe shows the actual balance, rate, and payment.
How it works in Virginia
How to assumea mortgage in Virginia.
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 Virginia home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Virginia 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 Virginia payment written in a different decade.
Virginia questions
Assuming a mortgagein Virginia.
The numbers below come from current Virginia inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Virginia?
As of October 2026, there are no verified assumable listings in Virginia. New assumable homes appear every week across Virginia; save a search on the map and we will email you when one lands in Virginia.
What types of loans can be assumed in Virginia?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Virginia. 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 Virginia?
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 Virginia.The rate is already on the house.
Every listing on the Virginia map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.