FHA
Active
48$525,000$394,687 equity gap
- Rate
- 2.72%
7.40%today- Payment
- $716/mo
$1,141today
- 4beds
- 4baths
- 3,735sqft
Whitwell, Tennessee
Assumable homes for salein Whitwell, Tennessee.
2 homes in Whitwell carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.08%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Whitwell assumable market
by the numbers.
2active assumable listings
6.08%lowest locked rate
$285kmedian list price
$203saved per month vs. 7.2%
About the market
Assumable mortgagesin Whitwell, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Whitwell. Updated October 2026.
How assumptions work for buyersWhitwell, Tennessee has 2 homes for sale with an assumable mortgage as of October 2026: 1 FHA loan and 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 Whitwell assumable listings start at 6.08% with a median of 6.52%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Whitwell lists for $285,000, with a median of $44,063 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 $1,530 a month versus $1,733 for the same balance at today's rate, roughly $203 kept every month and $2,438 a year. The most active Whitwell ZIP codes are 37397 (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 Whitwell assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Whitwell
View all 2 on the map Homes on the marketin Whitwell.
VA
Active
59$611,200$320,290 equity gap
- Rate
- 3.60%
7.40%today- Payment
- $1,530/mo
$2,330today
- 2beds
- 3baths
- 4,520sqft
257 Scenic Hollow Drive, Dunlap
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
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
FHA
Active
28$150,000$36,059 equity gap
- Rate
- 6.96%
7.40%today- Payment
- $781/mo
$816today
- 2beds
- 1baths
- 1,521sqft
6870 Highway 108, Whitwell
FHA
Active
36$300,000$101,262 equity gap
- Rate
- 7.25%
7.40%today- Payment
- $1,407/mo
$1,428today
- 4beds
- 2baths
- 2,195sqft
673 Highway 150, Jasper
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 Whitwell.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 6.08%
- Median rate
- 6.52%
- Median list price
- $285,000
- Median cash to assume
- $44,063
Whitwell listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Whitwell listings by loan type
- FHA1 homemedian 6.96%
- VA1 homemedian 6.08%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Whitwell ZIP code.
Each ZIP opens the Whitwell map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Whitwell numbers
What an assumable ratedoes to a Whitwell payment.
The sliders start at the median Whitwell assumable listing: $285,000 list price and a 6.52% 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)$45,000
16% 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 Whitwell
$1,596/mo
New loan at 7.20%$1,629
Assumed at 6.50%
$1,596
Every month$33
Over five years$1,997
Interest you never pay$88,58326-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 Whitwell listing on UMe shows the actual balance, rate, and payment.
How it works in Whitwell
How to assumea mortgage in Whitwell.
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 Whitwell home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Whitwell 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 $44,063 in Whitwell 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 Whitwell payment written in a different decade.
Whitwell questions
Assuming a mortgagein Whitwell.
The numbers below come from current Whitwell inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Whitwell?
As of October 2026, UMe tracks 2 active assumable listings in Whitwell. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Whitwell?
Current Whitwell inventory breaks down as FHA (1, median 6.96%) and VA (1, median 6.08%). 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 Whitwell?
The lowest rate on an active Whitwell assumable listing is 6.08%, and the median across all 2 listings is 6.52%. 0 listings are under 4% and 0 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 Whitwell?
Across current Whitwell listings, the median principal-and-interest payment on the assumable loan is $1,530 per month versus $1,733 for the same balance at today's rates, a difference of about $203 every month, or $2,438 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 Whitwell?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Whitwell that gap is currently a median of $44,063 on a median list price of $285,000. 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 Whitwell ZIP codes have the most assumable homes?
The Whitwell ZIP codes with the most active assumable listings are 37397 (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 Whitwell?
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 Whitwell.The rate is already on the house.
Every listing on the Whitwell map has a rate you can take over. Start with the ones in Whitwell, get pre-qualified in minutes, and let UMe carry the assumption to closing.