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Assumable homes for sale in Charleston, TN

32 homesFHA & VA loansrates from 2.93% vs 7.18% today

Charleston assumption guide
916 Tri Cir, Cleveland, TN, 37312 — assumable FHA mortgage at 2.94%
FHA
Active
31
$275,000$93,125 equity gap
Rate
2.94%
7.18%today
Payment
$863/mo
$1,397today
  • 3beds
  • 2baths
  • 1,600sqft

916 Tri Cir, Cleveland

117 County Road 25, Riceville, TN, 37370 — assumable VA mortgage at 3.10%
VA
Active
24
$649,000$221,698 equity gap
Rate
3.10%
7.18%today
Payment
$2,035/mo
$3,229today
  • 3beds
  • 3baths
  • 3,245sqft

117 County Road 25, Riceville

643 Bellingham Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 2.93%
FHA
Active
34
$290,500$121,262 equity gap
Rate
2.93%
7.18%today
Payment
$800/mo
$1,297today
  • 2beds
  • 3baths
  • 1,471sqft

643 Bellingham Dr, Cleveland

2620 Middleton Ln, Cleveland, TN, 37312 — assumable FHA mortgage at 3.45%
FHA
Active
61
$419,000$137,724 equity gap
Rate
3.45%
7.18%today
Payment
$1,389/mo
$2,109today
  • 4beds
  • 3baths
  • 1,945sqft

2620 Middleton Ln, Cleveland

250 Royal Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 3.18%
FHA
Active
17
$259,000$130,024 equity gap
Rate
3.18%
7.18%today
Payment
$644/mo
$1,011today
  • 3beds
  • 2baths
  • 1,154sqft

250 Royal Dr, Cleveland

262 Ramsey St, Cleveland, TN, 37312 — assumable FHA mortgage at 5.30%
FHA
Active
25
$279,900$38,600 equity gap
Rate
5.30%
7.18%today
Payment
$1,429/mo
$1,743today
  • 2beds
  • 3baths
  • 1,380sqft

262 Ramsey St, Cleveland

3313 Terrace Ave, Cleveland, TN, 37312 — assumable FHA mortgage at 4.07%
FHA
Active
37
$250,000$204,695 equity gap
Rate
4.07%
7.18%today
Payment
$333/mo
$468today
  • 3beds
  • 2baths
  • 1,445sqft

3313 Terrace Ave, Cleveland

131 Eagle Creek Rd, Cleveland, TN, 37312 — assumable FHA mortgage at 5.00%
FHA
Active
57
$519,900$121,728 equity gap
Rate
5.00%
7.18%today
Payment
$2,297/mo
$2,899today
  • 4beds
  • 3baths
  • 2,495sqft

131 Eagle Creek Rd, Cleveland

1768 Overdale Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 6.15%
FHA
Active
48
$525,000$18,905 equity gap
Rate
6.15%
7.18%today
Payment
$3,105/mo
$3,452today
  • 4beds
  • 3baths
  • 2,543sqft

1768 Overdale Dr, Cleveland

3010 W Lake Drive, Cleveland, TN, 37312 — assumable VA mortgage at 6.23%
VA
Active
26
$255,000$22,438 equity gap
Rate
6.23%
7.18%today
Payment
$1,434/mo
$1,582today
  • 3beds
  • 2baths
  • 1,228sqft

3010 W Lake Drive, Cleveland

338 County Road 756, Riceville, TN, 37370 — assumable VA mortgage at 6.88%
VA
Active
17
$224,900$22,015 equity gap
Rate
6.88%
7.18%today
Payment
$1,370/mo
$1,412today
  • 2beds
  • 1baths
  • 1,025sqft

338 County Road 756, Riceville

1280 Moore Rd, Charleston, TN, 37310 — assumable FHA mortgage at 6.08%
FHA
Active
26
$225,000$31,172 equity gap
Rate
6.08%
7.18%today
Payment
$1,199/mo
$1,344today
  • 2beds
  • 1baths
  • 720sqft

1280 Moore Rd, Charleston

3101 Peerless Rd, Cleveland, TN, 37312 — assumable VA mortgage at 6.26%
VA
Active
35
$375,000$44,448 equity gap
Rate
6.26%
7.18%today
Payment
$2,059/mo
$2,263today
  • 5beds
  • 3baths
  • 1,850sqft

3101 Peerless Rd, Cleveland

246 Bellingham Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 6.32%
FHA
Active
13
$291,000$39,262 equity gap
Rate
6.32%
7.18%today
Payment
$1,629/mo
$1,779today
  • 2beds
  • 3baths
  • 1,628sqft

246 Bellingham Dr, Cleveland

3133 NW Parkstone Cove, Cleveland, TN, 37312 — assumable FHA mortgage at 6.35%
FHA
Active
37
$330,000$47,369 equity gap
Rate
6.35%
7.18%today
Payment
$1,832/mo
$1,995today
  • 2beds
  • 2baths
  • 1,252sqft

3133 NW Parkstone Cove, Cleveland

2548 Freewill Road, Cleveland, TN, 37312 — assumable VA mortgage at 6.47%
VA
Active
44
$315,000$43,517 equity gap
Rate
6.47%
7.18%today
Payment
$1,751/mo
$1,883today
  • 3beds
  • 2baths
  • 1,637sqft

2548 Freewill Road, Cleveland

347 County Road 757, Riceville, TN, 37370 — assumable VA mortgage at 6.63%
VA
Active
28
$189,900$22,832 equity gap
Rate
6.63%
7.18%today
Payment
$1,102/mo
$1,165today
  • 3beds
  • 2baths
  • 1,248sqft

347 County Road 757, Riceville

316 Circle R Drive, Benton, TN, 37307 — assumable FHA mortgage at 6.67%
FHA
Active
40
$344,900$47,016 equity gap
Rate
6.67%
7.18%today
Payment
$1,990/mo
$2,095today
  • 3beds
  • 2baths
  • 1,600sqft

316 Circle R Drive, Benton

370 Morgan Johnston Cir, Cleveland, TN, 37312 — assumable FHA mortgage at 6.71%
FHA
Active
49
$375,000$71,969 equity gap
Rate
6.71%
7.18%today
Payment
$2,030/mo
$2,129today
  • 3beds
  • 2baths
  • 2,161sqft

370 Morgan Johnston Cir, Cleveland

3141 Cottage Grove Cir, Cleveland, TN, 37312 — assumable FHA mortgage at 5.78%
FHA
Active
36
$315,000$70,030 equity gap
Rate
5.78%
7.18%today
Payment
$1,523/mo
$1,763today
  • 3beds
  • 2baths
  • 1,438sqft

3141 Cottage Grove Cir, Cleveland

3440 Dogwood Trail, Cleveland, TN, 37312 — assumable FHA mortgage at 6.17%
FHA
Active
33
$520,000$105,507 equity gap
Rate
6.17%
7.18%today
Payment
$2,556/mo
$2,836today
  • 4beds
  • 3baths
  • 3,886sqft

3440 Dogwood Trail, Cleveland

220 Brian Road, Cleveland, TN, 37312 — assumable FHA mortgage at 6.35%
FHA
Active
41
$695,000$167,210 equity gap
Rate
6.35%
7.18%today
Payment
$3,319/mo
$3,613today
  • 8beds
  • 5baths
  • 4,858sqft

220 Brian Road, Cleveland

2443 Valley Hills Trail, Cleveland, TN, 37311 — assumable FHA mortgage at 6.64%
FHA
Active
24
$420,000$86,176 equity gap
Rate
6.64%
7.18%today
Payment
$2,204/mo
$2,328today
  • 3beds
  • 3baths
  • 2,612sqft

2443 Valley Hills Trail, Cleveland

5120 Lake Circle Drive, Cleveland, TN, 37312 — assumable FHA mortgage at 6.87%
FHA
Active
44
$279,000$68,062 equity gap
Rate
6.87%
7.18%today
Payment
$1,418/mo
$1,463today
  • 3beds
  • 2baths
  • 1,634sqft

5120 Lake Circle Drive, Cleveland

3250 Blueberry Hill Pl, Cleveland, TN, 37312 — assumable FHA mortgage at 7.02%
FHA
Active
36
$444,900$98,321 equity gap
Rate
7.02%
7.18%today
Payment
$2,367/mo
$2,405today
  • 4beds
  • 3baths
  • 2,366sqft

3250 Blueberry Hill Pl, Cleveland

330 Old Tasso Place, Cleveland, TN, 37312 — assumable FHA mortgage at 6.63%
FHA
Active
46
$459,900$151,419 equity gap
Rate
6.63%
7.18%today
Payment
$2,008/mo
$2,123today
  • 3beds
  • 2baths
  • 1,717sqft

330 Old Tasso Place, Cleveland

3609 Bowman Circle, Cleveland, TN, 37312 — assumable FHA mortgage at 6.69%
FHA
Active
34
$345,000$125,571 equity gap
Rate
6.69%
7.18%today
Payment
$1,456/mo
$1,530today
  • 3beds
  • 2baths
  • 1,387sqft

3609 Bowman Circle, Cleveland

139 Apple Valley Ct, Charleston, TN, 37310 — assumable FHA mortgage at 6.49%
FHA
Active
25
$289,900$122,917 equity gap
Rate
6.49%
7.18%today
Payment
$1,079/mo
$1,158today
  • 3beds
  • 2baths
  • 1,358sqft

139 Apple Valley Ct, Charleston

112 County Road 43, Calhoun, TN, 37309 — assumable FHA mortgage at 6.50%
FHA
Active
40
$260,000$208,594 equity gap
Rate
6.50%
7.18%today
Payment
$532/mo
$571today
  • 3beds
  • 2baths
  • 2,240sqft

112 County Road 43, Calhoun

125 Reserve Dr, Georgetown, TN, 37336 — assumable VA mortgage at 6.77%
VA
Active
25
$685,000$275,362 equity gap
Rate
6.77%
7.18%today
Payment
$2,739/mo
$2,855today
  • 3beds
  • 3baths
  • 2,238sqft

125 Reserve Dr, Georgetown

5103 Judd Way, Cleveland, TN, 37312 — assumable VA mortgage at 6.79%
VA
Active
53
$560,000$255,065 equity gap
Rate
6.79%
7.18%today
Payment
$2,039/mo
$2,121today
  • 4beds
  • 3baths
  • 2,610sqft

5103 Judd Way, Cleveland

220 Sam Johnson Road, Georgetown, TN, 37336 — assumable FHA mortgage at 6.99%
FHA
Active
61
$750,000$390,823 equity gap
Rate
6.99%
7.18%today
Payment
$2,473/mo
$2,521today
  • 3beds
  • 2baths
  • 2,408sqft

220 Sam Johnson Road, Georgetown

Assuming a mortgage in Charleston

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.93%
Lowest existing payment
$333/mo
Median cash to assume
$95,723
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Beaston Group

Equal Housing Opportunity

Beaston Group is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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