VA
Active
37$460,000$73,690 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $1,828/mo
$3,010today
- 3beds
- 3baths
- 1,904sqft
Hixson, Tennessee
Assumable homes for salein Hixson, Tennessee.
7 homes in Hixson carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hixson assumable market
by the numbers.
7active assumable listings
2.81%lowest locked rate
$394kmedian list price
$174saved per month vs. 7.2%
About the market
Assumable mortgagesin Hixson, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Tennessee, filtered to Hixson. Updated October 2026.
How assumptions work for buyersHixson, Tennessee has 7 homes for sale with an assumable mortgage as of October 2026: 5 FHA loans and 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 Hixson assumable listings start at 2.81% with a median of 6.26%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Hixson lists for $393,900, with a median of $121,460 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 $1,794 a month versus $1,967 for the same balance at today's rate, roughly $174 kept every month and $2,087 a year. The most active Hixson ZIP codes are 37343 (7).
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 Hixson assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hixson
View all 7 on the map Homes on the marketin Hixson.
FHA
Active
49$199,900$73,659 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $612/mo
$1,006today
- 2beds
- 2baths
- 916sqft
1529 Springvale Road, Chattanooga
VA
Active
35$365,000$139,653 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,076/mo
$1,735today
- 3beds
- 2baths
- 1,491sqft
1767 Breeze Drive, Soddy Daisy
FHA
Active
39$410,000$286,079 equity gap
- Rate
- 2.72%
7.40%today- Payment
- $579/mo
$986today
- 4beds
- 2baths
- 1,907sqft
214 Houser Street, Chattanooga
FHA
Active
45$409,900$195,428 equity gap
- Rate
- 2.81%
7.40%today- Payment
- $1,017/mo
$1,712today
- 3beds
- 3baths
- 2,484sqft
7232 Cane Hollow Rd, Hixson
FHA
Active
18$299,000$128,488 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $815/mo
$1,359today
- 3beds
- 2baths
- 1,410sqft
4844 Pawnee Trail, Chattanooga
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 Hixson.
Live counts from the MLS feeds we index for Tennessee. Updated October 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 6.26%
- Median list price
- $393,900
- Median cash to assume
- $121,460
Hixson listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up4 homes
Hixson listings by loan type
- FHA5 homesmedian 3.49%
- VA2 homesmedian 6.38%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hixson ZIP code.
Each ZIP opens the Hixson map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hixson numbers
What an assumable ratedoes to a Hixson payment.
The sliders start at the median Hixson assumable listing: $393,900 list price and a 6.26% 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)$125,000
32% 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 Hixson
$1,753/mo
New loan at 7.20%$1,833
Assumed at 6.25%
$1,753
Every month$80
Over five years$4,792
Interest you never pay$112,88726-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 Hixson listing on UMe shows the actual balance, rate, and payment.
How it works in Hixson
How to assumea mortgage in Hixson.
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 Hixson home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hixson 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 $121,460 in Hixson 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 Hixson payment written in a different decade.
Hixson questions
Assuming a mortgagein Hixson.
The numbers below come from current Hixson inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hixson?
As of October 2026, UMe tracks 7 active assumable listings in Hixson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hixson?
Current Hixson inventory breaks down as FHA (5, median 3.49%) and VA (2, median 6.38%). 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 Hixson?
The lowest rate on an active Hixson assumable listing is 2.81%, and the median across all 7 listings is 6.26%. 3 listings are under 4% and 3 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 Hixson?
Across current Hixson listings, the median principal-and-interest payment on the assumable loan is $1,794 per month versus $1,967 for the same balance at today's rates, a difference of about $174 every month, or $2,087 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 Hixson?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hixson that gap is currently a median of $121,460 on a median list price of $393,900. 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 Hixson ZIP codes have the most assumable homes?
The Hixson ZIP codes with the most active assumable listings are 37343 (7). 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 Hixson?
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 Hixson.The rate is already on the house.
Every listing on the Hixson map has a rate you can take over. Start with the ones in Hixson, get pre-qualified in minutes, and let UMe carry the assumption to closing.