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Assumable homes for sale in Cleveland, TN

61 homesFHA & VA loansrates from 2.74% vs 7.40% today

Cleveland assumption guide
916 Tri Cir, Cleveland, TN, 37312 — assumable FHA mortgage at 2.94%
FHA
Active
31
$295,000$112,709 equity gap
Rate
2.94%
7.40%today
Payment
$863/mo
$1,428today
  • 3beds
  • 2baths
  • 1,600sqft

916 Tri Cir, Cleveland

165 Savannah Ridge Trl, Cleveland, TN, 37323 — assumable FHA mortgage at 2.74%
FHA
Active
43
$499,900$285,756 equity gap
Rate
2.74%
7.40%today
Payment
$1,001/mo
$1,700today
  • 3beds
  • 2baths
  • 2,340sqft

165 Savannah Ridge Trl, Cleveland

2010 Laurel Springs Dr, Cleveland, TN, 37311 — assumable FHA mortgage at 2.90%
FHA
Active
18
$390,000$251,689 equity gap
Rate
2.90%
7.40%today
Payment
$662/mo
$1,102today
  • 3beds
  • 2baths
  • 2,400sqft

2010 Laurel Springs Dr, Cleveland

643 Bellingham Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 2.93%
FHA
Active
34
$295,500$125,876 equity gap
Rate
2.93%
7.40%today
Payment
$800/mo
$1,326today
  • 2beds
  • 3baths
  • 1,471sqft

643 Bellingham Dr, Cleveland

2211 Horns Creek Rd, Ocoee, TN, 37361 — assumable FHA mortgage at 3.05%
FHA
Active
9
$195,000$113,685 equity gap
Rate
3.05%
7.40%today
Payment
$384/mo
$627today
  • 3beds
  • 2baths
  • 1,792sqft

2211 Horns Creek Rd, Ocoee

159 Dogwood Trail, Cleveland, TN, 37323 — assumable FHA mortgage at 3.10%
FHA
Active
29
$435,000$404,603 equity gap
Rate
3.10%
7.40%today
Payment
$152/mo
$241today
  • 3beds
  • 4baths
  • 3,101sqft

159 Dogwood Trail, Cleveland

2620 Middleton Ln, Cleveland, TN, 37312 — assumable FHA mortgage at 3.45%
FHA
Active
61
$429,000$147,146 equity gap
Rate
3.45%
7.40%today
Payment
$1,389/mo
$2,155today
  • 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$129,723 equity gap
Rate
3.18%
7.40%today
Payment
$644/mo
$1,033today
  • 3beds
  • 2baths
  • 1,154sqft

250 Royal Dr, Cleveland

201 Emmett Ave, Cleveland, TN, 37311 — assumable FHA mortgage at 3.50%
FHA
Active
20
$349,900$241,603 equity gap
Rate
3.50%
7.40%today
Payment
$659/mo
$1,016today
  • 3beds
  • 2baths
  • 1,840sqft

201 Emmett Ave, Cleveland

8123 Mahan Gap Road, Ooltewah, TN, 37363 — assumable FHA mortgage at 3.50%
FHA
Active
83
$1,595,000$1,580,950 equity gap
Rate
3.50%
7.40%today
Payment
$1,779/mo
$2,293today
  • 5beds
  • 4baths
  • 4,000sqft

8123 Mahan Gap Road, Ooltewah

257 Sharon Dr, Cleveland, TN, 37312 — assumable FHA mortgage at 3.54%
FHA
Active
24
$239,900$153,343 equity gap
Rate
3.54%
7.40%today
Payment
$569/mo
$874today
  • 2beds
  • 3baths
  • 1,384sqft

257 Sharon Dr, Cleveland

162 Lower Woods Trail, Cleveland, TN, 37323 — assumable FHA mortgage at 3.60%
FHA
Active
37
$497,000$233,165 equity gap
Rate
3.60%
7.40%today
Payment
$1,388/mo
$2,113today
  • 3beds
  • 3baths
  • 2,348sqft

162 Lower Woods Trail, Cleveland

162 Lower Woods Trail, Cleveland, TN, 37312 — assumable FHA mortgage at 3.60%
FHA
Active
37
$497,000$233,165 equity gap
Rate
3.60%
7.40%today
Payment
$1,388/mo
$2,113today
  • 3beds
  • 3baths
  • 2,182sqft

162 Lower Woods Trail, Cleveland

1301 Harrison Pike, Cleveland, TN, 37311 — assumable FHA mortgage at 4.42%
FHA
Active
41
$279,900$70,961 equity gap
Rate
4.42%
7.40%today
Payment
$1,134/mo
$1,564today
  • 3beds
  • 2baths
  • 1,550sqft

1301 Harrison Pike, Cleveland

218 Mill Creek Trl, Cleveland, TN, 37323 — assumable FHA mortgage at 3.92%
FHA
Active
45
$399,900$226,682 equity gap
Rate
3.92%
7.40%today
Payment
$1,010/mo
$1,479today
  • 3beds
  • 3baths
  • 1,754sqft

218 Mill Creek Trl, Cleveland

1645 Falcon Dr, Cleveland, TN, 37323 — assumable FHA mortgage at 3.95%
FHA
Active
21
$194,000$119,027 equity gap
Rate
3.95%
7.40%today
Payment
$533/mo
$778today
  • 3beds
  • 1baths
  • 1,050sqft

1645 Falcon Dr, Cleveland

1331 Briarwood Pl, Cleveland, TN, 37312 — assumable VA mortgage at 3.97%
VA
Active
63
$379,900$261,856 equity gap
Rate
3.97%
7.40%today
Payment
$725/mo
$1,056today
  • 3beds
  • 3baths
  • 2,460sqft

1331 Briarwood Pl, Cleveland

164 Woodgate Drive, Cleveland, TN, 37323 — assumable FHA mortgage at 4.00%
FHA
Active
23
$269,900$152,826 equity gap
Rate
4.00%
7.40%today
Payment
$655/mo
$950today
  • 3beds
  • 2baths
  • 1,040sqft

164 Woodgate Drive, Cleveland

262 Ramsey St, Cleveland, TN, 37312 — assumable FHA mortgage at 5.30%
FHA
Active
25
$279,900$38,238 equity gap
Rate
5.30%
7.40%today
Payment
$1,429/mo
$1,781today
  • 2beds
  • 3baths
  • 1,380sqft

262 Ramsey St, Cleveland

1080 Wildwood Ave, Cleveland, TN, 37311 — assumable FHA mortgage at 4.03%
FHA
Active
12
$185,000$134,327 equity gap
Rate
4.03%
7.40%today
Payment
$298/mo
$431today
  • 3beds
  • 2baths
  • 980sqft

1080 Wildwood Ave, Cleveland

237 Windermere Lane, Cleveland, TN, 37323 — assumable FHA mortgage at 4.09%
FHA
Active
38
$589,900$396,050 equity gap
Rate
4.09%
7.40%today
Payment
$1,165/mo
$1,672today
  • 3beds
  • 2baths
  • 2,185sqft

237 Windermere Lane, Cleveland

155 Surrey Lane, Cleveland, TN, 37312 — assumable FHA mortgage at 4.99%
FHA
Active
46
$430,000$101,693 equity gap
Rate
4.99%
7.40%today
Payment
$1,895/mo
$2,447today
  • 3beds
  • 2baths
  • 1,951sqft

155 Surrey Lane, Cleveland

3557 Brandon Lane, Cleveland, TN, 37323 — assumable FHA mortgage at 6.34%
FHA
Active
35
$378,000$3,584 equity gap
Rate
6.34%
7.40%today
Payment
$2,350/mo
$2,617today
  • 3beds
  • 3baths
  • 1,776sqft

3557 Brandon Lane, Cleveland

819 Scenic Drive, Cleveland, TN, 37323 — assumable FHA mortgage at 5.75%
FHA
Active
30
$295,000$23,678 equity gap
Rate
5.75%
7.40%today
Payment
$1,599/mo
$1,897today
  • 4beds
  • 2baths
  • 1,612sqft

819 Scenic Drive, Cleveland

9739 Falcon Crest Drive, Ooltewah, TN, 37363 — assumable FHA mortgage at 6.08%
FHA
Active
39
$375,000$22,168 equity gap
Rate
6.08%
7.40%today
Payment
$2,181/mo
$2,497today
  • 3beds
  • 2baths
  • 1,838sqft

9739 Falcon Crest Drive, Ooltewah

920 Durkee Road, Cleveland, TN, 37323 — assumable FHA mortgage at 6.21%
FHA
Active
31
$289,900$21,717 equity gap
Rate
6.21%
7.40%today
Payment
$1,656/mo
$1,870today
  • 3beds
  • 2baths
  • 1,490sqft

920 Durkee Road, Cleveland

3975 Lynncrest Drive, Cleveland, TN, 37323 — assumable FHA mortgage at 6.94%
FHA
Active
30
$255,000$17,276 equity gap
Rate
6.94%
7.40%today
Payment
$1,614/mo
$1,690today
  • 3beds
  • 2baths
  • 1,467sqft

3975 Lynncrest Drive, Cleveland

3010 W Lake Drive, Cleveland, TN, 37312 — assumable VA mortgage at 6.23%
VA
Active
26
$270,000$37,213 equity gap
Rate
6.23%
7.40%today
Payment
$1,434/mo
$1,616today
  • 3beds
  • 2baths
  • 1,228sqft

3010 W Lake Drive, Cleveland

3101 Peerless Rd, Cleveland, TN, 37312 — assumable VA mortgage at 6.26%
VA
Active
35
$405,000$74,115 equity gap
Rate
6.26%
7.40%today
Payment
$2,059/mo
$2,313today
  • 5beds
  • 3baths
  • 1,850sqft

3101 Peerless Rd, Cleveland

242 Thorne Circle, Cleveland, TN, 37323 — assumable FHA mortgage at 6.27%
FHA
Active
34
$339,900$33,968 equity gap
Rate
6.27%
7.40%today
Payment
$1,904/mo
$2,137today
  • 3beds
  • 2baths
  • 1,290sqft

242 Thorne Circle, Cleveland

242 Thorne Cir, Cleveland, TN, 37323 — assumable FHA mortgage at 6.27%
FHA
Active
35
$339,900$33,968 equity gap
Rate
6.27%
7.40%today
Payment
$1,904/mo
$2,137today
  • 3beds
  • 2baths
  • 1,290sqft

242 Thorne Cir, 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%
7.40%today
Payment
$1,629/mo
$1,819today
  • 3beds
  • 3baths
  • 1,628sqft

246 Bellingham Dr, Cleveland

1905 Newman Drive, Cleveland, TN, 37323 — assumable FHA mortgage at 6.33%
FHA
Active
15
$189,900$27,474 equity gap
Rate
6.33%
7.40%today
Payment
$1,055/mo
$1,176today
  • 3beds
  • 1baths
  • 924sqft

1905 Newman Drive, Cleveland

3133 NW Parkstone Cove, Cleveland, TN, 37312 — assumable FHA mortgage at 6.35%
FHA
Active
37
$345,000$62,035 equity gap
Rate
6.35%
7.40%today
Payment
$1,832/mo
$2,039today
  • 2beds
  • 2baths
  • 1,252sqft

3133 NW Parkstone Cove, Cleveland

8027 Cobblestone Drive, Cleveland, TN, 37311 — assumable FHA mortgage at 6.39%
FHA
Active
19
$365,000$65,720 equity gap
Rate
6.39%
7.40%today
Payment
$1,946/mo
$2,156today
  • 3beds
  • 3baths
  • 1,815sqft

8027 Cobblestone Drive, Cleveland

2548 Freewill Road, Cleveland, TN, 37312 — assumable VA mortgage at 6.47%
VA
Active
44
$315,000$43,231 equity gap
Rate
6.47%
7.40%today
Payment
$1,751/mo
$1,924today
  • 3beds
  • 2baths
  • 1,637sqft

2548 Freewill Road, Cleveland

Assuming a mortgage in Cleveland

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 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.74%
Lowest existing payment
$384 /mo
Median cash to assume
$93,648
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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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