FHA
Active
37$365,000$308,172 equity gap
- Rate
- 2.20%
7.32%today- Payment
- $580/mo
$799today
- 3beds
- 3baths
- 2,520sqft
Tunnel Hill, Georgia
Assumable homes for salein Tunnel Hill, Georgia.
2 homes in Tunnel Hill carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.46%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Tunnel Hill assumable market
by the numbers.
2active assumable listings
4.46%lowest locked rate
$330kmedian list price
$229saved per month vs. 7.2%
About the market
Assumable mortgagesin Tunnel Hill, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Georgia, filtered to Tunnel Hill. Updated October 2026.
How assumptions work for buyersTunnel Hill, Georgia 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 Tunnel Hill assumable listings start at 4.46% with a median of 5.71%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Tunnel Hill lists for $329,950, with a median of $131,815 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 $1,305 a month versus $1,534 for the same balance at today's rate, roughly $229 kept every month and $2,750 a year. The most active Tunnel Hill ZIP codes are 30755 (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 Tunnel Hill assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tunnel Hill
View all 2 on the map Homes on the marketin Tunnel Hill.
FHA
Active
56$358,000Potential short sale
- Rate
- 3.35%
7.32%today- Payment
- $2,558/mo
$3,987today
- 4beds
- 3baths
- 2,138sqft
54 Carrigan Circle, Ringgold
FHA
Active
50$312,500$20,149 equity gap
- Rate
- 5.27%
7.32%today- Payment
- $1,731/mo
$2,148today
- 3beds
- 2baths
- 2,422sqft
269 Sutton Drive, Ringgold
FHA
Active
28$275,000$190,853 equity gap
- Rate
- 3.92%
7.32%today- Payment
- $539/mo
$782today
- 7beds
- 4baths
- 3,136sqft
4881 Cleveland Highway, Cohutta
VA
Active
61$745,000$472,754 equity gap
- Rate
- 3.93%
7.32%today- Payment
- $2,469/mo
$3,258today
- 5beds
- 5baths
- 4,071sqft
9676 Pecan Springs Circle, Chattanooga
VA
Active
60$649,000Potential short sale
- Rate
- 6.58%
7.32%today- Payment
- $4,324/mo
$4,660today
- 4beds
- 3baths
- 3,804sqft
9449 Lazy Circles Drive, Ooltewah
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 Tunnel Hill.
Live counts from the MLS feeds we index for Georgia. Updated October 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.46%
- Median rate
- 5.71%
- Median list price
- $329,950
- Median cash to assume
- $131,815
Tunnel Hill listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Tunnel Hill listings by loan type
- FHA1 homemedian 4.46%
- VA1 homemedian 6.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tunnel Hill ZIP code.
Each ZIP opens the Tunnel Hill map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Tunnel Hill numbers
What an assumable ratedoes to a Tunnel Hill payment.
The sliders start at the median Tunnel Hill assumable listing: $329,950 list price and a 5.71% 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)$130,000
39% 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 Tunnel Hill
$1,231/mo
New loan at 7.20%$1,358
Assumed at 5.70%
$1,231
Every month$127
Over five years$7,622
Interest you never pay$104,79926-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 Tunnel Hill listing on UMe shows the actual balance, rate, and payment.
How it works in Tunnel Hill
How to assumea mortgage in Tunnel Hill.
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 Tunnel Hill home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tunnel Hill 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 $131,815 in Tunnel Hill 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 Tunnel Hill payment written in a different decade.
Tunnel Hill questions
Assuming a mortgagein Tunnel Hill.
The numbers below come from current Tunnel Hill inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tunnel Hill?
As of October 2026, UMe tracks 2 active assumable listings in Tunnel Hill. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tunnel Hill?
Current Tunnel Hill inventory breaks down as FHA (1, median 4.46%) and VA (1, median 6.96%). 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 Tunnel Hill?
The lowest rate on an active Tunnel Hill assumable listing is 4.46%, and the median across all 2 listings is 5.71%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Tunnel Hill?
Across current Tunnel Hill listings, the median principal-and-interest payment on the assumable loan is $1,305 per month versus $1,534 for the same balance at today's rates, a difference of about $229 every month, or $2,750 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 Tunnel Hill?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tunnel Hill that gap is currently a median of $131,815 on a median list price of $329,950. 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 Tunnel Hill ZIP codes have the most assumable homes?
The Tunnel Hill ZIP codes with the most active assumable listings are 30755 (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 Tunnel Hill?
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 Tunnel Hill.The rate is already on the house.
Every listing on the Tunnel Hill map has a rate you can take over. Start with the ones in Tunnel Hill, get pre-qualified in minutes, and let UMe carry the assumption to closing.