FHATop pick
Active
47$639,470Potential short sale
- Rate
- 2.10%
7.18%today- Payment
- $2,810/mo
$5,081today
- 3beds
- 4baths
- 2,718sqft
Kentucky · Statewide
Assumable homes for salein Kentucky.
96 homes in Kentucky carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.36%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kentucky assumable market
by the numbers.
96active assumable listings
2.36%lowest locked rate
$245kmedian list price
$261saved per month vs. 7.2%
Across Kentucky
Assumable homesby Kentucky city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Kentucky on the map- 01Hopkinsville4141 assumable homes · median 6.03%
- 02Oak Grove3030 assumable homes · median 6.50%
- 03Cadiz99 assumable homes · median 4.20%
- 04Elkton22 assumable homes · median 2.73%
- 05Franklin22 assumable homes · median 4.84%
- 06Russellville22 assumable homes · median 4.82%
- 07Trenton22 assumable homes · median 4.40%
- 08Adairville11 assumable home · median 6.85%
- 09Bowling Green11 assumable home · median 7.09%
- 10Crofton11 assumable home · median 6.46%
- 11Fulton11 assumable home · median 6.64%
- 12Guthrie11 assumable home · median 5.87%
- 13Herndon11 assumable home · median 2.50%
- 14La Fayette11 assumable home · median 6.50%
- 15Murray11 assumable home · median 5.70%
Also covered in Kentucky, no verified assumable listings today:
- Adolphus
- Albany
- Allensville
- Alvaton
- Auburn
- Bardstown
- Baxter
- Beaver Dam
- Beechmont
- Belton
- Benton
- Boaz
- Burkesville
- Calhoun
- Center
- Centertown
- Central City
- Cerulean
- Clarkson
- Clinton
- Dawson Springs
- Drakesboro
- Dunmor
- Earlington
- Eddyville
- Edmonton
- Elizabethtown
- Evarts
- Falls of Rough
- Flatwoods
- Fountain Run
- Fredonia
- Gilbertsville
- Glasgow
- Gracey
- Graham
- Grand Rivers
- Greenville
- Hanson
- Hardin
- Hazel
- Hestand
- Hickory
- Jamestown
- Kuttawa
- Ledbetter
- Lewisburg
- Lexington
- London
- Louisville
- Madisonville
- Mayfield
- McRoberts
- Middlesboro
- Morgantown
- Mount Hermon
- New Concord
- Nicholasville
- Nortonville
- Olmstead
- Owensboro
- Paducah
- Pembroke
- Powderly
- Princeton
- Providence
- Richmond
- Robards
- Roundhill
- Scottsville
- Sharon Grove
- Smiths Grove
- Somerset
- Summer Shade
- Vine Grove
- Waco
- White Plains
- Woodburn
About the market
Assumable mortgagesin Kentucky, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Kentucky. Updated November 2026.
How assumptions work for buyersKentucky has 96 homes for sale with an assumable mortgage as of November 2026: 71 VA loans and 25 FHA 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 Kentucky assumable listings start at 2.36% with a median of 6.02%; 24 listings are under 4% and 32 are under 5%.
The median assumable home in Kentucky lists for $245,000, with a median of $61,986 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 $1,159 a month versus $1,420 for the same balance at today's rate, roughly $261 kept every month and $3,135 a year. The deepest Kentucky inventory is in Hopkinsville (41), Oak Grove (30), Cadiz (9), Elkton (2), and Franklin (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 Kentucky assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Kentucky
View all 96 on the map Homes on the marketacross Kentucky.
FHATop pick
Active
70$2,700,000Potential short sale
- Rate
- 2.32%
7.18%today- Payment
- $31,535/mo
$43,538today
- 5beds
- 7baths
- 5,391sqft
1045 Buena Vista Dr, Franklin
FHATop pick
Active
26$200,000$12,797 equity gap
- Rate
- 2.86%
7.18%today- Payment
- $874/mo
$1,430today
- 3beds
- 3baths
- 1,122sqft
8048 Logan Dr, La Vergne
VATop pick
Active
50$370,000$36,690 equity gap
- Rate
- 3.12%
7.18%today- Payment
- $1,588/mo
$2,512today
- 4beds
- 3baths
- 2,322sqft
661 Battery Ct, Clarksville
VATop pick
Active
43$235,000$9,384 equity gap
- Rate
- 3.45%
7.18%today- Payment
- $1,110/mo
$1,684today
- 2beds
- 2baths
- 1,623sqft
3818 HARVEST RDG, Clarksville
VA
Active
58$305,000$54,129 equity gap
- Rate
- 2.75%
7.18%today- Payment
- $1,155/mo
$1,916today
- 3beds
- 2baths
- 1,746sqft
1115 Freedom Dr, Clarksville
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 Kentucky.
Live counts from the MLS feeds we index for Kentucky. Updated November 2026.
- Active listings
- 96
- UMe Certified / verified
- 0
- Lowest rate
- 2.36%
- Median rate
- 6.02%
- Median list price
- $245,000
- Median cash to assume
- $61,986
Kentucky listings by locked rate
- Under 4%24 homes
- 4% – 5%8 homes
- 5% – 6%15 homes
- 6% and up49 homes
Kentucky listings by loan type
- VA71 homesmedian 6.09%
- FHA25 homesmedian 5.87%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Kentucky numbers
What an assumable ratedoes to a Kentucky payment.
The sliders start at the median Kentucky assumable listing: $245,000 list price and a 6.02% 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)$60,000
24% 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 Kentucky
$1,172/mo
New loan at 7.20%$1,256
Assumed at 6.00%
$1,172
Every month$83
Over five years$5,007
Interest you never pay$86,31526-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 Kentucky listing on UMe shows the actual balance, rate, and payment.
How it works in Kentucky
How to assumea mortgage in Kentucky.
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 Kentucky home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kentucky 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 $61,986 in Kentucky 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 Kentucky payment written in a different decade.
Kentucky questions
Assuming a mortgagein Kentucky.
The numbers below come from current Kentucky inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kentucky?
As of November 2026, UMe tracks 96 active assumable listings in Kentucky. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Kentucky?
Current Kentucky inventory breaks down as VA (71, median 6.09%) and FHA (25, median 5.87%). 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 Kentucky?
The lowest rate on an active Kentucky assumable listing is 2.36%, and the median across all 96 listings is 6.02%. 24 listings are under 4% and 32 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 Kentucky?
Across current Kentucky listings, the median principal-and-interest payment on the assumable loan is $1,159 per month versus $1,420 for the same balance at today's rates, a difference of about $261 every month, or $3,135 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 Kentucky?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kentucky that gap is currently a median of $61,986 on a median list price of $245,000. 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 Kentucky cities have the most assumable homes?
The deepest assumable inventory in Kentucky is in Hopkinsville (41), Oak Grove (30), Cadiz (9), Elkton (2), and Franklin (2). Each city has its own page with live counts, rates, and neighborhoods, and the Kentucky map lets you search the whole state at once.
How long does a mortgage assumption take in Kentucky?
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 Kentucky.The rate is already on the house.
Every listing on the Kentucky map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.