Chattanooga Homes with Assumable Financing available

Chattanooga Homes with Assumable Financing available

Welcome to the vibrant city of Chattanooga, Tennessee, where scenic beauty meets Southern charm! Nestled in Hamilton County, Chattanooga is renowned for its stunning landscapes, including the majestic Tennessee River and the breathtaking views from Lookout Mountain. With a rich history and a thriving arts scene, this city offers an array of activities for everyone—from outdoor enthusiasts to culture aficionados.

Chattanooga is home to a diverse population and a warm community spirit, making it an ideal place for families and individuals alike. The city boasts a variety of exceptional schools, parks, and recreational facilities, ensuring a high quality of life for its residents. Enjoy weekend adventures at the Tennessee Aquarium, take a stroll along the Riverwalk, or savor the local cuisine at one of the many acclaimed restaurants.

For those looking to plant roots in this picturesque city, there are homes available with assumable financing options. This unique opportunity allows buyers to take over the existing mortgage on a property, often at a lower interest rate than current market conditions. This can be a fantastic way to secure your dream home in Chattanooga without the stress of traditional financing hurdles.

Whether you’re drawn to the rich history, the vibrant community, or the stunning surroundings, Chattanooga has something for everyone. Explore the homes with assumable financing available and discover how you can embrace the charm of this remarkable city. Your dream home in Chattanooga awaits!

Newest Chattanooga Homes with Assumable Financing available

5505 Alabama Avenue, Chattanooga
$460,000
3 Beds ⋅ 3 Baths ⋅ 1544695 MLS
Open Houses this Saturday and Sunday from 1 - 4 pm. Newer construction in the heart of historic St. Elmo. Built in 2021 and owned by one family, this 3-bedroom, 2.5-bath home gives you St. Elmo's charm without the upkeep of a 100-year-old house. The open main level features dark engineered hardwood floors and a gray shaker kitchen with granite countertops, a center island, and a professional-grade range hood. The primary suite is on the main level, with a double vanity, walk-in shower, and direct access to a private rear patio enclosed by a new cedar privacy fence. Upstairs, a generous landing makes an easy home office. Move-in ready. Step outside and St. Elmo is your backyard. You're two blocks from the Virginia Avenue Greenway trailhead on 55th Street, 0.7 miles from Guild-Hardy Trail, and 1.4 miles from Virginia Avenue Park. The Tennessee Riverwalk connects St. Elmo to downtown, Erlanger Park (home of the Chattanooga Lookouts) and the Riverpark corridor. Walk to live music at The Woodshop Listening Room, The Hot Chocolatier and BlueCross Healthy Place at St. Elmo, and you're just minutes from St. Elmo Avenue's restaurants and bars, the Incline Railway and Lookout Mountain.

5505 Alabama Avenue, Chattanooga
2206 De Fue Street, Chattanooga
$385,000
3 Beds ⋅ 2 Baths ⋅ 1542834 MLS
Vetrans~ 4.9% Assuamable Loan *** LOCATION, CHARM & CONVENIENCE! Welcome to 2206 Defue Street, ideally located in the heart of Red Bank with easy access to Downtown Chattanooga, Northshore, shopping, restaurants, parks, and everyday conveniences. From the moment you arrive, the inviting covered front porch sets the tone for this charming home. Step inside to a spacious, light-filled living room featuring a cozy gas fireplace and built-in bookshelves--the perfect place to relax or entertain. The home offers plenty of flexible living space, including a formal dining room plus an additional bonus room that could easily serve as a home office, sitting room, playroom, hobby space, or whatever best fits your lifestyle. The kitchen features stainless steel appliances combining character with modern conveniences. Down the hall are two generously sized bedrooms and a full bathroom. Upstairs, you'll discover a private primary suite along with a conveniently located laundry area. Need extra storage? The partial unfinished basement provides additional space for seasonal items, tools, hobbies, and more. The current owners use it as their gym & riding toys for the children. Outside, enjoy a fenced backyard with plenty of room for pets & kids, entertaining, gardening, or simply relaxing at home. Important updates include a new roof, gutters, and gutter guards installed in 2018, along with a new HVAC & furnace system installed in 2021. With its charming character, flexible floor plan, fenced backyard, valuable updates, and a location that puts you just minutes from the excitement of Downtown Chattanooga, this Red Bank home offers the combination buyers are looking for. Call about the details for the assumable loan for qualified Veterans

2206 De Fue Street, Chattanooga
829 S Greenwood Avenue 113, Chattanooga
$449,000
3 Beds ⋅ 4 Baths ⋅ 1541948 MLS
The James Addition Townhomes comprise a boutique collection of just six modern three-story residences, defined by clean architectural lines, striking views, and one of the city's finest addresses. Completed in 2023, Unit 113 offers three spacious bedrooms and three and a half bathrooms within an open, thoughtfully arranged floor plan. A generous third-floor patio overlooks Lookout Mountain and the Southside, complemented by a covered private porch off the second-level primary suite, where the same sweeping views unfold. These sightlines are uniquely safeguarded: a national cemetery lies between the home and the mountain, so the view is expected to remain largely unobstructed for years to come. Interior finishes balance warmth and refinement, with honed granite countertops, a generous kitchen island suited to entertaining, polished chrome fixtures, and a gas range beneath a vented hood. A powder room sits conveniently on the main level, while oversized windows and ten-foot ceilings bring natural light throughout the home. The current owner has invested roughly $28,000 in thoughtful upgrades, including commercial-grade LVP flooring throughout, custom black iron stair railings, a smart front door lock, and an acoustic wood accent wall that lends texture and character. Two of the three bedrooms include en-suite bathrooms, lending flexibility for guests or roommates, while the third-floor bedroom readily serves as a home office, studio, or gym, with direct access to the rooftop deck. An attached two-car garage provides ample parking and storage space. Notably, the home is priced below its recent appraised valuation. Potential assumable mortgage opportunity! Seller's existing 10-year ARM originated in 2026 with a 5.375% interest rate. Assumption is subject to lender verification, buyer qualification, and approval. Buyer and buyer's agent to independently verify all loan terms and conduct due diligence. Seller/listing brokerage make no guarantees regarding assumability.

829 S Greenwood Avenue 113, Chattanooga
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