Chattanooga Homes with Assumable Financing available

Chattanooga Homes with Assumable Financing available

Welcome to Chattanooga, Tennessee, a vibrant city known for its stunning natural beauty, rich history, and a thriving community spirit. Nestled in the foothills of the Appalachian Mountains, Chattanooga is surrounded by breathtaking landscapes, including the majestic Tennessee River and the iconic Lookout Mountain. This picturesque city offers a unique blend of outdoor adventures, cultural experiences, and modern amenities, making it a perfect place to call home.

Chattanooga’s downtown area is bustling with life, featuring an array of restaurants, shops, and entertainment options that cater to all tastes. The city is also home to numerous parks and recreational areas, perfect for hiking, biking, and soaking in the scenic views. With a strong sense of community and a commitment to sustainability, Chattanooga has earned accolades as one of the best places to live in the South.

If you’re considering making Chattanooga your home, you’ll be pleased to know that there are homes available with assumable financing. This unique opportunity allows buyers to take over the current mortgage of a property, potentially offering lower interest rates and more favorable terms. Whether you’re a first-time buyer or looking to relocate, homes with assumable financing can provide a more accessible pathway to homeownership in this charming city.

Explore the diverse neighborhoods of Chattanooga, each with its own character and charm. From historic districts to modern developments, there’s a perfect home waiting for you. Discover the joys of living in Chattanooga, where the beauty of nature meets the warmth of community, and take advantage of the fantastic real estate opportunities available today!

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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