Free · Updated Monthly · July 2, 2026
Buy the payment,
not just the house.
Charleston-area homes on the market right now carry assumable VA loans locked in under 4%. You don’t need to be military — any qualified buyer can assume one and skip today’s rate. Pick your county below to see what’s real. Researching first? The July 2026 archive lists open VA and FHA addresses by county — this page is the live sub-4% VA conversion list.
What is inside
A rate you can’t get anymore
Every home on this list carries an existing VA loan the seller took out years ago. Most of them locked in under 4%. Loan assumption lets a qualified buyer take over that same loan, at that same rate, instead of originating a brand-new mortgage at today’s number. It’s one of the only legitimate paths left to a sub-4% rate in this market.
On a $450,000 home, the gap between assuming a 2.9% loan and originating fresh at today’s rate is real money every month, for as long as you hold the loan. That gap is the entire reason this list exists.
Inventory refreshed July 2, 2026 · 96 listings
Get your county’s list
Pick where you’re looking. You’ll see the matches instantly on this page, plus your own copy by email. Nothing else. No drip sequence you didn’t ask for.
Step 1 · Pick your area
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Step 2 · Get your matches
I am looking toIn your own words, be honest, be weird
No corporate speak. I read every one of these.
Your email goes straight to Jennifer’s list, tagged to your area. No spam, no drip funnels, unsubscribe with one click.
Jennifer Dane, REALTOR®, eXp Realty LLC. USAF intelligence analyst turned Charleston agent. 2026 SC Vetrepreneur of the Year.
Your matches
Your county, unlocked
No addresses show until you tell me where you’re looking. Once you do, everything below is scoped to your county only. Sort any column, or grab the CSV.
The Part That Isn’t Public
This list only covers what’s visible on MLS. I track quite a few more assumable-loan properties that never make it to a public list at all. If you want eyes on those too, reach out directly and tell me what you’re looking for.
Who this is for
Two kinds of people use this
Buyers
If today’s rate is what’s keeping you on the sidelines, this is the fastest way back in. Assuming an existing loan can mean a materially lower payment than anything available new right now. Worth a look before you write off buying altogether.
Agents
Send this to any buyer who’s rate-shy. It’s free, it’s public MLS data, and if you’re already their agent, they land back with you. I’m not fishing for your clients.
Ready?
Pick your county. See what’s real.
It takes ten seconds, and nobody calls you unless you ask them to.
Get the List →Data believed current as of the date on the list and subject to change without notice. Loan assumability is not guaranteed. Buyers must verify assumability, exact rate, and remaining balance directly with the current lender/servicer before relying on it. Not a loan approval or an offer of credit. Market figures and property details are deemed reliable but not guaranteed. Jennifer Dane, REALTOR® · SC License #143902 · eXp Realty LLC.
Research tools for this move: run your pay grade through the BAH calculator, scan the monthly assumable VA list, check a listing with Check This Address, and watch what is being permitted on Charleston Pulse.
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