Homes for sale with assumable mortgages in Georgia
1,203 homes for sale across 109 counties where the buyer can take over a low-rate FHA, VA, or USDA loan. Updated October 17, 2026.
- 1203homes
- 612under 3%
- 2.244%lowest rate
- $147,665median cash to assume
- $419/momedian savings vs 7.36%
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Cities with the most homes
- Atlanta (49)
- Dallas (28)
- Savannah (27)
- Grovetown (25)
- Lawrenceville (25)
- Marietta (24)
- Douglasville (22)
- McDonough (22)
- Canton (21)
- Valdosta (21)
- Rome (20)
- Evans (19)
- Brunswick (18)
- Fayetteville (18)
- Augusta (17)
- Conyers (17)
- Snellville (16)
- Cumming (15)
- Hinesville (15)
- Loganville (15)
- Fairburn (14)
- Jonesboro (14)
- Lithonia (14)
- Cartersville (13)
- Covington (13)
- Newnan (13)
- Griffin (12)
- Stockbridge (12)
- Dacula (11)
- Hampton (11)
Every county
- Appling (1)
- Bacon (1)
- Baldwin (5)
- Banks (2)
- Barrow (18)
- Bartow (19)
- Ben Hill (1)
- Berrien (1)
- Bibb (12)
- Brooks (2)
- Bryan (9)
- Bulloch (7)
- Burke (1)
- Butts (6)
- Camden (14)
- Carroll (15)
- Catoosa (4)
- Charlton (2)
- Chatham (36)
- Chattooga (2)
- Cherokee (37)
- Clarke (4)
- Clayton (37)
- Clinch (1)
- Cobb (63)
- Coffee (3)
- Columbia (59)
- Cook (2)
- Coweta (23)
- Dade (2)
- Dawson (5)
- DeKalb (47)
- Dougherty (1)
- Douglas (25)
- Effingham (22)
- Fannin (4)
- Fayette (22)
- Floyd (24)
- Forsyth (18)
- Franklin (2)
- Fulton (71)
- Gilmer (3)
- Glynn (20)
- Gordon (7)
- Greene (3)
- Gwinnett (106)
- Habersham (8)
- Hall (18)
- Hancock (1)
- Haralson (6)
- Harris (3)
- Hart (2)
- Henry (46)
- Houston (28)
- Jackson (13)
- Jasper (2)
- Jefferson (1)
- Jenkins (1)
- Jones (1)
- Lamar (2)
- Lanier (2)
- Laurens (2)
- Lee (1)
- Liberty (20)
- Long (4)
- Lowndes (29)
- Lumpkin (6)
- Madison (2)
- McDuffie (1)
- McIntosh (1)
- Meriwether (1)
- Monroe (4)
- Morgan (3)
- Murray (1)
- Muscogee (9)
- Newton (15)
- Oconee (1)
- Oglethorpe (1)
- Paulding (48)
- Peach (5)
- Pickens (4)
- Pierce (8)
- Pike (1)
- Polk (2)
- Putnam (1)
- Rabun (2)
- Richmond (24)
- Rockdale (18)
- Spalding (12)
- Stephens (3)
- Talbot (1)
- Tattnall (2)
- Telfair (1)
- Thomas (1)
- Tift (4)
- Toombs (1)
- Towns (1)
- Treutlen (1)
- Troup (9)
- Union (4)
- Upson (1)
- Walker (12)
- Walton (12)
- Ware (4)
- Wayne (5)
- White (4)
- Whitfield (6)
- Wilkes (1)
- Wilkinson (1)
How assuming a mortgage works
You take over the seller's existing loan: its rate, its remaining balance, and its remaining term. The difference between the price and the balance is the cash to assume, paid to the seller in cash or with a second loan.
- FHA loans: you apply with the seller's loan servicer and qualify much like a new loan, and you have to live in the home.
- VA loans: you don't have to be a veteran to assume one. If you aren't, the seller's VA entitlement stays with the loan, so some sellers prefer veteran buyers. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation.
- Timing: the servicer approves the assumption. VA requires a decision within 45 days of a complete application; FHA sets no deadline. Plan on roughly 45 to 90 days to close.
More in the guides to assuming a VA loan and assuming an FHA loan.
Rates come from each loan's public records (HUD's FHA records or the lender's federal HMDA report) where we can match the loan; the rest are estimates from the average 30-year rate in the month the loan was recorded (VA loans usually came in lower; FHA loans landed on both sides). Balances are estimates: the original loan amount from public records, paid down to today. Prices are from the listing when we first found it; check the listing for the current price. Savings compare the same loan amount at today's average rate. Not a brokerage, lender, or advisor; confirm everything with the listing agent and the loan servicer.