Georgia › Barrow County
Homes for sale with assumable mortgages in Barrow County, GA
17 homes for sale in Barrow County where the buyer can take over the seller's FHA, VA or USDA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 17homes
- 7under 3%
- 2.25%lowest rate
- $180,816median cash to assume
- $371/momedian savings vs 7.36%
See all 17 on the map No account needed. Create a free account to save homes and searches.
Cities
Lowest-rate homes in Barrow County
-
2.25% from loan recordsFHA loan, recorded Jan 2020
1705 Orileys Run, Winder 30680
$438,000 · 4 bd · 3 ba · 2,325 sq ft · House · built 2020 · listed 30 days ago
- Cash to assume
- $183,183
- Payment if assumed
- $1,174/mo
- Saves vs 7.36% today
- $584/mo
-
2.25% from loan recordsVA loan, recorded Jan 2021
1705 Bismarck Cir, Winder 30680
$325,000 · 4 bd · 3 ba · 1,787 sq ft · House · built 2007 · listed 97 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
2001 Massey Ln, Winder 30680
$359,000 · 4 bd · 2 ba · 2,222 sq ft · House · built 2017 · listed 55 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2020
24 Saint Ives Ln, Winder 30680
$599,900 · 5 bd · 3 ba · 4,524 sq ft · House · built 1993 · listed 66 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2020
1534 Cardinal Ln, Winder 30680
$315,000 · 3 bd · 2 ba · 1,786 sq ft · House · built 2004 · listed 112 days ago
Cash to assume and monthly savings: Pro
How assuming a mortgage works in Barrow County
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.
See every Georgia county.
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.