Georgia › Barrow County › Auburn
Homes for sale with assumable mortgages in Auburn, GA
5 homes for sale in Auburn where the buyer can take over the seller's FHA loan, recorded from 2020 to early 2022 when rates were under 4%. Today's average 30-year rate is 7.36%. Updated October 18, 2026.
- 5homes
- 0under 3%
- 3.25%lowest rate
- $180,816median cash to assume
- $517/momedian savings vs 7.36%
See all 5 Auburn homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Auburn
-
3.25% from loan recordsFHA loan, recorded Jan 2022
359 Scenic Ln, Auburn 30011
$349,900 · 3 bd · 2 ba · House · built 1987 · listed 174 days ago
- Cash to assume
- $98,372
- Payment if assumed
- $1,218/mo
- Saves vs 7.36% today
- $517/mo
-
3.75% from loan recordsFHA loan, recorded Sep 2021
3800 Bailey Rd, Auburn 30011
$789,900 · 5 bd · 4 ba · 4,325 sq ft · House · listed 20 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded May 2020
2274 Woodmarsh Cir, Auburn 30011
$568,000 · 4 bd · 3 ba · 3,708 sq ft · House · listed 21 days ago
Cash to assume and monthly savings: Pro
-
3.875% from loan recordsFHA loan, recorded Jan 2022
91 Auburn Run Ln, Auburn 30011
$285,000 · 3 bd · 2 ba · 1,590 sq ft · House · built 2022 · listed 17 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Auburn
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 359 Scenic Ln | $349,900 | 3 | 3.25% | FHA |
| 106 Creekside Bluff Way (may be off market) | $499,000 | 4 | 3.25% | FHA |
| 2274 Woodmarsh Cir | $568,000 | 4 | 3.75% | FHA |
| 3800 Bailey Rd | $789,900 | 5 | 3.75% | FHA |
| 91 Auburn Run Ln | $285,000 | 3 | 3.875% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Auburn
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.
Nearby
All of Barrow County (17 homes) · Winder (10) · Bethlehem (6)
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.