Georgia › Barrow County › Bethlehem
Homes for sale with assumable mortgages in Bethlehem, GA
6 homes for sale in Bethlehem 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.
- 6homes
- 0under 3%
- 3.25%lowest rate
- $227,475median cash to assume
- $421/momedian savings vs 7.36%
See all 6 Bethlehem homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Bethlehem
-
3.25% from loan recordsFHA loan, recorded Jan 2020
1410 Miller Cove Ln, Bethlehem 30620
$414,900 · 4 bd · 2 ba · 2,060 sq ft · House · built 2018 · listed 90 days ago
- Cash to assume
- $227,475
- Payment if assumed
- $958/mo
- Saves vs 7.36% today
- $334/mo
-
3.25% from loan recordsFHA loan, recorded Jan 2021
337 Alexander Ln, Bethlehem 30620
$362,500 · 4 bd · 2 ba · 1,740 sq ft · House · built 2019 · listed 124 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2020
320 Lokeys Ln, Bethlehem 30620
$449,900 · 4 bd · 3 ba · 2,710 sq ft · House · built 2020 · listed 172 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jan 2021
231 Camp Ct, Bethlehem 30620
$360,000 · 4 bd · 2 ba · 2,209 sq ft · House · built 2021 · listed 101 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsFHA loan, recorded Jun 2020
2524 Tomoka Dr, Bethlehem 30620
$450,000 · 4 bd · 4 ba · 2,204 sq ft · House · listed 118 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded May 2020
2379 Tomoka Dr, Bethlehem 30620
$498,900 · 5 bd · 4 ba · 3,326 sq ft · House · listed 94 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Bethlehem
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 337 Alexander Ln | $362,500 | 4 | 3.25% | FHA |
| 1410 Miller Cove Ln | $414,900 | 4 | 3.25% | FHA |
| 320 Lokeys Ln | $449,900 | 4 | 3.25% | FHA |
| 231 Camp Ct | $360,000 | 4 | 3.5% | FHA |
| 2524 Tomoka Dr | $450,000 | 4 | 3.625% | FHA |
| 2379 Tomoka Dr | $498,900 | 5 | 3.75% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Bethlehem
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) · Auburn (5)
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.