Georgia › Bartow County
Homes for sale with assumable mortgages in Bartow County, GA
20 homes for sale in Bartow County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 20homes
- 8under 3%
- 2.25%lowest rate
- $145,766median cash to assume
- $429/momedian savings vs 7.36%
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Cities
- Cartersville (14)
Also in Bartow County: Adairsville, Euharlee, Kingston, White.
Lowest-rate homes in Bartow County
-
2.25% from loan recordsVA loan, recorded Jan 2021
39 Stadelman Ct, Cartersville 30120
$368,900 · 4 bd · 3 ba · 2,175 sq ft · House · built 2019 · listed 111 days ago
- Cash to assume
- $126,029
- Payment if assumed
- $1,084/mo
- Saves vs 7.36% today
- $591/mo
-
2.375% from loan recordsFHA loan, recorded Jan 2021
59 Lake Haven Dr, Cartersville 30120
$485,000 · 4 bd · 2 ba · 2,897 sq ft · House · built 2005 · listed 38 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
12 Grapevine Way NE, Cartersville 30121
$424,000 · 4 bd · 3 ba · 2,312 sq ft · House · built 2002 · listed 172 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2022
273 Jordan Rd SE, Cartersville 30120
$469,900 · 3 bd · 2 ba · 2,907 sq ft · House · built 2000 · listed 115 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Jan 2021
20 Wingfoot Trl, Cartersville 30120
$289,900 · 3 bd · 1 ba · 1,292 sq ft · House · built 1920 · listed 17 days ago
Cash to assume and monthly savings: Pro
Homes in other Bartow County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 18 Oxford Ln (may be off market) | Kingston | $293,900 | 4 | 2.75% | FHA |
| 67 Princeton Glen Ct | Adairsville | $159,900 | 2 | 3% | FHA |
| 25 Woodall Rd SE | White | $699,000 | 5 | 3.125% | FHA |
| 31 Kingston Pointe | Kingston | $288,000 | 3 | 3.5% | VA |
| 45 Shamrock Chase (may be off market) | Adairsville | $359,999 | 4 | 3.75% | FHA |
| 56 Euharlee Rd SW | Euharlee | $245,000 | 2 | 4.25% | FHA |
How assuming a mortgage works in Bartow 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.
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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.