Georgia › Bartow County › Adairsville
Homes for sale with assumable mortgages in Adairsville, GA
5 homes for sale in Adairsville where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Today's average 30-year rate is 7.32%. Updated October 23, 2026.
- 5homes
- 0under 3%
- 3%lowest rate
- $82,526median cash to assume
- $336/momedian savings vs 7.32%
1 of these homes needs under $50,000 cash to assume. Pro shows which one and sorts every home by the cash it takes: $19 a month or $45 for 90 days.
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Lowest-rate homes in Adairsville
-
3% from loan recordsFHA loan, recorded Jan 2022
67 Princeton Glen Ct, Adairsville 30103
$159,900 · 2 bd · 2 ba · 1,188 sq ft · House · built 2002 · listed 60 days ago
- Cash to assume
- $32,474
- Payment if assumed
- $600/mo
- Saves vs 7.32% today
- $275/mo
-
3.125% from loan recordsFHA loan, recorded Jan 2021
641 Johnson Rd SE, Adairsville 30103
$230,000 · 2 bd · 2 ba · 1,152 sq ft · House · built 1996 · listed 28 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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3.125% from loan recordsVA loan, recorded Apr 2022
16 Jay Cir NW, Adairsville 30103
$310,000 · 3 bd · 2 ba · 1,868 sq ft · House · built 2020 · listed 79 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2022
519 Adare Pkwy NW, Adairsville 30103
$410,000 · 4 bd · 2 ba · 2,768 sq ft · House · built 2022 · listed 24 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 5 homes in Adairsville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 67 Princeton Glen Ct | $159,900 | 2 | 3% | FHA |
| 641 Johnson Rd SE | $230,000 | 2 | 3.125% | FHA |
| 16 Jay Cir NW | $310,000 | 3 | 3.125% | VA |
| 45 Shamrock Chase (may be off market) | $359,999 | 4 | 3.75% | FHA |
| 519 Adare Pkwy NW | $410,000 | 4 | 3.75% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Adairsville
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, but VA sellers strongly prefer a veteran buyer. If you aren't one, the seller's VA entitlement stays tied to the loan, on a house they no longer own, until it's paid off, and that limits their next VA loan. Expect a seller to hold out for a veteran or want something for it. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation. Why entitlement matters.
- 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 Bartow County (21 homes) · Cartersville (13)
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.