Georgia › Bibb County › Macon
Homes for sale with assumable mortgages in Macon, GA
13 homes for sale in Macon where the buyer can take over the seller's FHA or VA 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.
- 13homes
- 8under 3%
- 2.25%lowest rate
- $97,912median cash to assume
- $342/momedian savings vs 7.36%
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Lowest-rate homes in Macon
-
2.25% from loan recordsVA loan, recorded Apr 2021
4036 Liberty Estates Dr, Macon 31216
$250,000 · 4 bd · 2 ba · 2,031 sq ft · House · built 2019 · listed 37 days ago
- Cash to assume
- $111,404
- Payment if assumed
- $614/mo
- Saves vs 7.36% today
- $342/mo
-
2.25% from loan recordsFHA loan, recorded Apr 2021
3878 Hitchcock Rd, Macon 31217
$265,000 · 3 bd · 2 ba · 1,705 sq ft · House · built 1979 · listed 44 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsFHA loan, recorded May 2021
1315 Edna Pl, Macon 31204
$125,000 · 3 bd · 1 ba · 1,473 sq ft · House · built 1954 · listed 108 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Nov 2021
459 Ashville Dr, Macon 31210
$249,900 · 4 bd · 2 ba · 2,100 sq ft · House · built 1993 · listed 4 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Aug 2021
120 Westchester Dr, Macon 31210
$669,000 · 4 bd · 3 ba · 3,444 sq ft · House · built 2001 · listed 32 days ago
Cash to assume and monthly savings: Pro
-
≈2.84% or lowerVA loan, recorded Aug 2021
6698 Chriswood Dr, Macon 31216
$343,500 · 3 bd · 2 ba · 2,508 sq ft · House · built 1988 · listed 109 days ago
Cash to assume and monthly savings: Pro
-
≈2.98% estimateFHA loan, recorded Jun 2021
104 Wakefield Dr, Macon 31210
$159,500 · 2 bd · 2 ba · 1,314 sq ft · House · built 1985 · listed 85 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsVA loan, recorded Jan 2022
2532 Vineville Ave, Macon 31204
$490,000 · 4 bd · 3 ba · 3,874 sq ft · House · built 1904 · listed 51 days ago
Cash to assume and monthly savings: Pro
All 13 homes in Macon
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4036 Liberty Estates Dr | $250,000 | 4 | 2.25% | VA |
| 3878 Hitchcock Rd | $265,000 | 3 | 2.25% | FHA |
| 1315 Edna Pl | $125,000 | 3 | 2.375% | FHA |
| 459 Ashville Dr | $249,900 | 4 | 2.625% | FHA |
| 120 Westchester Dr | $669,000 | 4 | 2.75% | FHA |
| 6698 Chriswood Dr | $343,500 | 3 | ≈2.84% | VA |
| 104 Wakefield Dr | $159,500 | 2 | ≈2.98% | FHA |
| 2532 Vineville Ave | $490,000 | 4 | 2.99% | VA |
| 4772 Oxford Rd | $485,000 | 4 | 3.125% | FHA |
| 1345 Lancelot Ln | $169,900 | 3 | 3.625% | VA |
| 145 Brookstone Way | $285,000 | 3 | 3.625% | VA |
| 228 Jefferson Cir | $187,900 | 3 | 3.75% | FHA |
| 2986 Crestline Dr | $233,000 | 3 | 5.75% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Macon
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 Bibb County (14 homes)
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.