Georgia › Bryan County

Homes for sale with assumable mortgages in Bryan County, GA

9 homes for sale in Bryan 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.

• 9homes
• 4under 3%
• 2.74%lowest rate
• $206,867median cash to assume
• $430/momedian savings vs 7.36%

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Cities

• Richmond Hill (8)

Also in Bryan County: Ellabell.

Lowest-rate homes in Bryan County

1. ≈2.74% or lowerVA loan, recorded Jan 2021

   30 Timberland Cir, Richmond Hill 31324

   $528,000 · 5 bd · 3 ba · 3,408 sq ft · House · built 2016 · listed 51 days ago

   Cash to assume

   $171,815

   Payment if assumed

   $1,677/mo

   Saves vs 7.36% today

   $780/mo

   Details · See on the map · Photos on Zillow

2. 2.75% from loan recordsVA loan, recorded Aug 2020

   890 Saint Catherine Cir, Richmond Hill 31324

   $869,000 · 4 bd · 3 ba · 3,266 sq ft · House · built 2016 · listed 159 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

3. ≈3.62% or lowerVA loan, recorded Jan 2020

   188 Crawford Ln, Richmond Hill 31324

   $548,900 · 4 bd · 2 ba · 2,662 sq ft · House · built 2020 · listed 32 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

4. ≈3.62% or lowerVA loan, recorded Jan 2020

   180 Kerry Dr, Richmond Hill 31324

   $579,000 · 4 bd · 3 ba · 3,084 sq ft · House · built 2018 · listed 58 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

5. ≈3.62% or lowerVA loan, recorded Jan 2020

   46 Leaf Ct, Richmond Hill 31324

   $275,000 · 3 bd · 2 ba · 1,578 sq ft · House · built 2018 · listed 79 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

Homes in other Bryan County towns

How assuming a mortgage works in Bryan 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.

See every Georgia county.

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.