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Homes for sale with assumable mortgages in Jackson, GA
8 homes for sale in Jackson 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.
- 8homes
- 3under 3%
- 2.49%lowest rate
- $200,711median cash to assume
- $399/momedian savings vs 7.36%
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Lowest-rate homes in Jackson
-
2.625% from loan recordsVA loan, recorded Jan 2020
167 Woodlands Dr, Jackson 30233
$302,698 · 3 bd · 2 ba · 1,819 sq ft · House · built 2006 · listed 67 days ago
- Cash to assume
- $188,967
- Payment if assumed
- $545/mo
- Saves vs 7.36% today
- $239/mo
-
≈2.74% or lowerVA loan, recorded Jan 2021
561 Harbour Shores Dr, Jackson 30233
$629,900 · 3 bd · 2 ba · 2,136 sq ft · House · built 1997 · listed 102 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Jan 2020
202 Riverpoint Way, Jackson 30233
$435,000 · 4 bd · 3 ba · 2,451 sq ft · House · built 2020 · listed 158 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Jan 2020
115 Morningside Dr, Jackson 30233
$370,900 · 4 bd · 2 ba · 2,178 sq ft · House · built 2001 · listed 152 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jan 2021
154 Katy Lake Rd, Jackson 30233
$415,000 · 3 bd · 2 ba · 1,510 sq ft · House · built 2001 · listed 13 days ago
Cash to assume and monthly savings: Pro
-
4% from loan recordsFHA loan, recorded Jan 2022
131 Lakeview Rd, Jackson 30233
$308,000 · 3 bd · 2 ba · 1,686 sq ft · House · built 1997 · listed 26 days ago
Cash to assume and monthly savings: Pro
All 8 homes in Jackson
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 102 River Point Rd (may be off market) | $449,900 | 4 | 2.49% | VA |
| 167 Woodlands Dr | $302,698 | 3 | 2.625% | VA |
| 561 Harbour Shores Dr | $629,900 | 3 | ≈2.74% | VA |
| 202 Riverpoint Way | $435,000 | 4 | 3% | FHA |
| 115 Morningside Dr | $370,900 | 4 | 3.375% | FHA |
| 154 Katy Lake Rd | $415,000 | 3 | 3.5% | FHA |
| 202 Hickory Rd (may be off market) | $249,900 | 3 | 3.875% | VA |
| 131 Lakeview Rd | $308,000 | 3 | 4% | FHA |
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 Jackson
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 Butts County (6 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.