Georgia › Camden County
Homes for sale with assumable mortgages in Camden County, GA
11 homes for sale in Camden 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.
- 11homes
- 6under 3%
- 2.375%lowest rate
- $151,864median cash to assume
- $352/momedian savings vs 7.36%
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Cities
- Kingsland (5)
Also in Camden County: Saint Marys, Waverly.
Lowest-rate homes in Camden County
-
2.375% from loan recordsFHA loan, recorded Jan 2021
912 Riverview Dr E, Saint Marys 31558
$695,000 · 4 bd · 3 ba · 2,580 sq ft · House · built 2000 · listed 53 days ago
- Cash to assume
- $454,374
- Payment if assumed
- $1,089/mo
- Saves vs 7.36% today
- $571/mo
-
2.625% from loan recordsVA loan, recorded Jan 2021
79 Manatee Ct, Waverly 31565
$689,000 · 5 bd · 2 ba · 2,801 sq ft · House · built 2016 · listed 124 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
204 Sugarmill Blvd, Saint Marys 31558
$247,500 · 3 bd · 2 ba · 1,764 sq ft · House · built 2006 · listed 33 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsVA loan, recorded Jan 2020
212 Hayworth Ct, Kingsland 31548
$270,000 · 3 bd · 2 ba · 1,572 sq ft · House · built 2019 · listed 17 days ago
- Cash to assume
- $118,874
- Payment if assumed
- $752/mo
- Saves vs 7.36% today
- $290/mo
-
3% from loan recordsFHA loan, recorded Jan 2020
108 Lake Palms Dr, Kingsland 31548
$335,000 · 4 bd · 2 ba · 1,600 sq ft · House · built 2003 · listed 113 days ago
Cash to assume and monthly savings: Pro
Homes in other Camden County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 912 Riverview Dr E | Saint Marys | $695,000 | 4 | 2.375% | FHA |
| 79 Manatee Ct | Waverly | $689,000 | 5 | 2.625% | VA |
| 204 Sugarmill Blvd | Saint Marys | $247,500 | 3 | ≈2.74% | VA |
| 202 T St (may be off market) | Saint Marys | $565,000 | 5 | ≈2.74% | VA |
| 2124 Horseshoe Cove Rd (may be off market) | Waverly | $349,000 | 4 | 3.375% | VA |
| 104 Fairfield Dr | Saint Marys | $239,000 | 3 | ≈3.45% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Camden 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.