Georgia › Camden County › Saint Marys
Homes for sale with assumable mortgages in Saint Marys, GA
7 homes for sale in Saint Marys 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 25, 2026.
- 7homes
- 4under 3%
- 2.25%lowest rate
- $63,713median cash to assume
- $431/momedian savings vs 7.32%
3 of these homes need under $50,000 cash to assume. Pro shows which ones 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 Saint Marys
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2.25% from loan recordsVA loan, recorded Jan 2021
108 Bachlott Rd, Saint Marys 31558
$294,900 · 4 bd · 3 ba · 2,096 sq ft · House · built 1988 · listed 20 days ago
- Cash to assume
- $44,690
- Payment if assumed
- $1,116/mo
- Saves vs 7.32% today
- $602/mo
-
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 60 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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2.5% from loan recordsVA loan, recorded Jan 2021
95 Quail Run, Saint Marys 31558
$365,000 · 4 bd · 2 ba · 2,718 sq ft · House · built 1985 · listed 174 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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≈3.45% or lowerVA loan, recorded Jan 2022
104 Fairfield Dr, Saint Marys 31558
$239,000 · 3 bd · 2 ba · 1,176 sq ft · House · built 1988 · listed 27 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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≈5.41% or lowerVA loan, recorded Jul 2022
611 Victorias Cir, Saint Marys 31558
$355,000 · 3 bd · 2 ba · 1,885 sq ft · House · built 2022 · listed 23 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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6.25% from loan recordsVA loan, recorded Aug 2022
2575 Douglas Dr, Saint Marys 31558
$260,000 · 3 bd · 2 ba · 1,856 sq ft · House · built 2006 · listed 58 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 7 homes in Saint Marys
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 108 Bachlott Rd | $294,900 | 4 | 2.25% | VA |
| 912 Riverview Dr E | $695,000 | 4 | 2.375% | FHA |
| 95 Quail Run | $365,000 | 4 | 2.5% | VA |
| 202 T St (may be off market) | $565,000 | 5 | ≈2.74% | VA |
| 104 Fairfield Dr | $239,000 | 3 | ≈3.45% | VA |
| 611 Victorias Cir | $355,000 | 3 | ≈5.41% | VA |
| 2575 Douglas Dr | $260,000 | 3 | 6.25% | 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 Saint Marys
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 Camden County (17 homes) · Kingsland (8)
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.