Georgia › Carroll County
Homes for sale with assumable mortgages in Carroll County, GA
15 homes for sale in Carroll 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.
- 15homes
- 7under 3%
- 2.25%lowest rate
- $118,291median cash to assume
- $400/momedian savings vs 7.36%
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Cities
- Villa Rica (12)
- Carrollton (7)
Also in Carroll County: Roopville, Temple.
Lowest-rate homes in Carroll County
-
2.25% from loan recordsVA loan, recorded Jan 2021
15 Clem Lowell Rd, Carrollton 30116
$325,000 · 4 bd · 2 ba · 2,341 sq ft · House · built 1902 · listed 93 days ago
- Cash to assume
- $221,998
- Payment if assumed
- $460/mo
- Saves vs 7.36% today
- $251/mo
-
≈2.74% estimateFHA loan, recorded Jan 2021
202 White Pine Ln, Temple 30179
$330,000 · 4 bd · 2 ba · 1,796 sq ft · House · built 2000 · listed 13 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2021
500 Vandenburg Dr, Villa Rica 30180
$270,000 · 2 bd · 2 ba · 1,261 sq ft · House · built 2020 · listed 115 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2021
109 W Lake Blvd, Carrollton 30116
$539,000 · 4 bd · 3 ba · 2,658 sq ft · House · built 2005 · listed 15 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2022
105 Hawk Ln, Carrollton 30116
$310,000 · 3 bd · 2 ba · 1,778 sq ft · House · built 2001 · listed 155 days ago
Cash to assume and monthly savings: Pro
Homes in other Carroll County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 224 Old Franklin Rd (may be off market) | Roopville | $749,000 | 4 | 2.375% | VA |
| 202 White Pine Ln | Temple | $330,000 | 4 | ≈2.74% | FHA |
| 301 Madeline Way | Temple | $249,000 | 4 | ≈3.62% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Carroll 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.
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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.