Georgia › Carroll County › Carrollton
Homes for sale with assumable mortgages in Carrollton, GA
7 homes for sale in Carrollton 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.
- 7homes
- 4under 3%
- 2.25%lowest rate
- $134,043median cash to assume
- $483/momedian savings vs 7.36%
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Lowest-rate homes in Carrollton
-
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
-
2.875% 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
-
3% from loan recordsVA loan, recorded Jan 2021
119 Springwood Dr, Carrollton 30117
$395,000 · 4 bd · 2 ba · 2,291 sq ft · House · built 2021 · listed 17 days ago
Cash to assume and monthly savings: Pro
-
≈3.45% or lowerVA loan, recorded Jan 2022
127 Opal Ln, Carrollton 30116
$305,000 · 3 bd · 2 ba · 1,612 sq ft · House · built 2002 · listed 50 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% estimateFHA loan, recorded Jan 2020
234 Ruby Ct, Carrollton 30116
$285,000 · 3 bd · 3 ba · 1,356 sq ft · House · built 2005 · listed 180 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Carrollton
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 15 Clem Lowell Rd | $325,000 | 4 | 2.25% | VA |
| 184 Stonegate Trl (may be off market) | $749,000 | 5 | 2.75% | VA |
| 105 Hawk Ln | $310,000 | 3 | 2.875% | VA |
| 109 W Lake Blvd | $539,000 | 4 | 2.875% | VA |
| 119 Springwood Dr | $395,000 | 4 | 3% | VA |
| 127 Opal Ln | $305,000 | 3 | ≈3.45% | VA |
| 234 Ruby Ct | $285,000 | 3 | ≈3.62% | 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 Carrollton
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 Carroll County (15 homes) · Villa Rica (12)
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.