Georgia › Carroll County › Temple
Homes for sale with assumable mortgages in Temple, GA
5 homes for sale in Temple where the buyer can take over the seller's FHA 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 28, 2026.
- 5homes
- 1under 3%
- 2.99%lowest rate
- $114,980median cash to assume
- $354/momedian savings vs 7.32%
1 of these homes needs under $75,000 cash to assume. Pro shows which one 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 Temple
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2.99% from loan recordsFHA loan, recorded Jan 2021
404 Kenny Ln, Temple 30179
$460,000 · 3 bd · 3 ba · House · built 2002 · listed 5 days ago
- Cash to assume
- $121,425
- Payment if assumed
- $1,637/mo
- Saves vs 7.32% today
- $689/mo
-
3.75% from loan recordsFHA loan, recorded Jan 2021
812 Windy Mill Ct, Temple 30179
$319,000 · 4 bd · 3 ba · 2,279 sq ft · House · built 2001 · listed 92 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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≈4.17% estimateFHA loan, recorded Mar 2022
409 Splash Pointe, Temple 30179
$315,000 · 4 bd · 3 ba · 2,733 sq ft · House · built 2021 · listed 22 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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4.625% from loan recordsFHA loan, recorded Jan 2020
169 Carter Creek Pl, Temple 30179
$316,000 · 3 bd · 2 ba · 1,588 sq ft · House · built 2006 · listed 130 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 5 homes in Temple
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 404 Kenny Ln | $460,000 | 3 | 2.99% | FHA |
| 812 Windy Mill Ct | $319,000 | 4 | 3.75% | FHA |
| 409 Splash Pointe | $315,000 | 4 | ≈4.17% | FHA |
| 169 Carter Creek Pl | $316,000 | 3 | 4.625% | FHA |
| 133 Pebblebrook Way (may be off market) | $414,900 | 3 | 4.875% | 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 Temple
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 Carroll County (24 homes) · Villa Rica (19) · Carrollton (7)
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.