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Homes for sale with assumable mortgages in Villa Rica, GA
12 homes for sale in Villa Rica 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.
- 12homes
- 4under 3%
- 2.25%lowest rate
- $129,327median cash to assume
- $379/momedian savings vs 7.36%
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Lowest-rate homes in Villa Rica
-
2.25% from loan recordsVA loan, recorded Oct 2020
9667 Ephesus Church Rd, Villa Rica 30180
$1,425,000 · 4 bd · 4 ba · 5,792 sq ft · House · listed 61 days ago
- Cash to assume
- $1,013,162
- Payment if assumed
- $1,852/mo
- Saves vs 7.36% today
- $988/mo
-
≈2.74% or lowerVA loan, recorded Jan 2021
121 Stafford Ln, Villa Rica 30180
$400,000 · 4 bd · 2 ba · 3,313 sq ft · House · built 2006 · listed 129 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2020
24 Elm Ln, Villa Rica 30180
$315,000 · 3 bd · 2 ba · 1,862 sq ft · House · built 2020 · listed 76 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
-
3.125% from loan recordsVA loan, recorded Jan 2020
82 Champions Xing, Villa Rica 30180
$434,900 · 4 bd · 3 ba · 2,261 sq ft · House · built 2018 · listed 129 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
9912 Bridgewater Pointe, Villa Rica 30180
$399,000 · 3 bd · 2 ba · 2,576 sq ft · House · built 2000 · listed 172 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Dec 2020
2002 Vine Clf, Villa Rica 30180
$335,900 · 10 bd · 2 ba · 2,224 sq ft · House · listed 166 days ago
Cash to assume and monthly savings: Pro
-
4.5% from loan recordsFHA loan, recorded Jan 2020
309 Augusta Woods Dr, Villa Rica 30180
$309,000 · 4 bd · 2 ba · 2,440 sq ft · House · built 2019 · listed 24 days ago
Cash to assume and monthly savings: Pro
All 12 homes in Villa Rica
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 9667 Ephesus Church Rd | $1,425,000 | 4 | 2.25% | VA |
| 121 Stafford Ln | $400,000 | 4 | ≈2.74% | VA |
| 500 Vandenburg Dr | $270,000 | 2 | 2.75% | VA |
| 24 Elm Ln | $315,000 | 3 | 2.75% | FHA |
| 119 Brookhaven Dr (may be off market) | $425,500 | 5 | 3.125% | FHA |
| 82 Champions Xing | $434,900 | 4 | 3.125% | VA |
| 253 Augusta Woods Dr (may be off market) | $264,900 | 3 | 3.25% | FHA |
| 142 Meriwether Ln (may be off market) | $320,000 | 3 | 3.25% | FHA |
| 9912 Bridgewater Pointe | $399,000 | 3 | ≈3.62% | VA |
| 2002 Vine Clf | $335,900 | 10 | 3.75% | FHA |
| 1400 Daniel Rd (may be off market) | $489,000 | 4 | 4.125% | VA |
| 309 Augusta Woods Dr | $309,000 | 4 | 4.5% | 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 Villa Rica
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) · 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.