Georgia › Catoosa County › Ringgold
Homes for sale with assumable mortgages in Ringgold, GA
5 homes for sale in Ringgold 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 24, 2026.
- 5homes
- 1under 3%
- 2.75%lowest rate
- $23,408median cash to assume
- $170/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 Ringgold
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2.75% from loan recordsFHA loan, recorded Jan 2021
213 Morris Dr, Ringgold 30736
$275,000 · 4 bd · 2 ba · 1,988 sq ft · House · built 1973 · listed 73 days ago
- Cash to assume
- $104,028
- Payment if assumed
- $806/mo
- Saves vs 7.32% today
- $369/mo
-
5.125% from loan recordsFHA loan, recorded Jan 2022
269 Sutton Dr, Ringgold 30736
$312,500 · 3 bd · 2 ba · 2,422 sq ft · House · built 1998 · listed 65 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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5.125% from loan recordsFHA loan, recorded May 2022
109 Judith St, Ringgold 30736
$195,000 · 3 bd · 1 ba · 1,980 sq ft · House · built 1964 · listed 98 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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5.625% from loan recordsFHA loan, recorded Jun 2022
99 Chloe Belle Cir, Ringgold 30736
$340,000 · 3 bd · 2 ba · 1,846 sq ft · House · built 1997 · listed 16 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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5.625% from loan recordsFHA loan, recorded Jan 2022
254 Pine St, Ringgold 30736
$206,720 · 3 bd · 1 ba · 1,056 sq ft · House · built 1980 · listed 40 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 5 homes in Ringgold
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 213 Morris Dr | $275,000 | 4 | 2.75% | FHA |
| 109 Judith St | $195,000 | 3 | 5.125% | FHA |
| 269 Sutton Dr | $312,500 | 3 | 5.125% | FHA |
| 254 Pine St | $206,720 | 3 | 5.625% | FHA |
| 99 Chloe Belle Cir | $340,000 | 3 | 5.625% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Ringgold
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 Catoosa County (7 homes)
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.