Georgia › Chatham County
Homes for sale with assumable mortgages in Chatham County, GA
38 homes for sale in Chatham 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.
- 38homes
- 16under 3%
- 2.25%lowest rate
- $173,140median cash to assume
- $392/momedian savings vs 7.36%
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Cities
Also in Chatham County: Port Wentworth.
Lowest-rate homes in Chatham County
-
2.25% from loan recordsFHA loan, recorded Jan 2021
42 Stonelake Cir, Savannah 31419
$235,000 · 3 bd · 2 ba · 1,750 sq ft · House · built 2003 · listed 143 days ago
- Cash to assume
- $112,965
- Payment if assumed
- $545/mo
- Saves vs 7.36% today
- $297/mo
-
2.375% from loan recordsFHA loan, recorded Jan 2021
425 E 31st St, Savannah 31401
$479,900 · 3 bd · 2 ba · 1,326 sq ft · House · built 2007 · listed 23 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsVA loan, recorded Jan 2022
1 Tarrow Ridge Rd, Savannah 31411
$1,395,000 · 4 bd · 4 ba · 3,953 sq ft · House · built 2004 · listed 62 days ago
Cash to assume and monthly savings: Pro
-
2.462% from loan recordsVA loan, recorded Jan 2021
1714 E 39th St, Savannah 31404
$310,000 · 4 bd · 2 ba · 1,580 sq ft · Multi-family · built 1940 · listed 60 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2020
24 Rivermoor Ct, Savannah 31407
$239,900 · 2 bd · 2 ba · 1,185 sq ft · House · built 2010 · listed 34 days ago
Cash to assume and monthly savings: Pro
Homes in other Chatham County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 29 Springwater Dr (may be off market) | Port Wentworth | $330,000 | 4 | 3.249% | FHA |
| 505 Lakeside Blvd | Port Wentworth | $329,500 | 3 | ≈3.62% | VA |
| 227 Clearwater Cir | Port Wentworth | $365,000 | 3 | 3.625% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Chatham 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.