Georgia › Chatham County › Pooler
Homes for sale with assumable mortgages in Pooler, GA
6 homes for sale in Pooler 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.
- 6homes
- 1under 3%
- 2.74%lowest rate
- $192,611median cash to assume
- $420/momedian savings vs 7.36%
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Lowest-rate homes in Pooler
-
≈2.74% or lowerVA loan, recorded Jan 2021
905 Brighton Way, Pooler 31322
$349,900 · 3 bd · 2 ba · 1,605 sq ft · House · built 1989 · listed 72 days ago
- Cash to assume
- $219,377
- Payment if assumed
- $614/mo
- Saves vs 7.36% today
- $286/mo
-
3.25% from loan recordsFHA loan, recorded Jan 2021
128 Benelli Dr, Pooler 31322
$285,000 · 3 bd · 2 ba · 1,654 sq ft · House · built 2021 · listed 34 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
86 Coopers Ln, Pooler 31322
$339,900 · 4 bd · 2 ba · 2,224 sq ft · House · built 2010 · listed 163 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsVA loan, recorded Jan 2022
37 Hamilton Grove Dr, Pooler 31322
$309,900 · 3 bd · 2 ba · 1,720 sq ft · House · built 2005 · listed 104 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsVA loan, recorded Jan 2020
165 Martello Rd, Pooler 31322
$488,500 · 4 bd · 3 ba · 2,478 sq ft · House · built 2017 · listed 114 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Pooler
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 905 Brighton Way | $349,900 | 3 | ≈2.74% | VA |
| 128 Benelli Dr | $285,000 | 3 | 3.25% | FHA |
| 86 Coopers Ln | $339,900 | 4 | ≈3.62% | VA |
| 37 Hamilton Grove Dr | $309,900 | 3 | 3.625% | VA |
| 165 Martello Rd | $488,500 | 4 | 3.625% | VA |
| 141 Mallory Pl (may be off market) | $464,500 | 5 | 4.125% | 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 Pooler
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 Chatham County (38 homes) · Savannah (29)
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.