Georgia › Chatham County › Savannah
Homes for sale with assumable mortgages in Savannah, GA
29 homes for sale in Savannah 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.
- 29homes
- 15under 3%
- 2.25%lowest rate
- $155,387median cash to assume
- $377/momedian savings vs 7.36%
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Lowest-rate homes in Savannah
-
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
-
≈2.74% or lowerVA loan, recorded Jan 2021
54 Hartland Ct, Savannah 31407
$339,990 · 4 bd · 2 ba · 2,247 sq ft · House · built 2018 · listed 38 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
5 Capella Cir, Savannah 31419
$450,000 · 5 bd · 3 ba · 3,520 sq ft · House · built 2009 · listed 40 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
35 Cutler Dr, Savannah 31419
$289,900 · 3 bd · 2 ba · 1,392 sq ft · House · built 1994 · listed 129 days ago
Cash to assume and monthly savings: Pro
All 29 homes in Savannah
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 42 Stonelake Cir | $235,000 | 3 | 2.25% | FHA |
| 425 E 31st St | $479,900 | 3 | 2.375% | FHA |
| 1 Tarrow Ridge Rd | $1,395,000 | 4 | 2.375% | VA |
| 1714 E 39th St | $310,000 | 4 | 2.462% | VA |
| 24 Rivermoor Ct | $239,900 | 2 | 2.625% | FHA |
| 35 Cutler Dr | $289,900 | 3 | ≈2.74% | VA |
| 54 Hartland Ct | $339,990 | 4 | ≈2.74% | VA |
| 5 Capella Cir | $450,000 | 5 | ≈2.74% | VA |
| 217 Wiley Bottom Rd (may be off market) | $769,900 | 2 | ≈2.74% | VA |
| 26 W 54th St | $199,900 | 3 | 2.75% | VA |
| 213 Chippewa Dr | $349,900 | 4 | 2.75% | VA |
| 166 Moor Hen Lndg (may be off market) | $700,000 | 5 | 2.75% | FHA |
| 223 E 64th St | $525,000 | 2 | 2.875% | VA |
| 9231 Garland Dr | $299,900 | 3 | 2.99% | FHA |
| 303 E 60th St | $450,000 | 3 | 2.999% | FHA |
| 92 Hidden Lake Ct (may be off market) | $211,800 | 2 | 3% | FHA |
| 133 Peters Quay | $599,900 | 3 | 3% | FHA |
| 27 Villas Of Garrard Dr | $259,000 | 3 | 3.125% | FHA |
| 15 Hidden Lake Ct | $199,700 | 2 | 3.25% | VA |
| 77 Red Fox Dr | $295,000 | 3 | 3.25% | VA |
| 10 Hartland Ct (may be off market) | $299,999 | 3 | 3.25% | FHA |
| 2332 E 41st St | $368,900 | 3 | 3.25% | FHA |
| 5906 Garrard Ave (may be off market) | $394,500 | 3 | 3.25% | FHA |
| 107 W 31st Ln | $509,900 | 3 | 3.375% | VA |
| 1908 Comet Ave (may be off market) | $245,000 | 4 | ≈3.45% | FHA |
| 64 Dunnoman Dr | $349,000 | 4 | ≈3.45% | FHA |
| 6 Whispering Oaks Trl | $479,000 | 4 | ≈3.62% | VA |
| 22 Headlands Ct | $442,000 | 5 | 3.625% | FHA |
| 21 Little Comfort Rd | $1,995,000 | 5 | 3.625% | VA |
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 Savannah
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) · Pooler (6)
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.