Georgia › Cherokee County › Ball Ground
Homes for sale with assumable mortgages in Ball Ground, GA
6 homes for sale in Ball Ground where the buyer can take over the seller's FHA or VA 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.
- 6homes
- 4under 3%
- 2.25%lowest rate
- $331,602median cash to assume
- $564/momedian savings vs 7.32%
1 of these homes needs under $100,000 cash to assume. Pro shows which one 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 Ball Ground
-
2.25% from loan recordsVA loan, recorded Mar 2021
1024 Laurel Lake Dr, Ball Ground 30107
$419,900 · 4 bd · 2 ba · 2,844 sq ft · House · listed 86 days ago
- Cash to assume
- $257,150
- Payment if assumed
- $722/mo
- Saves vs 7.32% today
- $396/mo
-
2.375% from loan recordsVA loan, recorded Jan 2021
8805 Saddle Trl, Ball Ground 30107
$700,000 · 6 bd · 4 ba · 2,927 sq ft · House · built 2004 · listed 15 days ago
- Cash to assume
- $401,968
- Payment if assumed
- $1,348/mo
- Saves vs 7.32% today
- $699/mo
-
2.75% from loan recordsFHA loan, recorded Oct 2020
124 Cummings Ct, Ball Ground 30107
$499,900 · 4 bd · 2 ba · 2,580 sq ft · House · listed 149 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.25% from loan recordsFHA loan, recorded Jun 2020
222 S Mountain Brook Way, Ball Ground 30107
$609,900 · 4 bd · 2 ba · 2,439 sq ft · House · listed 24 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
5.25% from loan recordsFHA loan, recorded Jan 2022
107 Nelson Ridge Dr, Ball Ground 30107
$449,900 · 3 bd · 2 ba · 2,147 sq ft · House · built 2005 · listed 29 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 6 homes in Ball Ground
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 1024 Laurel Lake Dr | $419,900 | 4 | 2.25% | VA |
| 8805 Saddle Trl | $700,000 | 6 | 2.375% | VA |
| 124 Cummings Ct | $499,900 | 4 | 2.75% | FHA |
| 1782 Worley Rd | $2,499,900 | 7 | 2.875% | FHA |
| 222 S Mountain Brook Way | $609,900 | 4 | 3.25% | FHA |
| 107 Nelson Ridge Dr | $449,900 | 3 | 5.25% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Ball Ground
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 Cherokee County (39 homes) · Canton (19) · Woodstock (14)
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.