Georgia › Cherokee County › Canton
Homes for sale with assumable mortgages in Canton, GA
20 homes for sale in Canton 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.
- 20homes
- 13under 3%
- 2.25%lowest rate
- $260,959median cash to assume
- $521/momedian savings vs 7.36%
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Lowest-rate homes in Canton
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2.25% from loan recordsVA loan, recorded Oct 2020
140 Magnolia Creek Dr, Canton 30115
$450,000 · 3 bd · 2 ba · 2,161 sq ft · House · listed 53 days ago
- Cash to assume
- $305,082
- Payment if assumed
- $652/mo
- Saves vs 7.36% today
- $348/mo
-
2.25% from loan recordsVA loan, recorded Sep 2021
700 Settlers Xing, Canton 30114
$799,000 · 6 bd · 4 ba · 5,751 sq ft · House · listed 65 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% or lowerVA loan, recorded Dec 2020
803 Rocky Ridge Ct, Canton 30114
$899,000 · 5 bd · 5 ba · 5,419 sq ft · House · listed 171 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
118 Celebration Song, Canton 30114
$460,000 · 4 bd · 3 ba · 2,600 sq ft · House · listed 96 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Nov 2021
117 Overlook Ridge Way, Canton 30114
$484,000 · 3 bd · 2 ba · 2,769 sq ft · House · listed 172 days ago
Cash to assume and monthly savings: Pro
-
≈2.83% or lowerVA loan, recorded Oct 2020
731 Midway Ave, Canton 30114
$466,900 · 3 bd · 2 ba · 1,787 sq ft · House · listed 152 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Nov 2021
622 Shadow Moss Ave, Canton 30115
$575,000 · 5 bd · 3 ba · 2,867 sq ft · House · listed 92 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Jul 2021
190 Lori Ln, Canton 30114
$359,900 · 4 bd · 2 ba · 1,588 sq ft · House · listed 125 days ago
Cash to assume and monthly savings: Pro
All 20 homes in Canton
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 140 Magnolia Creek Dr | $450,000 | 3 | 2.25% | VA |
| 700 Settlers Xing | $799,000 | 6 | 2.25% | VA |
| 803 Rocky Ridge Ct | $899,000 | 5 | ≈2.68% | VA |
| 118 Celebration Song | $460,000 | 4 | ≈2.74% | VA |
| 103 Prominence Ct (may be off market) | $420,000 | 3 | 2.75% | VA |
| 117 Overlook Ridge Way | $484,000 | 3 | 2.75% | VA |
| 731 Midway Ave | $466,900 | 3 | ≈2.83% | VA |
| 241 Royal Crescent Ter (may be off market) | $499,270 | 4 | ≈2.84% | VA |
| 190 Lori Ln | $359,900 | 4 | 2.875% | FHA |
| 622 Shadow Moss Ave | $575,000 | 5 | 2.875% | VA |
| 100 Copper Hills Dr (may be off market) | $685,000 | 4 | 2.875% | VA |
| 821 Poplar Ter | $445,000 | 4 | 2.99% | FHA |
| 315 Hill Top Overlook | $599,000 | 4 | 2.99% | FHA |
| 402 Mountain Pt | $825,000 | 6 | ≈3.06% | VA |
| 306 Misty Morning Cir | $699,900 | 4 | ≈3.07% | VA |
| 150 Mill Creek Dr | $459,000 | 5 | 3.125% | FHA |
| 1336 Fate Conn Rd | $546,000 | 4 | ≈3.45% | FHA |
| 350 Gardens Of Harmony Dr | $609,000 | 5 | 3.625% | FHA |
| 127 Stargaze Rdg (may be off market) | $629,000 | 4 | 3.75% | FHA |
| 502 Streamside Pl | $499,900 | 4 | 4% | 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 Canton
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 Cherokee County (34 homes) · Woodstock (11)
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.