Georgia › Cherokee County › Woodstock
Homes for sale with assumable mortgages in Woodstock, GA
11 homes for sale in Woodstock 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.
- 11homes
- 2under 3%
- 2.25%lowest rate
- $219,824median cash to assume
- $428/momedian savings vs 7.36%
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Lowest-rate homes in Woodstock
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2.25% from loan recordsFHA loan, recorded Feb 2021
309 Horseshoe Bnd, Woodstock 30189
$499,000 · 4 bd · 2 ba · 2,158 sq ft · House · listed 21 days ago
- Cash to assume
- $216,480
- Payment if assumed
- $1,257/mo
- Saves vs 7.36% today
- $691/mo
-
3.125% from loan recordsFHA loan, recorded Jan 2021
185 Regent Pl, Woodstock 30188
$345,000 · 3 bd · 2 ba · 1,589 sq ft · House · built 2002 · listed 6 days ago
Cash to assume and monthly savings: Pro
-
≈3.31% or lowerVA loan, recorded Apr 2020
303 Gantt Trce, Woodstock 30188
$459,000 · 3 bd · 2 ba · 2,004 sq ft · House · listed 86 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsVA loan, recorded Jan 2020
307 Cornerstone Trce, Woodstock 30188
$559,800 · 3 bd · 2 ba · 3,900 sq ft · House · listed 143 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jun 2021
926 Allatoona Rd, Woodstock 30189
$525,000 · 4 bd · 2 ba · 2,584 sq ft · House · listed 115 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2022
1206 Red Fox Cir, Woodstock 30188
$654,321 · 3 bd · 2 ba · 3,308 sq ft · House · built 1995 · listed 5 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsVA loan, recorded Jan 2020
402 Township Ln, Woodstock 30189
$450,000 · 4 bd · 3 ba · 2,678 sq ft · House · listed 140 days ago
Cash to assume and monthly savings: Pro
-
4.25% from loan recordsFHA loan, recorded May 2020
296 Hiawassee Dr, Woodstock 30188
$352,500 · 3 bd · 2 ba · 1,658 sq ft · House · listed 49 days ago
Cash to assume and monthly savings: Pro
All 11 homes in Woodstock
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 309 Horseshoe Bnd | $499,000 | 4 | 2.25% | FHA |
| 315 Pinewood Dr (may be off market) | $395,000 | 3 | ≈2.68% | VA |
| 905 Habersham Ct (may be off market) | $499,000 | 5 | 3% | FHA |
| 185 Regent Pl | $345,000 | 3 | 3.125% | FHA |
| 303 Gantt Trce | $459,000 | 3 | ≈3.31% | VA |
| 307 Cornerstone Trce | $559,800 | 3 | 3.375% | VA |
| 926 Allatoona Rd | $525,000 | 4 | 3.5% | FHA |
| 1039 Avery Creek Dr (may be off market) | $698,400 | 6 | 3.625% | FHA |
| 402 Township Ln | $450,000 | 4 | 3.75% | VA |
| 1206 Red Fox Cir | $654,321 | 3 | 3.75% | FHA |
| 296 Hiawassee Dr | $352,500 | 3 | 4.25% | 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 Woodstock
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) · Canton (20)
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.