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Homes for sale with assumable mortgages in Athens, GA
5 homes for sale in Athens where the buyer can take over the seller's FHA 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.
- 5homes
- 1under 3%
- 2.375%lowest rate
- $138,353median cash to assume
- $211/momedian savings vs 7.36%
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Lowest-rate homes in Athens
-
2.375% from loan recordsFHA loan, recorded Jan 2021
6 Sandy Springs Dr, Athens 30601
$250,000 · 2 bd · 2 ba · 1,280 sq ft · House · built 1982 · listed 57 days ago
- Cash to assume
- $129,584
- Payment if assumed
- $545/mo
- Saves vs 7.36% today
- $286/mo
-
3.625% from loan recordsFHA loan, recorded Jan 2020
254 Wiltshire Dr, Athens 30605
$385,000 · 3 bd · 2 ba · 3,148 sq ft · House · built 1966 · listed 5 days ago
- Cash to assume
- $252,167
- Payment if assumed
- $705/mo
- Saves vs 7.36% today
- $211/mo
-
4.5% from loan recordsFHA loan, recorded Jan 2020
347 Morning Dr, Athens 30606
$312,000 · 3 bd · 2 ba · 1,848 sq ft · House · built 2019 · listed 29 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Athens
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 6 Sandy Springs Dr | $250,000 | 2 | 2.375% | FHA |
| 560 Rosa Nell Howard St (may be off market) | $410,000 | 4 | 3.25% | FHA |
| 254 Wiltshire Dr | $385,000 | 3 | 3.625% | FHA |
| 130 Logmont Trce (may be off market) | $250,000 | 2 | 3.75% | FHA |
| 347 Morning Dr | $312,000 | 3 | 4.5% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Athens
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 Clarke County (4 homes)
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.