Georgia › Clayton County
Homes for sale with assumable mortgages in Clayton County, GA
33 homes for sale in Clayton County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 33homes
- 14under 3%
- 2.5%lowest rate
- $98,695median cash to assume
- $349/momedian savings vs 7.36%
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Cities
Also in Clayton County: Fayetteville, Lovejoy, Morrow, Riverdale, Stockbridge.
Lowest-rate homes in Clayton County
-
2.5% from loan recordsVA loan, recorded Sep 2021
399 Toronto Cir, Hampton 30228
$324,000 · 5 bd · 2 ba · 2,372 sq ft · House · listed 83 days ago
- Cash to assume
- $38,443
- Payment if assumed
- $1,284/mo
- Saves vs 7.36% today
- $685/mo
-
2.5% from loan recordsVA loan, recorded Oct 2021
7454 Pine Brook Rd, Stockbridge 30281
$265,000 · 3 bd · 2 ba · 1,770 sq ft · House · listed 110 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% or lowerVA loan, recorded Dec 2020
5263 Carrie Dr, Morrow 30260
$218,500 · 3 bd · 2 ba · 1,644 sq ft · House · listed 61 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
1474 Oconnor Dr, Jonesboro 30236
$208,000 · 3 bd · 2 ba · 1,408 sq ft · House · listed 166 days ago
- Cash to assume
- $75,514
- Payment if assumed
- $624/mo
- Saves vs 7.36% today
- $290/mo
-
2.75% from loan recordsFHA loan, recorded Feb 2021
11812 Registry Blvd, Lovejoy 30228
$269,999 · 4 bd · 3 ba · 2,188 sq ft · House · listed 41 days ago
Cash to assume and monthly savings: Pro
Homes in other Clayton County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 5263 Carrie Dr | Morrow | $218,500 | 3 | ≈2.68% | VA |
| 11812 Registry Blvd | Lovejoy | $269,999 | 4 | 2.75% | FHA |
| 11945 Lovejoy Crossing Way | Lovejoy | $259,000 | 3 | 2.99% | VA |
| 11900 Fuller St | Lovejoy | $215,000 | 3 | ≈3.02% | FHA |
| 490 Durham Xing (may be off market) | Riverdale | $325,000 | 3 | ≈3.1% | VA |
| 11898 Lovejoy Crossing Blvd (may be off market) | Lovejoy | $290,000 | 3 | 3.25% | FHA |
| 6649 Wealthy Ct | Riverdale | $210,000 | 3 | 4.25% | FHA |
| 6566 Melandre Dr (may be off market) | Morrow | $219,500 | 3 | 4.625% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Clayton County
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.
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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.