Georgia › Clayton County › Hampton
Homes for sale with assumable mortgages in Hampton, GA
11 homes for sale in Hampton 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
- 4under 3%
- 2.5%lowest rate
- $122,956median cash to assume
- $433/momedian savings vs 7.36%
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Lowest-rate homes in Hampton
-
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
-
2.875% from loan recordsVA loan, recorded Sep 2021
140 Revolutionary Dr, Hampton 30228
$290,000 · 3 bd · 2 ba · 2,180 sq ft · House · listed 137 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded May 2020
613 Oakville Trl, Hampton 30228
$438,900 · 5 bd · 3 ba · 4,370 sq ft · House · listed 73 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Dec 2020
125 Kevins Dr, Hampton 30228
$305,000 · 3 bd · 2 ba · 1,799 sq ft · House · built 2000 · listed 16 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Oct 2021
807 Ridgeview Ct, Hampton 30228
$433,900 · 4 bd · 3 ba · 3,070 sq ft · House · listed 150 days ago
Cash to assume and monthly savings: Pro
-
4.125% from loan recordsFHA loan, recorded Mar 2022
1402 Stone Ridge Ct, Hampton 30228
$365,000 · 4 bd · 2 ba · 3,291 sq ft · House · listed 33 days ago
Cash to assume and monthly savings: Pro
-
4.25% from loan recordsFHA loan, recorded Apr 2020
9 Dogwood Rdg, Hampton 30228
$269,000 · 3 bd · 2 ba · 1,379 sq ft · House · listed 83 days ago
Cash to assume and monthly savings: Pro
All 11 homes in Hampton
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 399 Toronto Cir | $324,000 | 5 | 2.5% | VA |
| 140 Revolutionary Dr | $290,000 | 3 | 2.875% | VA |
| 482 Panhandle Pl (may be off market) | $324,900 | 5 | ≈2.98% | VA |
| 613 Oakville Trl | $438,900 | 5 | 2.99% | FHA |
| 125 Kevins Dr | $305,000 | 3 | 3.125% | FHA |
| 570 Oakville Trl (may be off market) | $390,000 | 5 | 3.125% | FHA |
| 807 Ridgeview Ct | $433,900 | 4 | 3.375% | FHA |
| 411 Toronto Cir (may be off market) | $340,000 | 5 | 3.75% | VA |
| 1402 Stone Ridge Ct | $365,000 | 4 | 4.125% | FHA |
| 110 Canal St (may be off market) | $495,000 | 5 | ≈4.17% | VA |
| 9 Dogwood Rdg | $269,000 | 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 Hampton
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 Clayton County (33 homes) · Jonesboro (14) · Ellenwood (7)
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.