Georgia › Clayton County › Jonesboro
Homes for sale with assumable mortgages in Jonesboro, GA
14 homes for sale in Jonesboro 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.
- 14homes
- 6under 3%
- 2.74%lowest rate
- $87,564median cash to assume
- $292/momedian savings vs 7.36%
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Lowest-rate homes in Jonesboro
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≈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 Nov 2020
8631 Spivey Village Trl, Jonesboro 30236
$290,000 · 4 bd · 2 ba · House · listed 87 days ago
Cash to assume and monthly savings: Pro
-
≈2.9% estimateFHA loan, recorded Sep 2021
10586 Aspenwood Ct, Jonesboro 30238
$248,000 · 3 bd · 2 ba · 1,534 sq ft · House · listed 139 days ago
Cash to assume and monthly savings: Pro
-
≈2.94% or lowerVA loan, recorded Aug 2020
9175 Fairhaven Pl, Jonesboro 30236
$350,000 · 4 bd · 2.5 ba · 2,776 sq ft · House · listed 118 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded Apr 2020
672 Mill Creek Trl, Jonesboro 30238
$360,000 · 4 bd · 2 ba · 3,920 sq ft · House · built 2019 · listed 13 days ago
Cash to assume and monthly savings: Pro
-
≈3.07% estimateFHA loan, recorded Nov 2021
1141 Gable Ter, Jonesboro 30236
$307,500 · 4 bd · 2.5 ba · 1,970 sq ft · House · listed 59 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jul 2020
1339 Silverstone Trl, Jonesboro 30238
$309,990 · 3 bd · 2.5 ba · 2,056 sq ft · House · listed 100 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jan 2021
7817 Newbury Dr, Jonesboro 30236
$165,000 · 4 bd · 2 ba · 2,158 sq ft · House · built 2007 · listed 3 days ago
Cash to assume and monthly savings: Pro
All 14 homes in Jonesboro
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 1474 Oconnor Dr | $208,000 | 3 | ≈2.74% | FHA |
| 7616 Livingston Dr (may be off market) | $259,900 | 2 | 2.75% | FHA |
| 8631 Spivey Village Trl | $290,000 | 4 | 2.75% | FHA |
| 10586 Aspenwood Ct | $248,000 | 3 | ≈2.9% | FHA |
| 9175 Fairhaven Pl | $350,000 | 4 | ≈2.94% | VA |
| 672 Mill Creek Trl | $360,000 | 4 | 2.99% | FHA |
| 1742 Cardinal Rd (may be off market) | $169,000 | 3 | 3% | FHA |
| 1141 Gable Ter | $307,500 | 4 | ≈3.07% | FHA |
| 1482 Red Briar Way (may be off market) | $215,000 | 3 | ≈3.1% | FHA |
| 1339 Silverstone Trl | $309,990 | 3 | 3.25% | FHA |
| 7817 Newbury Dr | $165,000 | 4 | 3.5% | FHA |
| 1607 Hillview Ave (may be off market) | $335,000 | 6 | 3.875% | FHA |
| 801 S Carter Dr | $189,500 | 3 | 4.125% | VA |
| 909 Forest Pointe Way | $220,000 | 3 | 4.375% | 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 Jonesboro
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) · Hampton (11) · 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.