Georgia › Clayton County › Riverdale
Homes for sale with assumable mortgages in Riverdale, GA
7 homes for sale in Riverdale where the buyer can take over the seller's FHA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Today's average 30-year rate is 7.32%. Updated October 28, 2026.
- 7homes
- 3under 3%
- 2.375%lowest rate
- $100,530median cash to assume
- $241/momedian savings vs 7.32%
1 of these homes needs under $50,000 cash to assume. Pro shows which one and sorts every home by the cash it takes: $19 a month or $45 for 90 days.
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Lowest-rate homes in Riverdale
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2.375% from loan recordsFHA loan, recorded Jan 2020
158 Ashwood Ct, Riverdale 30274
$185,000 · 3 bd · 2 ba · 1,028 sq ft · House · built 1980 · listed 5 days ago
- Cash to assume
- $75,452
- Payment if assumed
- $511/mo
- Saves vs 7.32% today
- $241/mo
-
2.875% from loan recordsFHA loan, recorded Oct 2021
330 Dressage Ct, Riverdale 30296
$255,000 · 4 bd · 2 ba · 1,652 sq ft · House · listed 154 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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≈2.89% estimateFHA loan, recorded Sep 2020
6051 Oak Bend Ct, Riverdale 30296
$249,900 · 3 bd · 2 ba · 1,530 sq ft · Townhouse · listed 33 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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3.625% from loan recordsFHA loan, recorded Jun 2020
1393 Amaryllis Way, Riverdale 30296
$300,000 · 4 bd · 2 ba · 2,020 sq ft · House · listed 65 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
4.25% from loan recordsFHA loan, recorded Jan 2020
6649 Wealthy Ct, Riverdale 30274
$210,000 · 3 bd · 2 ba · 1,411 sq ft · House · listed 44 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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4.875% from loan recordsFHA loan, recorded Jul 2022
6900 Oswego Trl, Riverdale 30296
$299,000 · 3 bd · 2 ba · 2,161 sq ft · House · built 1974 · listed 110 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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5.625% from loan recordsFHA loan, recorded Jun 2022
124 Heathrow Dr, Riverdale 30274
$255,000 · 4 bd · 2 ba · 1,980 sq ft · House · built 1991 · listed 88 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 7 homes in Riverdale
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 158 Ashwood Ct | $185,000 | 3 | 2.375% | FHA |
| 330 Dressage Ct | $255,000 | 4 | 2.875% | FHA |
| 6051 Oak Bend Ct | $249,900 | 3 | ≈2.89% | FHA |
| 1393 Amaryllis Way | $300,000 | 4 | 3.625% | FHA |
| 6649 Wealthy Ct | $210,000 | 3 | 4.25% | FHA |
| 6900 Oswego Trl | $299,000 | 3 | 4.875% | FHA |
| 124 Heathrow Dr | $255,000 | 4 | 5.625% | 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 Riverdale
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, but VA sellers strongly prefer a veteran buyer. If you aren't one, the seller's VA entitlement stays tied to the loan, on a house they no longer own, until it's paid off, and that limits their next VA loan. Expect a seller to hold out for a veteran or want something for it. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation. Why entitlement matters.
- 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 (34 homes) · Jonesboro (15) · Hampton (9)
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.