Georgia › Cobb County

Homes for sale with assumable mortgages in Cobb County, GA

62 homes for sale in Cobb 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.

62homes
40under 3%
2.25%lowest rate
$181,030median cash to assume
$530/momedian savings vs 7.36%

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Cities

Also in Cobb County: Atlanta, Dallas.

Lowest-rate homes in Cobb County

2.25% from loan recordsVA loan, recorded Jan 2021

4758 Shallow Ridge Rd NE, Kennesaw 30144

$399,900 · 4 bd · 2 ba · 2,320 sq ft · House · built 1987 · listed 16 days ago

Cash to assume
$208,764

Payment if assumed
$853/mo

Saves vs 7.36% today
$465/mo

Details · See on the map · Photos on Zillow
2.25% from loan recordsVA loan, recorded Mar 2021

1222 Eagles Creek Ct NW, Acworth 30101

$875,000 · 6 bd · 4 ba · 5,211 sq ft · House · listed 17 days ago

Cash to assume
$519,753

Payment if assumed
$1,577/mo

Saves vs 7.36% today
$873/mo

Details · See on the map · Photos on Zillow
2.25% from loan recordsVA loan, recorded Mar 2021

5686 Walnut Mill Ln, Powder Springs 30127

$489,990 · 4 bd · 3 ba · 3,188 sq ft · House · listed 52 days ago

Cash to assume
$226,534

Payment if assumed
$1,169/mo

Saves vs 7.36% today
$647/mo

Details · See on the map · Photos on Zillow
2.25% from loan recordsVA loan, recorded Aug 2021

974 Laurel Springs Ln SW, Marietta 30064

$489,000 · 4 bd · 2 ba · 3,105 sq ft · House · listed 75 days ago

Cash to assume
$254,891

Payment if assumed
$1,026/mo

Saves vs 7.36% today
$588/mo

Details · See on the map · Photos on Zillow
2.25% from loan recordsVA loan, recorded Nov 2021

5615 Lavender Farms Rd, Powder Springs 30127

$669,900 · 5 bd · 4 ba · 3,588 sq ft · House · listed 123 days ago

Cash to assume and monthly savings: Pro

Details · See on the map · Photos on Zillow

How assuming a mortgage works in Cobb 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.