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Homes for sale with assumable mortgages in Acworth, GA
5 homes for sale in Acworth 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.
- 5homes
- 3under 3%
- 2.25%lowest rate
- $147,422median cash to assume
- $776/momedian savings vs 7.36%
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Lowest-rate homes in Acworth
-
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
-
2.25% from loan recordsVA loan, recorded Jan 2021
107 Heatherwood Trce, Acworth 30101
$499,900 · 4 bd · 3 ba · 2,401 sq ft · House · built 2003 · listed 61 days ago
- Cash to assume
- $137,788
- Payment if assumed
- $1,616/mo
- Saves vs 7.36% today
- $882/mo
-
2.5% from loan recordsVA loan, recorded Dec 2020
3608 High Battery Blf NW, Acworth 30101
$398,900 · 3 bd · 2 ba · 1,702 sq ft · House · listed 50 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Sep 2021
4548 Spring Street Ext, Acworth 30101
$305,000 · 2 bd · 1 ba · 1,376 sq ft · House · listed 123 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2022
89 Clubhouse Way, Acworth 30101
$525,000 · 5 bd · 3 ba · 2,860 sq ft · House · built 2021 · listed 167 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Acworth
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 107 Heatherwood Trce | $499,900 | 4 | 2.25% | VA |
| 1222 Eagles Creek Ct NW | $875,000 | 6 | 2.25% | VA |
| 3608 High Battery Blf NW | $398,900 | 3 | 2.5% | VA |
| 4548 Spring Street Ext | $305,000 | 2 | 3% | FHA |
| 89 Clubhouse Way | $525,000 | 5 | 3.25% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Acworth
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 Cobb County (62 homes) · Marietta (22) · Powder Springs (10) · Kennesaw (8) · Smyrna (7) · Mableton (6) · Austell (5)
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.