Georgia › Cobb County › Austell
Homes for sale with assumable mortgages in Austell, GA
5 homes for sale in Austell 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
- 1under 3%
- 2.875%lowest rate
- $182,351median cash to assume
- $466/momedian savings vs 7.36%
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Lowest-rate homes in Austell
-
2.875% from loan recordsVA loan, recorded Apr 2021
5983 Hidden Holm Ln, Austell 30168
$385,000 · 4 bd · 3 ba · House · listed 124 days ago
- Cash to assume
- $182,351
- Payment if assumed
- $961/mo
- Saves vs 7.36% today
- $436/mo
-
3.125% from loan recordsFHA loan, recorded Jan 2021
6989 Oneil Ct, Austell 30168
$428,999 · 4 bd · 3 ba · 2,770 sq ft · House · listed 51 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jul 2021
2061 Westside Dr, Austell 30106
$359,000 · 3 bd · 2 ba · 2,594 sq ft · House · listed 151 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Feb 2020
2734 Double Iron Dr SW, Austell 30106
$525,000 · 5 bd · 3 ba · 2,858 sq ft · House · listed 37 days ago
Cash to assume and monthly savings: Pro
-
4.5% from loan recordsFHA loan, recorded Mar 2022
7165 Blair Chase Ct, Austell 30168
$450,000 · 4 bd · 2 ba · 3,730 sq ft · House · built 2005 · listed 31 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Austell
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 5983 Hidden Holm Ln | $385,000 | 4 | 2.875% | VA |
| 2061 Westside Dr | $359,000 | 3 | 3.125% | FHA |
| 6989 Oneil Ct | $428,999 | 4 | 3.125% | FHA |
| 2734 Double Iron Dr SW | $525,000 | 5 | 3.375% | FHA |
| 7165 Blair Chase Ct | $450,000 | 4 | 4.5% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Austell
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) · Acworth (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.