Georgia › Cobb County › Kennesaw
Homes for sale with assumable mortgages in Kennesaw, GA
8 homes for sale in Kennesaw 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.
- 8homes
- 6under 3%
- 2.25%lowest rate
- $181,030median cash to assume
- $495/momedian savings vs 7.36%
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Lowest-rate homes in Kennesaw
-
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
-
2.5% from loan recordsFHA loan, recorded Mar 2021
1219 Gates Mill Dr NW # 15, Kennesaw 30144
$289,900 · 2 bd · 2 ba · 1,793 sq ft · Condo · listed 90 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Dec 2020
1199 Mountainside Trce NW, Kennesaw 30152
$499,900 · 5 bd · 4 ba · 3,174 sq ft · House · listed 101 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jul 2020
4728 Talleybrook Dr NW, Kennesaw 30152
$960,000 · 6 bd · 4 ba · 5,837 sq ft · House · built 1993 · listed 73 days ago
Cash to assume and monthly savings: Pro
-
≈2.77% or lowerVA loan, recorded Nov 2020
4370 Laurian Dr NW, Kennesaw 30144
$399,000 · 4 bd · 3 ba · 3,083 sq ft · House · listed 48 days ago
Cash to assume and monthly savings: Pro
-
≈2.81% or lowerVA loan, recorded Feb 2021
1454 Dolcetto Trce NW # 17, Kennesaw 30152
$319,000 · 4 bd · 3 ba · 2,008 sq ft · Condo · listed 82 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jul 2020
2541 Gabriel Way NW, Kennesaw 30152
$435,000 · 4 bd · 2 ba · 2,260 sq ft · House · listed 24 days ago
Cash to assume and monthly savings: Pro
All 8 homes in Kennesaw
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4758 Shallow Ridge Rd NE | $399,900 | 4 | 2.25% | VA |
| 1219 Gates Mill Dr NW # 15 | $289,900 | 2 | 2.5% | FHA |
| 1199 Mountainside Trce NW | $499,900 | 5 | 2.625% | VA |
| 4728 Talleybrook Dr NW | $960,000 | 6 | 2.75% | VA |
| 4370 Laurian Dr NW | $399,000 | 4 | ≈2.77% | VA |
| 1454 Dolcetto Trce NW # 17 | $319,000 | 4 | ≈2.81% | VA |
| 926 W Mill Trce NW (may be off market) | $395,000 | 3 | ≈3.07% | FHA |
| 2541 Gabriel Way NW | $435,000 | 4 | 3.125% | 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 Kennesaw
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) · Smyrna (7) · Mableton (6) · Acworth (5) · 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.