Georgia › Cobb County › Smyrna
Homes for sale with assumable mortgages in Smyrna, GA
7 homes for sale in Smyrna 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.
- 7homes
- 5under 3%
- 2.25%lowest rate
- $110,706median cash to assume
- $707/momedian savings vs 7.36%
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Lowest-rate homes in Smyrna
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2.25% from loan recordsVA loan, recorded Jul 2021
32 Rumson Ct SE, Smyrna 30080
$259,900 · 2 bd · 2 ba · 1,282 sq ft · Condo · listed 138 days ago
- Cash to assume
- $129,415
- Payment if assumed
- $573/mo
- Saves vs 7.36% today
- $327/mo
-
2.5% from loan recordsVA loan, recorded Jul 2021
209 Aventine Ln, Smyrna 30082
$407,999 · 3 bd · 3 ba · 1,922 sq ft · House · listed 143 days ago
Cash to assume and monthly savings: Pro
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≈2.84% or lowerVA loan, recorded Aug 2021
1004 Rohner Way, Smyrna 30080
$489,900 · 3 bd · 2 ba · 2,772 sq ft · House · listed 81 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsVA loan, recorded Jun 2021
1857 Belmore St SE, Smyrna 30080
$435,000 · 3 bd · 3 ba · 2,506 sq ft · House · listed 38 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsVA loan, recorded Mar 2022
2784 Bell Dr SE, Smyrna 30080
$525,000 · 3 bd · 3 ba · 2,545 sq ft · House · listed 66 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% estimateFHA loan, recorded Jan 2020
3947 Covey Flush Ct SW # 25, Smyrna 30082
$405,000 · 3 bd · 3 ba · 2,059 sq ft · Condo · listed 38 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Smyrna
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 32 Rumson Ct SE | $259,900 | 2 | 2.25% | VA |
| 209 Aventine Ln | $407,999 | 3 | 2.5% | VA |
| 1004 Rohner Way | $489,900 | 3 | ≈2.84% | VA |
| 310 Spring Heights Ln SE # 3310 (may be off market) | $269,000 | 2 | 2.875% | VA |
| 1857 Belmore St SE | $435,000 | 3 | 2.99% | VA |
| 2784 Bell Dr SE | $525,000 | 3 | 3.375% | VA |
| 3947 Covey Flush Ct SW # 25 | $405,000 | 3 | ≈3.62% | 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 Smyrna
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) · 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.