Georgia › Columbia County
Homes for sale with assumable mortgages in Columbia County, GA
62 homes for sale in Columbia 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
- 38under 3%
- 2.25%lowest rate
- $133,621median cash to assume
- $471/momedian savings vs 7.36%
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Cities
Also in Columbia County: Appling, Augusta, Harlem.
Lowest-rate homes in Columbia County
-
2.25% from loan recordsVA loan, recorded Jan 2021
4028 Stowe Dr, Grovetown 30813
$435,000 · 7 bd · 4 ba · 4,862 sq ft · House · built 2013 · listed 58 days ago
- Cash to assume
- $92,496
- Payment if assumed
- $1,528/mo
- Saves vs 7.36% today
- $834/mo
-
2.375% from loan recordsVA loan, recorded Jan 2021
4536 Country Glen Cir, Grovetown 30813
$287,000 · 3 bd · 2 ba · 1,890 sq ft · House · built 2002 · listed 12 days ago
Cash to assume and monthly savings: Pro
-
2.499% from loan recordsVA loan, recorded Jan 2021
4035 Acorn Ln, Evans 30809
$630,000 · 5 bd · 4 ba · 3,526 sq ft · House · built 2021 · listed 178 days ago
- Cash to assume
- $181,290
- Payment if assumed
- $2,058/mo
- Saves vs 7.36% today
- $1,037/mo
-
2.5% from loan recordsVA loan, recorded Jan 2021
203 Stonington Dr, Martinez 30907
$329,900 · 4 bd · 2 ba · 2,315 sq ft · House · built 1992 · listed 17 days ago
- Cash to assume
- $152,227
- Payment if assumed
- $815/mo
- Saves vs 7.36% today
- $410/mo
-
2.5% from loan recordsVA loan, recorded Jan 2022
2432 Sunflower Dr, Evans 30809
$495,000 · 5 bd · 4 ba · 4,470 sq ft · House · built 2012 · listed 23 days ago
Cash to assume and monthly savings: Pro
Homes in other Columbia County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 305 Alabaster Ct | Appling | $2,395,000 | 7 | 2.25% | VA |
| 4169 Waters Edge Ln | Appling | $869,000 | 4 | ≈2.74% | VA |
| 327 Drayton Way | Harlem | $459,900 | 5 | 2.75% | FHA |
| 158 Oliver Hardy Ct (may be off market) | Harlem | $255,000 | 3 | 3.125% | VA |
| 122 Dozier Dr | Harlem | $314,900 | 4 | 3.125% | FHA |
| 215 S Bell St | Harlem | $250,000 | 3 | ≈3.45% | VA |
| 1410 Dunwoody Pl | Appling | $886,000 | 5 | 3.5% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Columbia 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.