Georgia › Columbia County › Evans
Homes for sale with assumable mortgages in Evans, GA
21 homes for sale in Evans 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.
- 21homes
- 13under 3%
- 2.499%lowest rate
- $164,624median cash to assume
- $581/momedian savings vs 7.36%
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Lowest-rate homes in Evans
-
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 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
-
2.5% from loan recordsFHA loan, recorded Jan 2021
1007 Dorset Ln, Evans 30809
$399,900 · 4 bd · 3 ba · 3,072 sq ft · House · built 2007 · listed 176 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Jan 2022
681 Tree Top Trl, Evans 30809
$589,900 · 5 bd · 3 ba · 3,654 sq ft · House · built 2019 · listed 4 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
4568 Oxford Dr, Evans 30809
$369,900 · 4 bd · 2 ba · 2,450 sq ft · House · built 1992 · listed 31 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
2531 Traverse Trl, Evans 30809
$430,000 · 4 bd · 3 ba · 2,583 sq ft · House · built 2021 · listed 66 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
205 Hornsby Ln, Evans 30809
$649,900 · 4 bd · 4 ba · 2,640 sq ft · House · built 2020 · listed 66 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2020
1748 Davenport Dr, Evans 30809
$450,000 · 5 bd · 4 ba · 3,167 sq ft · House · built 2020 · listed 33 days ago
Cash to assume and monthly savings: Pro
All 21 homes in Evans
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4035 Acorn Ln | $630,000 | 5 | 2.499% | VA |
| 1007 Dorset Ln | $399,900 | 4 | 2.5% | FHA |
| 2432 Sunflower Dr | $495,000 | 5 | 2.5% | VA |
| 2223 Millshaven Trl (may be off market) | $419,900 | 4 | 2.625% | VA |
| 681 Tree Top Trl | $589,900 | 5 | 2.625% | VA |
| 4568 Oxford Dr | $369,900 | 4 | ≈2.74% | VA |
| 2531 Traverse Trl | $430,000 | 4 | ≈2.74% | VA |
| 205 Hornsby Ln | $649,900 | 4 | ≈2.74% | VA |
| 144 Canton Park Ave | $270,000 | 3 | 2.75% | FHA |
| 563 Bunchgrass St (may be off market) | $375,000 | 4 | 2.75% | VA |
| 224 Bainbridge Dr | $439,900 | 5 | 2.75% | VA |
| 1748 Davenport Dr | $450,000 | 5 | 2.75% | VA |
| 657 Cornerstone Pl | $469,144 | 5 | ≈2.98% | VA |
| 512 Waterford Dr | $349,800 | 4 | 3% | VA |
| 2967 William Few Pkwy (may be off market) | $370,000 | 4 | 3.25% | VA |
| 1606 Davenport Dr | $469,900 | 5 | 3.25% | VA |
| 607 Millstone Dr | $690,000 | 4 | 3.25% | VA |
| 4625 Southwind Rd | $425,000 | 5 | ≈3.62% | VA |
| 930 Bartram Rdg | $600,000 | 5 | ≈3.62% | VA |
| 4437 Roxbury Dr | $235,000 | 3 | 3.625% | FHA |
| 5347 Magnolia Ct | $950,000 | 6 | 3.875% | VA |
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 Evans
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 Columbia County (62 homes) · Grovetown (25) · Martinez (9)
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.