Georgia › Columbia County › Grovetown
Homes for sale with assumable mortgages in Grovetown, GA
25 homes for sale in Grovetown 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.
- 25homes
- 19under 3%
- 2.25%lowest rate
- $96,324median cash to assume
- $452/momedian savings vs 7.36%
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Lowest-rate homes in Grovetown
-
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
-
2.5% from loan recordsVA loan, recorded Jan 2021
4611 Marthas Way, Grovetown 30813
$308,999 · 4 bd · 2 ba · 2,536 sq ft · House · built 2000 · listed 100 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsVA loan, recorded Jan 2021
1028 Lancaster Way, Grovetown 30813
$329,900 · 4 bd · 2 ba · 2,396 sq ft · House · built 2012 · listed 101 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Jan 2020
8663 Crenshaw Dr, Grovetown 30813
$599,900 · 6 bd · 5 ba · 6,100 sq ft · House · built 2017 · listed 44 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Jan 2022
1272 Cobblefield Dr, Grovetown 30813
$315,000 · 4 bd · 2 ba · 2,391 sq ft · House · built 2022 · listed 54 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
904 Inman Dr, Grovetown 30813
$379,900 · 5 bd · 3 ba · 3,148 sq ft · House · built 2014 · listed 45 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
544 Vinings Dr, Grovetown 30813
$250,000 · 2 bd · 2 ba · 1,400 sq ft · House · built 2021 · listed 59 days ago
Cash to assume and monthly savings: Pro
All 25 homes in Grovetown
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4028 Stowe Dr | $435,000 | 7 | 2.25% | VA |
| 4536 Country Glen Cir | $287,000 | 3 | 2.375% | VA |
| 4611 Marthas Way | $308,999 | 4 | 2.5% | VA |
| 1028 Lancaster Way | $329,900 | 4 | 2.5% | VA |
| 1272 Cobblefield Dr | $315,000 | 4 | 2.625% | VA |
| 8663 Crenshaw Dr | $599,900 | 6 | 2.625% | VA |
| 544 Vinings Dr | $250,000 | 2 | ≈2.74% | VA |
| 111 Tyler St | $269,900 | 4 | ≈2.74% | VA |
| 1959 Toccoa Fls | $285,000 | 3 | ≈2.74% | VA |
| 473 Riley Ln | $290,000 | 3 | ≈2.74% | VA |
| 616 Speith Dr (may be off market) | $349,900 | 4 | ≈2.74% | VA |
| 904 Inman Dr | $379,900 | 5 | ≈2.74% | VA |
| 523 Brigadier Lndg | $420,000 | 6 | ≈2.74% | VA |
| 993 Raghorn Rd | $325,000 | 5 | 2.75% | FHA |
| 4031 Ellington Dr | $399,900 | 5 | 2.75% | VA |
| 406 Saterlee Ct | $399,900 | 5 | 2.75% | VA |
| 1226 Sambar Cir | $465,000 | 5 | 2.75% | VA |
| 432 Millwater Ct | $220,000 | 3 | 2.875% | FHA |
| 152 Swinton Pond Rd | $270,000 | 3 | 2.875% | VA |
| 226 Claudia Dr | $279,900 | 3 | 3.25% | FHA |
| 984 Raghorn Rd | $349,000 | 4 | ≈3.45% | VA |
| 424 Roebuck Pass | $364,999 | 5 | ≈3.45% | VA |
| 1217 Cobblefield Dr | $275,000 | 3 | ≈3.62% | VA |
| 455 Sebastian Dr | $300,000 | 3 | ≈3.62% | VA |
| 1279 Cobblefield Dr | $364,900 | 4 | 3.99% | 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 Grovetown
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) · Evans (21) · 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.