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Homes for sale with assumable mortgages in Martinez, GA
9 homes for sale in Martinez 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.
- 9homes
- 4under 3%
- 2.5%lowest rate
- $159,744median cash to assume
- $342/momedian savings vs 7.36%
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Lowest-rate homes in Martinez
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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
-
≈2.74% or lowerVA loan, recorded Jan 2021
453 Highlands Ct, Martinez 30907
$355,000 · 3 bd · 2 ba · 2,179 sq ft · House · built 1985 · listed 92 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2020
4682 Red Leaf Way, Martinez 30907
$255,000 · 3 bd · 2 ba · 1,837 sq ft · House · built 1986 · listed 121 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2020
4147 Knollcrest Cir N, Martinez 30907
$454,900 · 5 bd · 2 ba · 3,019 sq ft · House · built 1988 · listed 93 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2021
4660 Millhaven Rd, Martinez 30907
$358,500 · 3 bd · 2 ba · 2,292 sq ft · House · built 1987 · listed 72 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jan 2020
137 Fall Line Dr, Martinez 30907
$359,900 · 3 bd · 2 ba · 1,816 sq ft · House · built 1990 · listed 57 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
4653 Millhaven Rd, Martinez 30907
$375,000 · 4 bd · 2 ba · 2,441 sq ft · House · built 1998 · listed 99 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2020
138 Oakridge Dr, Martinez 30907
$295,000 · 4 bd · 2 ba · 1,624 sq ft · House · built 1977 · listed 9 days ago
Cash to assume and monthly savings: Pro
All 9 homes in Martinez
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 203 Stonington Dr | $329,900 | 4 | 2.5% | VA |
| 453 Highlands Ct | $355,000 | 3 | ≈2.74% | VA |
| 4682 Red Leaf Way | $255,000 | 3 | 2.75% | VA |
| 4147 Knollcrest Cir N | $454,900 | 5 | 2.875% | VA |
| 4660 Millhaven Rd | $358,500 | 3 | 3.25% | FHA |
| 137 Fall Line Dr | $359,900 | 3 | 3.5% | FHA |
| 4653 Millhaven Rd | $375,000 | 4 | ≈3.62% | VA |
| 138 Oakridge Dr | $295,000 | 4 | 3.75% | FHA |
| 3954 Willowood Rd | $249,900 | 3 | 4.25% | 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 Martinez
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) · Evans (21)
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.