Georgia › Coweta County
Homes for sale with assumable mortgages in Coweta County, GA
22 homes for sale in Coweta 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.
- 22homes
- 11under 3%
- 2.25%lowest rate
- $205,141median cash to assume
- $474/momedian savings vs 7.36%
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Cities
Also in Coweta County: Grantville, Sharpsburg.
Lowest-rate homes in Coweta County
-
2.25% from loan recordsVA loan, recorded Jan 2021
250 Wet Stone Rd, Senoia 30276
$599,000 · 4 bd · 3 ba · 2,977 sq ft · House · built 2020 · listed 61 days ago
- Cash to assume
- $426,806
- Payment if assumed
- $768/mo
- Saves vs 7.36% today
- $419/mo
-
2.25% from loan recordsFHA loan, recorded Jan 2021
1329 Standing Rock Rd, Senoia 30276
$822,000 · 3 bd · 2 ba · 2,032 sq ft · House · built 1925 · listed 137 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsVA loan, recorded Jan 2021
10 Chemin Pl, Sharpsburg 30277
$382,000 · 3 bd · 2 ba · 1,529 sq ft · House · built 1996 · listed 8 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsFHA loan, recorded Jan 2021
45 Filson Dr, Senoia 30276
$499,000 · 5 bd · 3 ba · 3,268 sq ft · House · built 2020 · listed 29 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2020
14 Willow Bend Cir, Senoia 30276
$499,900 · 5 bd · 3 ba · 2,360 sq ft · House · built 2005 · listed 12 days ago
Cash to assume and monthly savings: Pro
Homes in other Coweta County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 10 Chemin Pl | Sharpsburg | $382,000 | 3 | 2.375% | VA |
| 103 Pacific Ave | Sharpsburg | $499,000 | 5 | 2.875% | FHA |
| 141 N Meadows Ridge Dr | Grantville | $320,000 | 3 | 3.625% | FHA |
How assuming a mortgage works in Coweta 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.