Georgia › Coweta County › Newnan
Homes for sale with assumable mortgages in Newnan, GA
12 homes for sale in Newnan 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.
- 12homes
- 5under 3%
- 2.625%lowest rate
- $205,141median cash to assume
- $455/momedian savings vs 7.36%
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Lowest-rate homes in Newnan
-
2.625% from loan recordsVA loan, recorded Oct 2020
775 Vaughn Rd, Newnan 30265
$725,000 · 4 bd · 4 ba · 3,540 sq ft · House · built 2018 · listed 163 days ago
- Cash to assume
- $332,092
- Payment if assumed
- $1,840/mo
- Saves vs 7.36% today
- $869/mo
-
≈2.74% estimateFHA loan, recorded Jan 2021
17 Pillar Pt, Newnan 30265
$440,000 · 4 bd · 2 ba · 2,568 sq ft · House · built 2015 · listed 13 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded May 2021
55 Oak Park Sq, Newnan 30265
$415,000 · 5 bd · 2 ba · 2,220 sq ft · House · built 2001 · listed 9 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2021
35 Paddleboat Ln, Newnan 30263
$1,150,000 · 4 bd · 4 ba · House · built 2017 · listed 16 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2020
12 Delaware Way, Newnan 30265
$484,900 · 4 bd · 2 ba · 2,712 sq ft · House · built 2017 · listed 87 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jan 2021
68 Chastain Cir, Newnan 30263
$260,000 · 3 bd · 2 ba · 1,536 sq ft · Condo · built 2020 · listed 153 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2020
264 Kendall St, Newnan 30263
$459,999 · 4 bd · 3 ba · 3,064 sq ft · House · built 2006 · listed 139 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Jan 2021
120 Hemlock Dr, Newnan 30263
$299,900 · 3 bd · 2 ba · 1,638 sq ft · House · built 2000 · listed 33 days ago
Cash to assume and monthly savings: Pro
All 12 homes in Newnan
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 775 Vaughn Rd | $725,000 | 4 | 2.625% | VA |
| 17 Pillar Pt | $440,000 | 4 | ≈2.74% | FHA |
| 55 Oak Park Sq | $415,000 | 5 | 2.75% | VA |
| 35 Paddleboat Ln | $1,150,000 | 4 | 2.75% | VA |
| 12 Delaware Way | $484,900 | 4 | 2.875% | VA |
| 415 Vanderbilt Pkwy (may be off market) | $989,000 | 4 | 3% | VA |
| 68 Chastain Cir | $260,000 | 3 | 3.125% | FHA |
| 64 Hall Dr (may be off market) | $306,900 | 3 | 3.25% | FHA |
| 264 Kendall St | $459,999 | 4 | 3.25% | FHA |
| 120 Hemlock Dr | $299,900 | 3 | 3.375% | FHA |
| 17 Cliffbriar Ter | $410,000 | 3 | ≈3.62% | VA |
| 46 W Wedgewood Cir (may be off market) | $225,000 | 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 Newnan
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 Coweta County (22 homes) · Senoia (7)
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.