Georgia › Coweta County › Senoia
Homes for sale with assumable mortgages in Senoia, GA
7 homes for sale in Senoia 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.
- 7homes
- 4under 3%
- 2.25%lowest rate
- $274,767median cash to assume
- $474/momedian savings vs 7.36%
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Lowest-rate homes in Senoia
-
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
-
2.5% 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
-
3.125% from loan recordsFHA loan, recorded Jan 2021
330 Darien Dr, Senoia 30276
$455,000 · 4 bd · 3 ba · 2,827 sq ft · House · built 2021 · listed 79 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
160 Duck Dr, Senoia 30276
$549,000 · 4 bd · 3 ba · 2,605 sq ft · House · built 2018 · listed 19 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsVA loan, recorded Jan 2020
12 Springdale Ct, Senoia 30276
$530,000 · 4 bd · 3 ba · 3,091 sq ft · House · built 2019 · listed 45 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Senoia
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 250 Wet Stone Rd | $599,000 | 4 | 2.25% | VA |
| 1329 Standing Rock Rd | $822,000 | 3 | 2.25% | FHA |
| 45 Filson Dr | $499,000 | 5 | 2.5% | FHA |
| 14 Willow Bend Cir | $499,900 | 5 | 2.625% | FHA |
| 330 Darien Dr | $455,000 | 4 | 3.125% | FHA |
| 160 Duck Dr | $549,000 | 4 | ≈3.62% | VA |
| 12 Springdale Ct | $530,000 | 4 | 3.75% | 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 Senoia
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) · Newnan (12)
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.