Georgia › DeKalb County
Homes for sale with assumable mortgages in DeKalb County, GA
46 homes for sale in DeKalb 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.
- 46homes
- 22under 3%
- 2.25%lowest rate
- $108,424median cash to assume
- $374/momedian savings vs 7.36%
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Cities
- Lithonia (15)
- Decatur (10)
- Stone Mountain (7)
Also in DeKalb County: Atlanta, Brookhaven, Chamblee, Conley, Dunwoody, Ellenwood.
Lowest-rate homes in DeKalb County
-
2.25% from loan recordsVA loan, recorded Mar 2021
1774 Samantha Bnd, Chamblee 30341
$654,900 · 3 bd · 3 ba · 2,404 sq ft · House · listed 17 days ago
- Cash to assume
- $247,144
- Payment if assumed
- $1,810/mo
- Saves vs 7.36% today
- $1,002/mo
-
2.25% from loan recordsVA loan, recorded Sep 2021
4742 Shire Dr, Lithonia 30038
$430,000 · 5 bd · 4 ba · 4,360 sq ft · House · listed 103 days ago
- Cash to assume
- $140,057
- Payment if assumed
- $1,268/mo
- Saves vs 7.36% today
- $732/mo
-
2.375% from loan recordsFHA loan, recorded Oct 2021
923 Katie Kerr Dr, Decatur 30030
$499,000 · 3 bd · 3 ba · 1,986 sq ft · House · built 2019 · listed 16 days ago
- Cash to assume
- $136,175
- Payment if assumed
- $1,605/mo
- Saves vs 7.36% today
- $897/mo
-
2.49% from loan recordsVA loan, recorded Apr 2021
2368 Fenhurst Pl, Dunwoody 30338
$999,900 · 5 bd · 3 ba · 2,754 sq ft · House · listed 131 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsFHA loan, recorded Oct 2021
4146 Hapsburg Ct, Decatur 30034
$325,000 · 3 bd · 2 ba · 1,978 sq ft · House · listed 31 days ago
Cash to assume and monthly savings: Pro
Homes in other DeKalb County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 1774 Samantha Bnd | Chamblee | $654,900 | 3 | 2.25% | VA |
| 2368 Fenhurst Pl | Dunwoody | $999,900 | 5 | 2.49% | VA |
| 3777 Peachtree Rd NE Apt 214 | Brookhaven | $215,000 | 1 | 2.625% | FHA |
| 1874 Skyfall Cir NE | Brookhaven | $675,000 | 3 | ≈2.81% | VA |
| 1850 Cotillion Dr Unit 3419 | Dunwoody | $212,900 | 1 | 3% | FHA |
| 2088 Cedar Walk Dr | Conley | $315,000 | 3 | 3.25% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in DeKalb 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.
See every Georgia county.
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.