Georgia › DeKalb County › Decatur
Homes for sale with assumable mortgages in Decatur, GA
10 homes for sale in Decatur 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.
- 10homes
- 6under 3%
- 2.375%lowest rate
- $136,175median cash to assume
- $335/momedian savings vs 7.36%
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Lowest-rate homes in Decatur
-
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
-
2.5% 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
-
2.5% from loan recordsVA loan, recorded Mar 2021
1009 Mcclelen Way, Decatur 30033
$229,000 · 2 bd · 1 ba · Condo · listed 101 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Sep 2020
718 E Ponce De Leon Ave, Decatur 30030
$900,000 · 2 ba · 2,380 sq ft · Multi-family · built 1932 · listed 16 days ago
Cash to assume and monthly savings: Pro
-
≈2.89% estimateFHA loan, recorded Sep 2020
3342 Tarian Way, Decatur 30034
$239,900 · 2 bd · 2 ba · 1,656 sq ft · House · listed 62 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded Sep 2020
3662 Tulip Dr, Decatur 30032
$250,000 · 3 bd · 1 ba · 1,136 sq ft · House · built 1957 · listed 17 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsVA loan, recorded Nov 2020
4037 Fireoak Dr, Decatur 30032
$312,500 · 3 bd · 2 ba · 1,938 sq ft · House · listed 174 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Feb 2021
4791 Longview Run, Decatur 30035
$308,990 · 3 bd · 2 ba · 2,166 sq ft · House · listed 121 days ago
Cash to assume and monthly savings: Pro
All 10 homes in Decatur
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 923 Katie Kerr Dr | $499,000 | 3 | 2.375% | FHA |
| 1009 Mcclelen Way | $229,000 | 2 | 2.5% | VA |
| 4146 Hapsburg Ct | $325,000 | 3 | 2.5% | FHA |
| 718 E Ponce De Leon Ave | $900,000 | – | 2.625% | FHA |
| 3342 Tarian Way | $239,900 | 2 | ≈2.89% | FHA |
| 3662 Tulip Dr | $250,000 | 3 | 2.99% | FHA |
| 4037 Fireoak Dr | $312,500 | 3 | 3% | VA |
| 4791 Longview Run | $308,990 | 3 | 3.25% | FHA |
| 3472 Waldrop Trl | $204,900 | 3 | 3.5% | FHA |
| 1973 W Lakeside Dr | $345,000 | 3 | 3.5% | 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 Decatur
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 DeKalb County (46 homes) · Lithonia (15) · Stone Mountain (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.