Georgia › DeKalb County › Lithonia
Homes for sale with assumable mortgages in Lithonia, GA
15 homes for sale in Lithonia 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.
- 15homes
- 6under 3%
- 2.25%lowest rate
- $93,790median cash to assume
- $374/momedian savings vs 7.36%
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Lowest-rate homes in Lithonia
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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
-
2.5% from loan recordsFHA loan, recorded Dec 2020
6907 Rogers Pt, Lithonia 30058
$239,900 · 3 bd · 2 ba · 1,728 sq ft · House · listed 129 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Nov 2020
5744 Salem Rd, Lithonia 30038
$229,990 · 4 bd · 3 ba · 2,237 sq ft · House · listed 142 days ago
Cash to assume and monthly savings: Pro
-
≈2.87% estimateFHA loan, recorded Jul 2021
2023 Wellborn Rd, Lithonia 30058
$148,000 · 3 bd · 2 ba · 1,526 sq ft · House · listed 176 days ago
Cash to assume and monthly savings: Pro
-
≈3.08% estimateFHA loan, recorded Mar 2021
7590 Summer Berry Ln, Lithonia 30038
$255,000 · 3 bd · 2 ba · 1,550 sq ft · House · listed 159 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Oct 2020
1942 Pittston Farm Rd, Lithonia 30058
$324,900 · 4 bd · 2 ba · 2,345 sq ft · House · built 2001 · listed 5 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jun 2020
3525 Portsmouth Cir, Lithonia 30038
$312,900 · 4 bd · 2 ba · 2,144 sq ft · House · listed 37 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Dec 2021
6317 Redan Sq, Lithonia 30058
$260,000 · 3 bd · 2 ba · 1,562 sq ft · House · listed 37 days ago
Cash to assume and monthly savings: Pro
All 15 homes in Lithonia
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4742 Shire Dr | $430,000 | 5 | 2.25% | VA |
| 7103 Gladstone Cir (may be off market) | $325,000 | 3 | 2.375% | FHA |
| 6907 Rogers Pt | $239,900 | 3 | 2.5% | FHA |
| 5744 Salem Rd | $229,990 | 4 | 2.75% | FHA |
| 2023 Wellborn Rd | $148,000 | 3 | ≈2.87% | FHA |
| 5358 Brooklands Dr (may be off market) | $281,000 | 3 | 2.875% | FHA |
| 7539 Knoll Hollow Rd (may be off market) | $299,800 | 3 | 3% | FHA |
| 7590 Summer Berry Ln | $255,000 | 3 | ≈3.08% | FHA |
| 6238 Phillips Lake Cv (may be off market) | $233,900 | 4 | 3.125% | FHA |
| 1942 Pittston Farm Rd | $324,900 | 4 | 3.125% | FHA |
| 3525 Portsmouth Cir | $312,900 | 4 | 3.25% | FHA |
| 6317 Redan Sq | $260,000 | 3 | 3.375% | FHA |
| 5129 Buchli Crest Ct | $268,000 | 4 | 3.75% | FHA |
| 4247 Sawgrass Dr (may be off market) | $370,000 | 4 | 3.75% | FHA |
| 3408 Lakeview Lndg | $405,000 | 3 | 4% | 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 Lithonia
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) · Decatur (10) · 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.