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Homes for sale with assumable mortgages in Stone Mountain, GA
7 homes for sale in Stone Mountain 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
- 3under 3%
- 2.625%lowest rate
- $134,906median cash to assume
- $502/momedian savings vs 7.36%
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Lowest-rate homes in Stone Mountain
-
2.625% from loan recordsFHA loan, recorded Nov 2020
4383 Legendary St, Stone Mountain 30083
$385,900 · 4 bd · 3 ba · 2,227 sq ft · House · listed 94 days ago
- Cash to assume
- $148,538
- Payment if assumed
- $1,109/mo
- Saves vs 7.36% today
- $528/mo
-
2.75% from loan recordsVA loan, recorded Aug 2021
4296 Morning Vw, Stone Mountain 30083
$375,000 · 3 bd · 2 ba · 1,848 sq ft · House · listed 165 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2021
844 Chapman Cir, Stone Mountain 30088
$206,000 · 3 bd · 2 ba · 1,874 sq ft · House · built 1986 · listed 39 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Apr 2021
1620 Jacobs Way, Stone Mountain 30083
$375,000 · 3 bd · 2 ba · 1,876 sq ft · House · listed 65 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Apr 2020
5267 Mill Way, Stone Mountain 30083
$254,000 · 3 bd · 2 ba · 1,448 sq ft · House · listed 30 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Mar 2021
1837 Treymire Ct, Stone Mountain 30088
$380,000 · 3 bd · 2 ba · 2,411 sq ft · House · listed 31 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Stone Mountain
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4383 Legendary St | $385,900 | 4 | 2.625% | FHA |
| 4296 Morning Vw | $375,000 | 3 | 2.75% | VA |
| 844 Chapman Cir | $206,000 | 3 | 2.875% | VA |
| 1620 Jacobs Way | $375,000 | 3 | 3% | FHA |
| 5267 Mill Way | $254,000 | 3 | 3.125% | FHA |
| 1837 Treymire Ct | $380,000 | 3 | 3.5% | FHA |
| 5192 Mainstreet Park Dr (may be off market) | $270,000 | 3 | 4.375% | VA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Stone Mountain
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) · Decatur (10)
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.