Georgia › Douglas County
Homes for sale with assumable mortgages in Douglas County, GA
27 homes for sale in Douglas 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.
- 27homes
- 14under 3%
- 2.25%lowest rate
- $135,254median cash to assume
- $452/momedian savings vs 7.36%
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Cities
- Douglasville (22)
Also in Douglas County: Lithia Springs, Villa Rica, Winston.
Lowest-rate homes in Douglas County
-
2.25% from loan recordsVA loan, recorded Oct 2020
9667 Ephesus Church Rd, Villa Rica 30180
$1,425,000 · 4 bd · 4 ba · 5,792 sq ft · House · listed 61 days ago
- Cash to assume
- $1,013,162
- Payment if assumed
- $1,852/mo
- Saves vs 7.36% today
- $988/mo
-
2.25% from loan recordsVA loan, recorded Feb 2022
5601 Fox Glove Ct, Douglasville 30135
$589,900 · 5 bd · 3 ba · 3,754 sq ft · House · listed 74 days ago
- Cash to assume
- $153,534
- Payment if assumed
- $1,884/mo
- Saves vs 7.36% today
- $1,125/mo
-
2.595% from loan recordsFHA loan, recorded Oct 2021
4866 Jennifer Ln, Douglasville 30135
$345,000 · 3 bd · 2 ba · 2,788 sq ft · House · listed 72 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2021
7988 Dawson Ln, Douglasville 30134
$350,000 · 3 bd · 2 ba · 1,916 sq ft · House · built 2019 · listed 6 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% estimateFHA loan, recorded Dec 2020
4944 Bridle Run Trl, Douglasville 30135
$299,500 · 3 bd · 2 ba · 1,924 sq ft · House · listed 89 days ago
Cash to assume and monthly savings: Pro
Homes in other Douglas County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 3507 Summerlin Pkwy (may be off market) | Lithia Springs | $390,000 | 4 | 2.625% | FHA |
| 8710 Wolf Creek Dr | Winston | $395,000 | 7 | 2.75% | VA |
| 785 Old Beulah Rd | Lithia Springs | $285,000 | 3 | 3% | FHA |
| 8864 St Andrews Pkwy | Winston | $375,000 | 4 | 3.125% | FHA |
| 9152 Dover St | Lithia Springs | $479,900 | 5 | 3.25% | FHA |
| 2361 Skyline Ridge Dr | Lithia Springs | $350,000 | 4 | 3.625% | FHA |
How assuming a mortgage works in Douglas 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.
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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.