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Homes for sale with assumable mortgages in Douglasville, GA
22 homes for sale in Douglasville 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.
- 22homes
- 14under 3%
- 2.25%lowest rate
- $135,254median cash to assume
- $449/momedian savings vs 7.36%
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Lowest-rate homes in Douglasville
-
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
-
2.5% from loan recordsVA loan, recorded Jan 2021
468 Sweetwater Church Rd, Douglasville 30134
$1,300,000 · 4 bd · 3 ba · 3,591 sq ft · House · built 1997 · listed 76 days ago
Cash to assume and monthly savings: Pro
-
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
-
≈2.74% or lowerVA loan, recorded Jan 2021
33 Column Ct, Douglasville 30134
$400,000 · 3 bd · 2 ba · 1,928 sq ft · House · built 2002 · listed 88 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2022
4685 Mill Water Xing, Douglasville 30135
$435,990 · 4 bd · 2 ba · 2,822 sq ft · House · listed 39 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
29 Oakridge Ct, Douglasville 30134
$349,999 · 3 bd · 2 ba · 1,994 sq ft · House · built 2003 · listed 66 days ago
Cash to assume and monthly savings: Pro
All 22 homes in Douglasville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 5601 Fox Glove Ct | $589,900 | 5 | 2.25% | VA |
| 4415 Hidden Branch Dr (may be off market) | $230,000 | 3 | 2.5% | FHA |
| 468 Sweetwater Church Rd | $1,300,000 | 4 | 2.5% | VA |
| 4866 Jennifer Ln | $345,000 | 3 | 2.595% | FHA |
| 7988 Dawson Ln | $350,000 | 3 | 2.625% | FHA |
| 4944 Bridle Run Trl | $299,500 | 3 | ≈2.68% | FHA |
| 33 Column Ct | $400,000 | 3 | ≈2.74% | VA |
| 29 Oakridge Ct | $349,999 | 3 | 2.75% | FHA |
| 4685 Mill Water Xing | $435,990 | 4 | 2.75% | VA |
| 6558 Apache Ln | $215,000 | 3 | ≈2.77% | FHA |
| 6570 Snowbird Ln | $260,000 | 4 | 2.875% | FHA |
| 8414 Hillspire Dr | $372,000 | 4 | 2.875% | FHA |
| 5818 Wild Herrin Trl (may be off market) | $724,900 | 3 | ≈2.94% | VA |
| 3691 Monticello St | $340,999 | 4 | 2.99% | VA |
| 5926 Hogans Way | $499,000 | 5 | 3% | VA |
| 3615 Tommyhawk Ct | $319,000 | 3 | ≈3.06% | FHA |
| 468 Bryson Lake Cir (may be off market) | $435,000 | 4 | 3.125% | FHA |
| 6585 Manor Creek Dr | $340,000 | 4 | 3.49% | FHA |
| 7206 Brigidoon Rose | $330,000 | 3 | 3.5% | FHA |
| 5513 Oconee Dr (may be off market) | $595,500 | 4 | 3.5% | FHA |
| 5980 Orchard Rd | $225,000 | 3 | ≈3.76% | VA |
| 3429 Rocky Creek Dr | $200,000 | 3 | 4.25% | 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 Douglasville
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 Douglas County (27 homes)
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.