Georgia › Effingham County
Homes for sale with assumable mortgages in Effingham County, GA
27 homes for sale in Effingham 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
- 12under 3%
- 2.25%lowest rate
- $196,379median cash to assume
- $479/momedian savings vs 7.36%
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Cities
Also in Effingham County: Bloomingdale, Springfield.
Lowest-rate homes in Effingham County
-
2.25% from loan recordsVA loan, recorded Jan 2022
130 Clover Point Cir, Guyton 31312
$380,000 · 4 bd · 2 ba · 2,402 sq ft · House · built 2017 · listed 71 days ago
- Cash to assume
- $175,960
- Payment if assumed
- $883/mo
- Saves vs 7.36% today
- $524/mo
-
2.375% from loan recordsVA loan, recorded Jan 2021
107 Treutlen Ct, Rincon 31326
$510,000 · 5 bd · 3 ba · 3,104 sq ft · House · built 2020 · listed 13 days ago
- Cash to assume
- $192,267
- Payment if assumed
- $1,437/mo
- Saves vs 7.36% today
- $754/mo
-
2.625% from loan recordsVA loan, recorded Jan 2021
2006 Dawson Ln, Rincon 31326
$215,000 · 2 bd · 2 ba · 1,090 sq ft · House · built 2002 · listed 93 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
138 Sapphire Cir, Guyton 31312
$424,900 · 4 bd · 3 ba · 2,684 sq ft · House · built 2021 · listed 34 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
123 Tobago Cir, Guyton 31312
$314,900 · 4 bd · 2 ba · 1,774 sq ft · House · built 2021 · listed 45 days ago
Cash to assume and monthly savings: Pro
Homes in other Effingham County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 120 Lynwood Ln | Springfield | $395,000 | 4 | ≈2.74% | VA |
| 385 Lemans Dr | Bloomingdale | $419,000 | 3 | ≈3.45% | VA |
| 118 William Way (may be off market) | Springfield | $378,900 | 4 | 3.625% | FHA |
| 102 Dasher Dr | Springfield | $289,900 | 3 | 4.25% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Effingham 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.