Georgia › Effingham County › Guyton
Homes for sale with assumable mortgages in Guyton, GA
14 homes for sale in Guyton 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.
- 14homes
- 7under 3%
- 2.25%lowest rate
- $200,086median cash to assume
- $524/momedian savings vs 7.36%
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Lowest-rate homes in Guyton
-
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
-
≈2.74% 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
-
2.875% from loan recordsVA loan, recorded Jan 2020
701 Nease Rd, Guyton 31312
$699,900 · 5 bd · 4 ba · 3,727 sq ft · House · built 2006 · listed 38 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Jan 2022
3555 Noel C Conaway Rd, Guyton 31312
$750,000 · 3 bd · 2,184 sq ft · Mobile home · built 1999 · listed 32 days ago
Cash to assume and monthly savings: Pro
-
3.11% from loan recordsFHA loan, recorded Sep 2021
3339 Courthouse Rd, Guyton 31312
$275,000 · 3 bd · 1,680 sq ft · Mobile home · built 2007 · listed 15 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2021
203 Veranda Ave, Guyton 31312
$395,000 · 4 bd · 2 ba · 2,822 sq ft · House · built 2003 · listed 135 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsVA loan, recorded Jan 2020
15 Farrington Cir, Guyton 31312
$329,900 · 4 bd · 2 ba · 2,000 sq ft · House · built 2018 · listed 160 days ago
Cash to assume and monthly savings: Pro
All 14 homes in Guyton
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 130 Clover Point Cir | $380,000 | 4 | 2.25% | VA |
| 1355 Old Louisville Rd (may be off market) | $599,999 | 4 | 2.578% | VA |
| 123 Tobago Cir | $314,900 | 4 | ≈2.74% | VA |
| 233 Timberlake Dr (may be off market) | $359,000 | 4 | ≈2.74% | VA |
| 138 Sapphire Cir | $424,900 | 4 | ≈2.74% | VA |
| 136 Ruby Trl (may be off market) | $495,000 | 5 | ≈2.74% | VA |
| 701 Nease Rd | $699,900 | 5 | 2.875% | VA |
| 3555 Noel C Conaway Rd | $750,000 | 3 | 3% | FHA |
| 3339 Courthouse Rd | $275,000 | 3 | 3.11% | FHA |
| 15 Farrington Cir | $329,900 | 4 | 3.25% | VA |
| 108 Beecher Dr (may be off market) | $350,000 | 3 | 3.25% | VA |
| 203 Veranda Ave | $395,000 | 4 | 3.25% | FHA |
| 101 Fairhaven Ct | $375,000 | 4 | ≈3.45% | VA |
| 108 Ruby Trl | $499,900 | 4 | 3.5% | 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 Guyton
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 Effingham County (27 homes) · Rincon (9)
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.