Georgia › Effingham County › Rincon
Homes for sale with assumable mortgages in Rincon, GA
9 homes for sale in Rincon 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.
- 9homes
- 4under 3%
- 2.375%lowest rate
- $196,379median cash to assume
- $479/momedian savings vs 7.36%
See all 9 Rincon homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Rincon
-
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
102 Del Mar Ct, Rincon 31326
$365,000 · 3 bd · 2 ba · 2,330 sq ft · House · built 2009 · listed 149 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded Jan 2021
217 Jasper Ln, Rincon 31326
$315,000 · 3 bd · 2 ba · 1,396 sq ft · House · built 2000 · listed 39 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsVA loan, recorded Jan 2020
209 Hubener Dr, Rincon 31326
$525,000 · 3 bd · 2 ba · 2,734 sq ft · House · built 2005 · listed 72 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Jan 2021
659 Blue Jay Rd, Rincon 31326
$1,050,000 · 3 bd · 2 ba · 1,887 sq ft · House · built 1966 · listed 26 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
130 Jamestown Dr, Rincon 31326
$338,999 · 3 bd · 2 ba · 1,679 sq ft · House · built 2002 · listed 45 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
108 Henry Ct, Rincon 31326
$640,000 · 5 bd · 3 ba · 3,483 sq ft · House · built 2018 · listed 71 days ago
Cash to assume and monthly savings: Pro
All 9 homes in Rincon
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 107 Treutlen Ct | $510,000 | 5 | 2.375% | VA |
| 2006 Dawson Ln | $215,000 | 2 | 2.625% | VA |
| 102 Del Mar Ct | $365,000 | 3 | ≈2.74% | VA |
| 217 Jasper Ln | $315,000 | 3 | 2.99% | FHA |
| 209 Hubener Dr | $525,000 | 3 | 3.25% | VA |
| 659 Blue Jay Rd | $1,050,000 | 3 | 3.375% | FHA |
| 130 Jamestown Dr | $338,999 | 3 | ≈3.62% | VA |
| 108 Lake Tomacheechee Dr | $499,989 | 3 | ≈3.62% | FHA |
| 108 Henry Ct | $640,000 | 5 | ≈3.62% | VA |
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 Rincon
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) · Guyton (14)
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.