Georgia › Fannin County
Homes for sale with assumable mortgages in Fannin County, GA
5 homes for sale in Fannin County where the buyer can take over the seller's VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 5homes
- 5under 3%
- 2.25%lowest rate
- $335,412median cash to assume
- $522/momedian savings vs 7.36%
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Towns in Fannin County: Blue Ridge, Mineral Bluff, Morganton.
Lowest-rate homes in Fannin County
-
2.25% from loan recordsVA loan, recorded Jan 2021
115 Brighton Way, Mineral Bluff 30559
$897,000 · 3 bd · 3 ba · 2,688 sq ft · House · built 2019 · listed 109 days ago
- Cash to assume
- $682,435
- Payment if assumed
- $957/mo
- Saves vs 7.36% today
- $522/mo
-
≈2.74% or lowerVA loan, recorded Jan 2021
215 Dun Mill Creek Rd, Blue Ridge 30513
$650,000 · 3 bd · 2 ba · 2,460 sq ft · House · built 2006 · listed 100 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2020
61 Amelia Ln, Blue Ridge 30513
$469,900 · 3 bd · 2 ba · 3,167 sq ft · House · built 2003 · listed 143 days ago
Cash to assume and monthly savings: Pro
All 5 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 115 Brighton Way | Mineral Bluff | $897,000 | 3 | 2.25% | VA |
| 2466 Forge Mill Rd (may be off market) | Morganton | $439,999 | 3 | 2.625% | VA |
| 215 Dun Mill Creek Rd | Blue Ridge | $650,000 | 3 | ≈2.74% | VA |
| 230 Pine Forest Loop (may be off market) | Blue Ridge | $449,777 | 3 | 2.75% | VA |
| 61 Amelia Ln | Blue Ridge | $469,900 | 3 | 2.75% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Fannin 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.