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Homes for sale with assumable mortgages in Fayetteville, GA
18 homes for sale in Fayetteville 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.
- 18homes
- 8under 3%
- 2.375%lowest rate
- $251,733median cash to assume
- $531/momedian savings vs 7.36%
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Lowest-rate homes in Fayetteville
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2.375% from loan recordsVA loan, recorded Jan 2021
105 Old Plantation Way, Fayetteville 30214
$597,400 · 4 bd · 3 ba · 2,659 sq ft · House · listed 101 days ago
- Cash to assume
- $296,539
- Payment if assumed
- $1,361/mo
- Saves vs 7.36% today
- $714/mo
-
2.49% from loan recordsVA loan, recorded Apr 2021
255 Rock Hill Dr, Fayetteville 30215
$399,900 · 4 bd · 2,203 sq ft · House · listed 129 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% or lowerVA loan, recorded Dec 2020
150 Windsor Dr, Fayetteville 30215
$350,000 · 4 bd · 2 ba · 1,812 sq ft · House · listed 88 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Nov 2020
280 Sunderland Cir, Fayetteville 30215
$625,000 · 5 bd · 4 ba · 4,899 sq ft · House · listed 42 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Aug 2020
210 Pepperdine Way, Fayetteville 30214
$450,000 · 4 bd · 2 ba · 2,155 sq ft · House · listed 55 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jun 2020
230 Camelot Dr, Fayetteville 30214
$785,000 · 4 bd · 4 ba · 3,446 sq ft · House · listed 134 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Aug 2021
105 Stafford Ct, Fayetteville 30215
$420,000 · 3 bd · 3 ba · 1,893 sq ft · House · listed 137 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Jul 2020
150 Mackenzie Ln, Fayetteville 30214
$475,000 · 3 bd · 2 ba · 2,312 sq ft · House · listed 26 days ago
Cash to assume and monthly savings: Pro
All 18 homes in Fayetteville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 105 Old Plantation Way | $597,400 | 4 | 2.375% | VA |
| 255 Rock Hill Dr | $399,900 | 4 | 2.49% | VA |
| 150 Windsor Dr | $350,000 | 4 | ≈2.68% | VA |
| 105 Stafford Ct | $420,000 | 3 | 2.75% | VA |
| 210 Pepperdine Way | $450,000 | 4 | 2.75% | VA |
| 280 Sunderland Cir | $625,000 | 5 | 2.75% | FHA |
| 230 Camelot Dr | $785,000 | 4 | 2.75% | VA |
| 150 Mackenzie Ln | $475,000 | 3 | 2.875% | FHA |
| 345 Hidden Lake Dr | $665,000 | 5 | ≈3.02% | VA |
| 185 Ashland Way | $375,000 | 4 | 3.125% | FHA |
| 215 Dix Lee On Dr | $539,000 | 7 | 3.125% | FHA |
| 125 Newberry St | $459,999 | 3 | 3.25% | VA |
| 175 Championship Ct | $359,900 | 4 | 3.375% | FHA |
| 5 Beauregard Ct | $500,000 | 4 | 3.375% | VA |
| 106 Waterlace Way | $610,000 | 5 | 3.49% | FHA |
| 335 Hunters Gln (may be off market) | $412,000 | 3 | 3.625% | VA |
| 200 Church St | $425,000 | 3 | 3.75% | FHA |
| 105 Camford Stone Path | $425,000 | 4 | 3.99% | 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 Fayetteville
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 Fayette County (24 homes) · Peachtree City (5)
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.