Georgia › Floyd County
Homes for sale with assumable mortgages in Floyd County, GA
20 homes for sale in Floyd 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.
- 20homes
- 6under 3%
- 2.25%lowest rate
- $130,202median cash to assume
- $288/momedian savings vs 7.36%
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Cities
- Rome (16)
Also in Floyd County: Cave Spring, Lindale, Silver Creek.
Lowest-rate homes in Floyd County
-
2.25% from loan recordsFHA loan, recorded Jan 2021
4 Water Oak Trl NE, Rome 30165
$399,800 · 3 bd · 1 ba · 2,000 sq ft · House · built 2021 · listed 17 days ago
- Cash to assume
- $186,647
- Payment if assumed
- $951/mo
- Saves vs 7.36% today
- $519/mo
-
2.375% from loan recordsFHA loan, recorded Jan 2021
28 Frances Dr NW, Rome 30165
$209,000 · 2 bd · 2 ba · 1,248 sq ft · House · built 1992 · listed 94 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Jan 2021
8 Fernwood Way NE, Rome 30161
$299,000 · 3 bd · 1 ba · 1,280 sq ft · House · built 2019 · listed 38 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2022
139 Mount Zion Rd SW, Rome 30165
$395,000 · 4 bd · 2 ba · 2,522 sq ft · House · built 2001 · listed 23 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
14 Nature Walk Rd SW, Rome 30161
$390,000 · 4 bd · 1 ba · 3,423 sq ft · House · built 1984 · listed 69 days ago
Cash to assume and monthly savings: Pro
Homes in other Floyd County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 559 Donahoo Rd SE | Silver Creek | $234,000 | 2 | 3% | FHA |
| 8 Perry Farm Rd SW | Cave Spring | $488,900 | 2 | 3.25% | VA |
| 6 N Terrace Ave SE | Lindale | $225,000 | 3 | 3.375% | FHA |
| 512 Donahoo Rd SE | Silver Creek | $120,000 | 3 | 3.625% | FHA |
How assuming a mortgage works in Floyd 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.