Georgia › Floyd County › Rome
Homes for sale with assumable mortgages in Rome, GA
16 homes for sale in Rome 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.
- 16homes
- 6under 3%
- 2.25%lowest rate
- $130,202median cash to assume
- $319/momedian savings vs 7.36%
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Lowest-rate homes in Rome
-
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
-
2.875% from loan recordsVA loan, recorded Jan 2021
3713 Chulio Rd SE, Rome 30161
$569,000 · 3 bd · 2 ba · 1,828 sq ft · House · built 2018 · listed 115 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jan 2022
5 Beaver Run SW, Rome 30165
$399,000 · 5 bd · 4 ba · 3,600 sq ft · House · built 1969 · listed 29 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsVA loan, recorded Jan 2021
1214 Radio Springs Rd SW, Rome 30165
$399,900 · 4 bd · 3 ba · 1,755 sq ft · House · built 1974 · listed 33 days ago
Cash to assume and monthly savings: Pro
All 16 homes in Rome
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4 Water Oak Trl NE | $399,800 | 3 | 2.25% | FHA |
| 28 Frances Dr NW | $209,000 | 2 | 2.375% | FHA |
| 8 Fernwood Way NE | $299,000 | 3 | 2.625% | VA |
| 14 Nature Walk Rd SW | $390,000 | 4 | 2.75% | FHA |
| 139 Mount Zion Rd SW | $395,000 | 4 | 2.75% | FHA |
| 3713 Chulio Rd SE | $569,000 | 3 | 2.875% | VA |
| 40 3rd - Shannon St | $199,900 | 3 | 3.125% | FHA |
| 5 Beaver Run SW | $399,000 | 5 | 3.125% | FHA |
| 1214 Radio Springs Rd SW | $399,900 | 4 | 3.125% | VA |
| 13 Walton Creek Dr SW | $289,900 | 5 | 3.25% | FHA |
| 128 Rollingwood Cir NW | $349,000 | 4 | 3.25% | FHA |
| 7 Cherry St SW | $259,900 | 4 | 3.375% | FHA |
| 1 Eugenia Cir NW | $185,000 | 2 | 3.625% | FHA |
| 8 S Hughes St SW (may be off market) | $250,000 | 3 | 3.625% | VA |
| 2124 Southern St NE | $140,000 | 2 | 3.99% | FHA |
| 5 Robin St NW (may be off market) | $365,000 | 4 | 4.75% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Rome
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 Floyd County (20 homes)
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.