Georgia › Fulton County
Homes for sale with assumable mortgages in Fulton County, GA
64 homes for sale in Fulton 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.
- 64homes
- 33under 3%
- 2.25%lowest rate
- $120,642median cash to assume
- $445/momedian savings vs 7.36%
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Cities
Also in Fulton County: Alpharetta, Johns Creek, Riverdale, Roswell, Sandy Springs, South Fulton, Union City.
Lowest-rate homes in Fulton County
-
2.25% from loan recordsVA loan, recorded Jul 2021
860 Peachtree St NE Unit 1609, Atlanta 30308
$275,000 · 1 bd · 1 ba · 1,522 sq ft · Condo · listed 58 days ago
- Cash to assume
- $103,486
- Payment if assumed
- $754/mo
- Saves vs 7.36% today
- $429/mo
-
2.25% from loan recordsVA loan, recorded Jul 2020
1401 Mims St SW, Atlanta 30314
$375,000 · 3 bd · 2 ba · 1,697 sq ft · House · listed 65 days ago
Cash to assume and monthly savings: Pro
-
2.25% from loan recordsVA loan, recorded Apr 2021
512 Rankin St NE, Atlanta 30308
$1,250,000 · 3 bd · 3 ba · 3,884 sq ft · House · listed 68 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsVA loan, recorded Apr 2021
5855 Radford Loop, Atlanta 30213
$290,000 · 3 bd · 2 ba · 2,136 sq ft · House · listed 33 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsFHA loan, recorded Oct 2021
136 Peachtree Memorial Dr NW, Atlanta 30309
$310,000 · 2 bd · 1 ba · 1,100 sq ft · Condo · listed 52 days ago
Cash to assume and monthly savings: Pro
Homes in other Fulton County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 11415 Donnington Dr | Johns Creek | $975,000 | 5 | 2.5% | VA |
| 400 N Kimberly Ct | Roswell | $525,000 | 3 | 2.75% | FHA |
| 9009 Woodland Trl | Alpharetta | $735,000 | 4 | 2.75% | VA |
| 415 Spindle Ct | Sandy Springs | $750,000 | 4 | 2.75% | FHA |
| 330 Dressage Ct | Riverdale | $255,000 | 4 | 2.875% | FHA |
| 5443 Spey Ct | Johns Creek | $855,000 | 5 | 2.875% | VA |
| 6051 Oak Bend Ct | Riverdale | $249,900 | 3 | ≈2.89% | FHA |
| 7210 Glisten Ave | Sandy Springs | $450,000 | 3 | 3.125% | FHA |
| 1301 Gettysburg Pl | Sandy Springs | $229,900 | 2 | 3.25% | FHA |
| 6231 Hickory Lane Cir (may be off market) | Union City | $250,000 | 3 | 3.375% | FHA |
| 6117 Oakley Rd | Union City | $214,900 | 3 | 3.5% | FHA |
| 220 Milano Dr SW | South Fulton | $825,000 | 5 | 3.5% | VA |
| 210 Pear Valley Ct | Johns Creek | $860,000 | 6 | 3.625% | FHA |
| 750 Dalrymple Rd Apt L3 | Sandy Springs | $255,000 | 2 | 3.75% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Fulton 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.
See every Georgia county.
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.