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Homes for sale with assumable mortgages in Atlanta, GA
43 homes for sale in Atlanta 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.
- 43homes
- 23under 3%
- 2.25%lowest rate
- $100,950median cash to assume
- $445/momedian savings vs 7.36%
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Lowest-rate homes in Atlanta
-
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
-
2.5% from loan recordsFHA loan, recorded Feb 2021
3541 Roswell Rd NE Unit 11, Atlanta 30305
$560,000 · 2 bd · 2 ba · 1,910 sq ft · Condo · listed 115 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Apr 2021
6219 Centennial Run, Atlanta 30349
$259,900 · 3 bd · 2 ba · 2,328 sq ft · House · listed 33 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Mar 2021
256 Ismal Dr SW, Atlanta 30331
$319,000 · 2 bd · 3 ba · 1,848 sq ft · House · listed 66 days ago
Cash to assume and monthly savings: Pro
All 43 homes in Atlanta
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 860 Peachtree St NE Unit 1609 | $275,000 | 1 | 2.25% | VA |
| 1401 Mims St SW | $375,000 | 3 | 2.25% | VA |
| 512 Rankin St NE | $1,250,000 | 3 | 2.25% | VA |
| 5855 Radford Loop | $290,000 | 3 | 2.375% | VA |
| 136 Peachtree Memorial Dr NW | $310,000 | 2 | 2.5% | FHA |
| 3541 Roswell Rd NE Unit 11 | $560,000 | 2 | 2.5% | FHA |
| 115 W Peachtree Pl NW Unit 413 (may be off market) | $210,000 | 1 | 2.625% | VA |
| 6219 Centennial Run | $259,900 | 3 | 2.625% | VA |
| 2665 Colonial Dr | $300,000 | 4 | 2.625% | VA |
| 256 Ismal Dr SW | $319,000 | 2 | 2.625% | VA |
| 6345 Olmadison Pl | $249,900 | 4 | 2.75% | FHA |
| 2335 Boulder Rd SE (may be off market) | $275,000 | 2 | 2.75% | VA |
| 4324 Sublime Trl | $424,900 | 5 | 2.75% | FHA |
| 751 Piedmont Ave NE Apt 3 | $430,000 | 2 | 2.75% | FHA |
| 120 Ralph Mcgill Blvd NE Apt 903 (may be off market) | $169,500 | 1 | 2.875% | FHA |
| 2158 Wingate St SW | $259,000 | 3 | 2.875% | FHA |
| 1677 Neely Ave (may be off market) | $295,000 | 3 | 2.875% | FHA |
| 4046 Lake Manor Way (may be off market) | $340,000 | 4 | 2.875% | FHA |
| 1578 Belmont Ave SW (may be off market) | $375,000 | 3 | 2.875% | FHA |
| 3167 Westmart Ln | $395,000 | 4 | 2.875% | FHA |
| 3908 Danube Ln | $625,000 | 3 | ≈2.98% | VA |
| 2700 Pine Tree Rd NE Unit 1306 | $190,000 | 1 | 2.99% | FHA |
| 2152 Forrest Pl NW (may be off market) | $419,900 | 2 | 2.99% | FHA |
| 57 Forsyth St NW Apt 3b | $199,900 | 1 | 3% | FHA |
| 3820 Roswell Rd NE Unit 205 | $242,500 | 1 | 3% | FHA |
| 2226 Spring Walk Ct | $300,000 | 3 | 3% | VA |
| 1968 Enon Rd SW (may be off market) | $1,890,000 | 6 | ≈3.07% | VA |
| 3133 Charity Dr SE | $220,000 | 3 | 3.125% | FHA |
| 1075 Moreland Ave SE | $439,900 | 3 | 3.125% | FHA |
| 970 Sidney Marcus Blvd NE Unit 1420 | $205,000 | 1 | 3.25% | FHA |
| 969 Society Cir SW | $284,900 | 4 | 3.25% | FHA |
| 1018 Mcdaniel St SW | $321,000 | 3 | 3.25% | FHA |
| 989 Ormewood Ave SE (may be off market) | $434,900 | 2 | 3.25% | FHA |
| 502 Waterford Rd NW (may be off market) | $500,000 | 5 | 3.25% | VA |
| 542 Monticello Blvd SE | $295,000 | 3 | 3.375% | FHA |
| 5230 Old Bill Cook Rd | $385,000 | 3 | 3.375% | VA |
| 5654 Wyncreek Cir SW | $475,000 | 5 | 3.375% | FHA |
| 2973 Gresham Rd SE (may be off market) | $289,000 | 4 | 3.625% | FHA |
| 693 Utoy Cir SW | $255,000 | 3 | 3.75% | FHA |
| 2133 Cascade Rd SW (may be off market) | $419,900 | 4 | 3.75% | FHA |
| 355 Magnolia Walk Ln (may be off market) | $340,000 | 4 | 3.875% | FHA |
| 5626 Casa Blanca Ln | $642,000 | 5 | 3.875% | FHA |
| 3123 Wolf Club Dr SW (may be off market) | $430,000 | 4 | 4.5% | FHA |
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 Atlanta
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 Fulton County (64 homes) · Fairburn (13)
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.