Georgia › Gwinnett County
Homes for sale with assumable mortgages in Gwinnett County, GA
106 homes for sale in Gwinnett 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.
- 106homes
- 45under 3%
- 2.25%lowest rate
- $178,893median cash to assume
- $490/momedian savings vs 7.36%
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Cities
- Lawrenceville (25)
- Snellville (18)
- Loganville (17)
- Buford (10)
- Dacula (10)
- Grayson (7)
- Lilburn (5)
- Suwanee (5)
Also in Gwinnett County: Auburn, Bethlehem, Braselton, Duluth, Hoschton, Norcross, Peachtree Corners, Sugar Hill.
Lowest-rate homes in Gwinnett County
-
2.25% from loan recordsFHA loan, recorded Jul 2021
299 Haven Ridge Ct, Suwanee 30024
$560,000 · 5 bd · 3 ba · 2,814 sq ft · House · built 1995 · listed 11 days ago
- Cash to assume
- $363,003
- Payment if assumed
- $866/mo
- Saves vs 7.36% today
- $493/mo
-
2.25% from loan recordsVA loan, recorded Aug 2020
3960 Bonnett Creek Ln, Hoschton 30548
$899,000 · 6 bd · 5 ba · 6,184 sq ft · House · listed 51 days ago
- Cash to assume
- $566,692
- Payment if assumed
- $1,502/mo
- Saves vs 7.36% today
- $790/mo
-
2.25% from loan recordsFHA loan, recorded Jan 2021
1773 Sahale Falls Dr, Braselton 30517
$438,800 · 3 bd · 3 ba · 2,457 sq ft · House · listed 52 days ago
Cash to assume and monthly savings: Pro
-
2.25% from loan recordsVA loan, recorded Oct 2020
1190 Lamont Cir, Dacula 30019
$595,000 · 5 bd · 3 ba · 3,332 sq ft · House · listed 93 days ago
- Cash to assume
- $384,193
- Payment if assumed
- $948/mo
- Saves vs 7.36% today
- $506/mo
-
2.25% from loan recordsFHA loan, recorded Jan 2021
3594 Cherry Blossom Ct, Loganville 30052
$375,000 · 4 bd · 2 ba · 2,524 sq ft · House · listed 100 days ago
- Cash to assume
- $199,953
- Payment if assumed
- $781/mo
- Saves vs 7.36% today
- $426/mo
Homes in other Gwinnett County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 1773 Sahale Falls Dr | Braselton | $438,800 | 3 | 2.25% | FHA |
| 2177 Parkside Glen Vw (may be off market) | Duluth | $469,900 | 3 | 2.375% | FHA |
| 3435 Pickens St | Duluth | $482,500 | 4 | 2.625% | FHA |
| 4231 Creek Hollow Way | Duluth | $400,000 | 3 | 2.75% | VA |
| 4270 Sunny Oak Ln (may be off market) | Norcross | $420,000 | 3 | ≈2.98% | VA |
| 5156 Broadgreen Dr | Peachtree Corners | $925,000 | 6 | ≈3.08% | VA |
| 4548 Duncan Dr | Sugar Hill | $975,000 | 3 | 3.5% | VA |
| 1025 Hunters Oak Trl (may be off market) | Sugar Hill | $350,000 | 3 | 3.625% | FHA |
| 4290 Canterbury Walk Dr (may be off market) | Duluth | $870,000 | 4 | 4.25% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Gwinnett 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.