Georgia › Gwinnett County › Buford
Homes for sale with assumable mortgages in Buford, GA
10 homes for sale in Buford 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.
- 10homes
- 5under 3%
- 2.5%lowest rate
- $234,334median cash to assume
- $561/momedian savings vs 7.36%
See all 10 Buford homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Buford
-
2.5% from loan recordsFHA loan, recorded Jan 2020
3259 Over Hill Ct, Buford 30519
$529,000 · 4 bd · 3 ba · 2,892 sq ft · House · built 2020 · listed 65 days ago
- Cash to assume
- $270,026
- Payment if assumed
- $1,225/mo
- Saves vs 7.36% today
- $561/mo
-
2.5% from loan recordsFHA loan, recorded Dec 2020
4096 Water Mill Dr, Buford 30519
$495,000 · 5 bd · 3 ba · 2,853 sq ft · House · listed 141 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2021
3241 Andover Way, Buford 30519
$569,900 · 3 bd · 2 ba · 2,729 sq ft · House · listed 33 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% or lowerVA loan, recorded Dec 2020
2145 Wynfield Point Dr, Buford 30519
$450,000 · 3 bd · 2 ba · 2,259 sq ft · House · listed 70 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded May 2021
3721 Bogan Mill Rd, Buford 30519
$450,000 · 4 bd · 3 ba · 2,833 sq ft · House · listed 145 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Nov 2021
1930 Lanier Harbor Pt, Buford 30518
$400,000 · 3 bd · 2 ba · 1,888 sq ft · House · listed 177 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsFHA loan, recorded Apr 2020
3300 Deaton Trl, Buford 30519
$640,000 · 5 bd · 2 ba · 3,504 sq ft · House · listed 81 days ago
Cash to assume and monthly savings: Pro
-
3.875% from loan recordsFHA loan, recorded Mar 2022
2411 Thrasher Rd, Buford 30519
$439,900 · 3 bd · 2 ba · 1,802 sq ft · House · listed 163 days ago
Cash to assume and monthly savings: Pro
All 10 homes in Buford
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 4096 Water Mill Dr | $495,000 | 5 | 2.5% | FHA |
| 3259 Over Hill Ct | $529,000 | 4 | 2.5% | FHA |
| 3241 Andover Way | $569,900 | 3 | 2.625% | FHA |
| 2145 Wynfield Point Dr | $450,000 | 3 | ≈2.68% | VA |
| 2695 Wyndham Park Dr (may be off market) | $495,000 | 5 | 2.75% | FHA |
| 108 Woodland St (may be off market) | $430,000 | 4 | 3% | FHA |
| 3721 Bogan Mill Rd | $450,000 | 4 | 3% | FHA |
| 1930 Lanier Harbor Pt | $400,000 | 3 | 3.125% | FHA |
| 3300 Deaton Trl | $640,000 | 5 | 3.625% | FHA |
| 2411 Thrasher Rd | $439,900 | 3 | 3.875% | 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 Buford
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 Gwinnett County (106 homes) · Lawrenceville (25) · Snellville (18) · Loganville (17) · Dacula (10) · Grayson (7) · Lilburn (5) · Suwanee (5)
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.