Georgia › Gwinnett County › Dacula
Homes for sale with assumable mortgages in Dacula, GA
10 homes for sale in Dacula 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%
- 2.25%lowest rate
- $220,878median cash to assume
- $493/momedian savings vs 7.36%
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Lowest-rate homes in Dacula
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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
-
2.5% from loan recordsFHA loan, recorded Aug 2021
417 Oaklawn Park, Dacula 30019
$430,000 · 4 bd · 2 ba · 2,342 sq ft · House · listed 72 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsVA loan, recorded Dec 2020
2744 Fairway Knoll Ct, Dacula 30019
$825,000 · 6 bd · 5 ba · 6,389 sq ft · House · listed 109 days ago
Cash to assume and monthly savings: Pro
-
≈2.87% or lowerVA loan, recorded Jul 2021
1893 Weatherby Way Ct, Dacula 30019
$489,900 · 5 bd · 4 ba · 3,133 sq ft · House · listed 30 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded Jul 2021
1966 Villa Spring Ct, Dacula 30019
$395,000 · 4 bd · 3 ba · 2,144 sq ft · House · listed 34 days ago
Cash to assume and monthly savings: Pro
-
≈3.08% or lowerVA loan, recorded Mar 2021
2670 Fort Apachee Trl, Dacula 30019
$339,900 · 3 bd · 2 ba · 1,606 sq ft · House · listed 31 days ago
Cash to assume and monthly savings: Pro
-
≈3.23% estimateFHA loan, recorded May 2020
2275 Fortune Dr, Dacula 30019
$340,000 · 4 bd · 3 ba · 1,835 sq ft · House · listed 48 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsFHA loan, recorded Oct 2020
2818 Stockbridge Way, Dacula 30019
$405,000 · 4 bd · 2 ba · 2,612 sq ft · House · listed 178 days ago
Cash to assume and monthly savings: Pro
All 10 homes in Dacula
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 1190 Lamont Cir | $595,000 | 5 | 2.25% | VA |
| 417 Oaklawn Park | $430,000 | 4 | 2.5% | FHA |
| 2744 Fairway Knoll Ct | $825,000 | 6 | 2.5% | VA |
| 1893 Weatherby Way Ct | $489,900 | 5 | ≈2.87% | VA |
| 1966 Villa Spring Ct | $395,000 | 4 | 2.99% | FHA |
| 2670 Fort Apachee Trl | $339,900 | 3 | ≈3.08% | VA |
| 2275 Fortune Dr | $340,000 | 4 | ≈3.23% | FHA |
| 2818 Stockbridge Way | $405,000 | 4 | 3.25% | FHA |
| 3430 Vista Creek Dr | $465,000 | 4 | ≈3.47% | VA |
| 217 Oaklawn Park (may be off market) | $440,000 | 5 | 3.625% | 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 Dacula
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) · Buford (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.