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Homes for sale with assumable mortgages in Grayson, GA
7 homes for sale in Grayson 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.
- 7homes
- 2under 3%
- 2.375%lowest rate
- $115,750median cash to assume
- $490/momedian savings vs 7.36%
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Lowest-rate homes in Grayson
-
2.375% from loan recordsFHA loan, recorded Sep 2021
2646 Hunters Place Lndg, Grayson 30017
$615,000 · 5 bd · 2 ba · 4,422 sq ft · House · listed 144 days ago
- Cash to assume
- $360,926
- Payment if assumed
- $1,127/mo
- Saves vs 7.36% today
- $626/mo
-
2.75% from loan recordsFHA loan, recorded Aug 2020
120 Camry Ln, Grayson 30017
$245,900 · 2 bd · 2 ba · 1,310 sq ft · House · listed 73 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Mar 2022
2465 Chandler Rd, Grayson 30017
$539,000 · 3 bd · 2 ba · 5,115 sq ft · House · listed 177 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsVA loan, recorded Feb 2022
85 Tollwood Pl, Grayson 30017
$725,000 · 6 bd · 4 ba · 4,158 sq ft · House · listed 66 days ago
Cash to assume and monthly savings: Pro
-
3.55% from loan recordsFHA loan, recorded Jul 2021
102 Camry Ln, Grayson 30017
$260,000 · 2 bd · 3 ba · 1,354 sq ft · House · built 2002 · listed 15 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Grayson
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 2646 Hunters Place Lndg | $615,000 | 5 | 2.375% | FHA |
| 120 Camry Ln | $245,900 | 2 | 2.75% | FHA |
| 2128 Cluster Ln (may be off market) | $444,900 | 3 | 3% | VA |
| 2465 Chandler Rd | $539,000 | 3 | 3.125% | FHA |
| 85 Tollwood Pl | $725,000 | 6 | 3.375% | VA |
| 102 Camry Ln | $260,000 | 2 | 3.55% | FHA |
| 2170 Rail Yard Ave (may be off market) | $455,000 | 4 | 3.875% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Grayson
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) · Dacula (10) · 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.