Georgia › Gwinnett County › Lawrenceville
Homes for sale with assumable mortgages in Lawrenceville, GA
25 homes for sale in Lawrenceville 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.
- 25homes
- 10under 3%
- 2.375%lowest rate
- $153,014median cash to assume
- $477/momedian savings vs 7.36%
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Lowest-rate homes in Lawrenceville
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2.5% from loan recordsFHA loan, recorded Jan 2021
779 Arbor Crowne Dr, Lawrenceville 30045
$339,000 · 3 bd · 2 ba · 1,926 sq ft · House · listed 19 days ago
- Cash to assume
- $124,977
- Payment if assumed
- $982/mo
- Saves vs 7.36% today
- $494/mo
-
≈2.68% estimateFHA loan, recorded Dec 2020
524 Martin Forest Ln, Lawrenceville 30045
$389,000 · 5 bd · 3 ba · 2,500 sq ft · House · listed 38 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
720 Paris Dr, Lawrenceville 30043
$437,000 · 4 bd · 2 ba · 2,056 sq ft · House · listed 118 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2021
1273 Miss Irene Ln, Lawrenceville 30044
$365,000 · 2 bd · 2 ba · 2,198 sq ft · House · listed 95 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded May 2021
721 Belmont Rdg, Lawrenceville 30043
$335,000 · 3 bd · 2 ba · 1,742 sq ft · House · listed 130 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jun 2021
3153 Tranquility Way, Lawrenceville 30044
$655,000 · 5 bd · 4 ba · 3,276 sq ft · House · listed 50 days ago
Cash to assume and monthly savings: Pro
-
≈2.96% estimateFHA loan, recorded May 2021
1349 Ashbrook Dr, Lawrenceville 30043
$325,000 · 3 bd · 2 ba · 1,594 sq ft · House · listed 62 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded May 2020
704 Highland Ridge Pointe, Lawrenceville 30045
$499,000 · 5 bd · 3 ba · 3,464 sq ft · House · listed 156 days ago
Cash to assume and monthly savings: Pro
All 25 homes in Lawrenceville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 495 Cabot Trce (may be off market) | $450,000 | 3 | 2.375% | FHA |
| 779 Arbor Crowne Dr | $339,000 | 3 | 2.5% | FHA |
| 132 Bleeker St (may be off market) | $375,000 | 3 | 2.625% | FHA |
| 524 Martin Forest Ln | $389,000 | 5 | ≈2.68% | FHA |
| 720 Paris Dr | $437,000 | 4 | ≈2.74% | FHA |
| 721 Belmont Rdg | $335,000 | 3 | 2.75% | FHA |
| 1273 Miss Irene Ln | $365,000 | 2 | 2.75% | VA |
| 2004 Brittlebank Ln (may be off market) | $523,998 | 4 | 2.75% | FHA |
| 3153 Tranquility Way | $655,000 | 5 | 2.875% | VA |
| 1349 Ashbrook Dr | $325,000 | 3 | ≈2.96% | FHA |
| 704 Highland Ridge Pointe | $499,000 | 5 | 3% | FHA |
| 234 Greenview Ln | $335,000 | 3 | ≈3.1% | VA |
| 352 Newshaw Dr | $529,900 | 5 | 3.125% | VA |
| 3248 Continental Ct | $380,900 | 3 | 3.25% | FHA |
| 910 Paper Creek Dr | $437,000 | 5 | 3.25% | FHA |
| 678 Saffron Blvd | $484,999 | 4 | 3.25% | FHA |
| 467 Oak Way | $265,000 | 3 | 3.5% | FHA |
| 2105 Bentbrooke Trl | $465,000 | 4 | 3.5% | FHA |
| 3429 Lake Dr | $379,000 | 3 | 3.55% | FHA |
| 564 Martin Forest Ln | $358,900 | 4 | 3.625% | FHA |
| 1117 Cotton Oak Dr | $485,000 | 4 | 3.625% | FHA |
| 1120 Grace Hadaway Ln | $425,000 | 4 | 3.75% | FHA |
| 1094 Campbell Pine Trl | $413,000 | 4 | 4% | VA |
| 1540 La Maison Dr | $349,900 | 4 | 4.625% | FHA |
| 1169 Leybourne Cv (may be off market) | $514,900 | 5 | 4.875% | 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 Lawrenceville
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) · Snellville (18) · Loganville (17) · Buford (10) · 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.