Georgia › Gwinnett County › Lilburn
Homes for sale with assumable mortgages in Lilburn, GA
5 homes for sale in Lilburn where the buyer can take over the seller's FHA 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.
- 5homes
- 2under 3%
- 2.75%lowest rate
- $109,150median cash to assume
- $467/momedian savings vs 7.36%
See all 5 Lilburn homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Lilburn
-
2.75% from loan recordsFHA loan, recorded Sep 2020
211 Mahone Dr, Lilburn 30047
$325,000 · 3 bd · 2 ba · 1,897 sq ft · House · listed 89 days ago
- Cash to assume
- $109,150
- Payment if assumed
- $1,027/mo
- Saves vs 7.36% today
- $461/mo
-
3.375% from loan recordsFHA loan, recorded Apr 2021
5542 Plain Field Ln, Lilburn 30047
$330,000 · 3 bd · 2 ba · 1,552 sq ft · House · listed 69 days ago
Cash to assume and monthly savings: Pro
-
4.875% from loan recordsFHA loan, recorded Mar 2020
5779 Chisholm Trl SW, Lilburn 30047
$399,500 · 4 bd · 2 ba · 2,789 sq ft · House · listed 150 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Lilburn
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 211 Mahone Dr | $325,000 | 3 | 2.75% | FHA |
| 4673 Arrowhead Trl SW (may be off market) | $480,000 | 4 | 2.75% | FHA |
| 5542 Plain Field Ln | $330,000 | 3 | 3.375% | FHA |
| 5453 Plain Field Ln (may be off market) | $394,900 | 3 | 3.75% | FHA |
| 5779 Chisholm Trl SW | $399,500 | 4 | 4.875% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Lilburn
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) · Grayson (7) · 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.