Georgia › Gwinnett County › Suwanee
Homes for sale with assumable mortgages in Suwanee, GA
5 homes for sale in Suwanee 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.
- 5homes
- 3under 3%
- 2.25%lowest rate
- $349,273median cash to assume
- $493/momedian savings vs 7.36%
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Lowest-rate homes in Suwanee
-
2.25% from loan recordsFHA loan, recorded Jul 2021
299 Haven Ridge Ct, Suwanee 30024
$560,000 · 5 bd · 3 ba · 2,814 sq ft · House · built 1995 · listed 11 days ago
- Cash to assume
- $363,003
- Payment if assumed
- $866/mo
- Saves vs 7.36% today
- $493/mo
-
2.5% from loan recordsFHA loan, recorded Dec 2020
373 Creek Manor Way, Suwanee 30024
$358,990 · 3 bd · 2 ba · 2,066 sq ft · House · listed 34 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsVA loan, recorded Nov 2021
914 Meadow Club Ct, Suwanee 30024
$1,150,000 · 6 bd · 5 ba · 6,538 sq ft · House · listed 59 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsVA loan, recorded May 2021
4371 Thacker Ln, Suwanee 30024
$785,000 · 3 bd · 3 ba · 3,137 sq ft · House · listed 178 days ago
Cash to assume and monthly savings: Pro
-
4% from loan recordsFHA loan, recorded Mar 2020
1516 Baxley Pine Trce, Suwanee 30024
$495,000 · 4 bd · 3 ba · 2,532 sq ft · House · listed 54 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Suwanee
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 299 Haven Ridge Ct | $560,000 | 5 | 2.25% | FHA |
| 373 Creek Manor Way | $358,990 | 3 | 2.5% | FHA |
| 914 Meadow Club Ct | $1,150,000 | 6 | 2.5% | VA |
| 4371 Thacker Ln | $785,000 | 3 | 3.5% | VA |
| 1516 Baxley Pine Trce | $495,000 | 4 | 4% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Suwanee
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) · Lilburn (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.