Georgia › Habersham County
Homes for sale with assumable mortgages in Habersham County, GA
7 homes for sale in Habersham County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 7homes
- 2under 3%
- 2.25%lowest rate
- $165,116median cash to assume
- $287/momedian savings vs 7.36%
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Towns in Habersham County: Alto, Baldwin, Clarkesville, Cornelia, Demorest.
Lowest-rate homes in Habersham County
-
3.5% from loan recordsFHA loan, recorded Jan 2020
314 Highland Pointe Dr, Alto 30510
$304,900 · 3 bd · 2 ba · 1,504 sq ft · House · built 2020 · listed 33 days ago
- Cash to assume
- $150,169
- Payment if assumed
- $811/mo
- Saves vs 7.36% today
- $256/mo
-
3.625% from loan recordsFHA loan, recorded Jan 2020
612 Habersham Mill Rd, Demorest 30535
$585,000 · 4 bd · 2 ba · 2,717 sq ft · House · built 1968 · listed 18 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2021
125 Overlook Ridge Ct, Alto 30510
$280,000 · 3 bd · 2 ba · 1,782 sq ft · Mobile home · built 1996 · listed 62 days ago
Cash to assume and monthly savings: Pro
All 7 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 104 View St (may be off market) | Clarkesville | $329,900 | 5 | 2.25% | VA |
| 234 Old River Rd (may be off market) | Cornelia | $389,900 | 3 | 2.99% | FHA |
| 161 Twisting Ridge Trl (may be off market) | Demorest | $365,000 | 4 | 3.125% | FHA |
| 314 Highland Pointe Dr | Alto | $304,900 | 3 | 3.5% | FHA |
| 612 Habersham Mill Rd | Demorest | $585,000 | 4 | 3.625% | FHA |
| 125 Overlook Ridge Ct | Alto | $280,000 | 3 | 3.75% | FHA |
| 155 Dilmus Ct (may be off market) | Baldwin | $276,000 | 3 | 4.625% | FHA |
How assuming a mortgage works in Habersham County
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.
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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.