Georgia › Hall County
Homes for sale with assumable mortgages in Hall County, GA
18 homes for sale in Hall 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.
- 18homes
- 7under 3%
- 2.5%lowest rate
- $195,695median cash to assume
- $385/momedian savings vs 7.36%
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Cities
- Gainesville (6)
- Flowery Branch (5)
Also in Hall County: Buford, Clermont, Gillsville, Hoschton, Lula, Oakwood.
Lowest-rate homes in Hall County
-
2.5% from loan recordsFHA loan, recorded Jan 2020
5748 Screech Owl Dr, Flowery Branch 30542
$419,000 · 5 bd · 3 ba · 2,460 sq ft · House · built 2020 · listed 31 days ago
- Cash to assume
- $192,212
- Payment if assumed
- $1,073/mo
- Saves vs 7.36% today
- $491/mo
-
2.5% from loan recordsFHA loan, recorded Jan 2020
3259 Over Hill Ct, Buford 30519
$529,000 · 4 bd · 3 ba · 2,892 sq ft · House · built 2020 · listed 65 days ago
- Cash to assume
- $270,026
- Payment if assumed
- $1,225/mo
- Saves vs 7.36% today
- $561/mo
-
2.5% from loan recordsVA loan, recorded Jun 2021
5794 Julian Baugh Rd, Lula 30554
$795,000 · 5 bd · 4 ba · 3,958 sq ft · House · built 2003 · listed 82 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2021
8250 Mountain Glen Dr, Clermont 30527
$435,000 · 3 bd · 3 ba · 2,523 sq ft · House · built 2017 · listed 27 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jan 2021
5918 Deer Chase Ln, Hoschton 30548
$574,900 · 4 bd · 3 ba · 2,735 sq ft · House · built 2005 · listed 38 days ago
Cash to assume and monthly savings: Pro
Homes in other Hall County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 5794 Julian Baugh Rd | Lula | $795,000 | 5 | 2.5% | VA |
| 8250 Mountain Glen Dr | Clermont | $435,000 | 3 | 2.625% | FHA |
| 5453 Barberry Ave | Oakwood | $389,900 | 3 | 2.875% | FHA |
| 5551 Foxglove Way | Oakwood | $369,000 | 3 | 3.25% | FHA |
| 3829 Prospect Point Dr | Oakwood | $389,000 | 3 | 3.25% | FHA |
| 5480 Barberry Ave | Oakwood | $369,000 | 3 | ≈3.62% | VA |
| 5614 Hawthorn Dr (may be off market) | Gillsville | $399,900 | 3 | 4.375% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Hall 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.