Georgia › Hall County › Flowery Branch
Homes for sale with assumable mortgages in Flowery Branch, GA
5 homes for sale in Flowery Branch 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
- 1under 3%
- 2.5%lowest rate
- $195,695median cash to assume
- $387/momedian savings vs 7.36%
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Lowest-rate homes in Flowery Branch
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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
-
3.125% from loan recordsFHA loan, recorded Jan 2021
5480 Amber Cove Way, Flowery Branch 30542
$385,000 · 3 bd · 2 ba · 1,804 sq ft · House · built 2001 · listed 113 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsVA loan, recorded Jan 2020
5440 Falling Branch Ct, Flowery Branch 30542
$399,900 · 3 bd · 2 ba · 2,508 sq ft · House · built 2019 · listed 36 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Jan 2020
5752 Shore Isle Ct, Flowery Branch 30542
$449,000 · 4 bd · 3 ba · 2,801 sq ft · House · built 2018 · listed 128 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2021
6078 Trumpet Flower Ave, Flowery Branch 30542
$429,000 · 5 bd · 3 ba · 2,788 sq ft · House · built 2021 · listed 31 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Flowery Branch
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 5748 Screech Owl Dr | $419,000 | 5 | 2.5% | FHA |
| 5480 Amber Cove Way | $385,000 | 3 | 3.125% | FHA |
| 5440 Falling Branch Ct | $399,900 | 3 | 3.375% | VA |
| 5752 Shore Isle Ct | $449,000 | 4 | 3.375% | FHA |
| 6078 Trumpet Flower Ave | $429,000 | 5 | 3.75% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Flowery Branch
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 Hall County (18 homes) · Gainesville (6)
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.