Georgia › Hall County › Gainesville
Homes for sale with assumable mortgages in Gainesville, GA
6 homes for sale in Gainesville 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.
- 6homes
- 2under 3%
- 2.49%lowest rate
- $116,389median cash to assume
- $385/momedian savings vs 7.36%
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Lowest-rate homes in Gainesville
-
2.49% from loan recordsVA loan, recorded Jan 2021
8515 Lynn Dr, Gainesville 30506
$480,000 · 3 bd · 2 ba · 1,762 sq ft · House · built 2019 · listed 27 days ago
- Cash to assume
- $214,332
- Payment if assumed
- $1,217/mo
- Saves vs 7.36% today
- $615/mo
-
2.875% from loan recordsFHA loan, recorded Jan 2021
3383 Wolf Dr, Gainesville 30506
$399,000 · 3 bd · 2 ba · 1,782 sq ft · House · built 1986 · listed 17 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsVA loan, recorded Jan 2020
1489 Bluff Valley Cir, Gainesville 30504
$269,000 · 3 bd · 2 ba · 1,529 sq ft · House · built 2019 · listed 44 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Jan 2020
105 Bennett Dr, Gainesville 30501
$190,000 · 3 bd · 1 ba · 1,154 sq ft · House · built 1945 · listed 54 days ago
Cash to assume and monthly savings: Pro
-
3.375% from loan recordsFHA loan, recorded Jan 2021
3657 Abbey Way, Gainesville 30507
$296,900 · 3 bd · 2 ba · 1,600 sq ft · House · built 2021 · listed 117 days ago
Cash to assume and monthly savings: Pro
-
4.125% from loan recordsFHA loan, recorded Jan 2021
9285 Crystal Springs Rd, Gainesville 30506
$370,000 · 3 bd · 2 ba · 945 sq ft · House · built 1994 · listed 157 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Gainesville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 8515 Lynn Dr | $480,000 | 3 | 2.49% | VA |
| 3383 Wolf Dr | $399,000 | 3 | 2.875% | FHA |
| 105 Bennett Dr | $190,000 | 3 | 3% | FHA |
| 1489 Bluff Valley Cir | $269,000 | 3 | 3% | VA |
| 3657 Abbey Way | $296,900 | 3 | 3.375% | FHA |
| 9285 Crystal Springs Rd | $370,000 | 3 | 4.125% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Gainesville
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) · Flowery Branch (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.