Georgia › Henry County

Homes for sale with assumable mortgages in Henry County, GA

47 homes for sale in Henry 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.

• 47homes
• 20under 3%
• 2.25%lowest rate
• $122,956median cash to assume
• $463/momedian savings vs 7.36%

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Cities

• McDonough (24)
• Stockbridge (10)
• Locust Grove (9)

Also in Henry County: Ellenwood, Hampton.

Lowest-rate homes in Henry County

1. 2.25% from loan recordsFHA loan, recorded Aug 2021

   114 Copeland Ln, Stockbridge 30281

   $269,900 · 3 bd · 2 ba · 1,809 sq ft · House · listed 66 days ago

   Cash to assume

   $114,437

   Payment if assumed

   $681/mo

   Saves vs 7.36% today

   $391/mo

   Details · See on the map · Photos on Zillow

2. 2.25% from loan recordsVA loan, recorded Feb 2021

   1469 Granby Ln, Locust Grove 30248

   $499,000 · 6 bd · 4 ba · 3,407 sq ft · House · listed 89 days ago

   Cash to assume

   $238,089

   Payment if assumed

   $1,161/mo

   Saves vs 7.36% today

   $638/mo

   Details · See on the map · Photos on Zillow

3. 2.5% from loan recordsVA loan, recorded Apr 2021

   4073 Madison Acres Dr, Locust Grove 30248

   $510,000 · 5 bd · 4 ba · 3,148 sq ft · House · listed 31 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

4. 2.5% from loan recordsVA loan, recorded Dec 2020

   232 Rugged Creek Dr, Stockbridge 30281

   $425,000 · 4 bd · 3 ba · 3,598 sq ft · House · listed 82 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

5. 2.625% from loan recordsVA loan, recorded Apr 2021

   133 Cranapple Ln, McDonough 30253

   $330,000 · 4 bd · 2 ba · 2,232 sq ft · House · listed 32 days ago

   Cash to assume

   $90,036

   Payment if assumed

   $1,107/mo

   Saves vs 7.36% today

   $547/mo

   Details · See on the map · Photos on Zillow

How assuming a mortgage works in Henry 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.