Georgia › Henry County › McDonough
Homes for sale with assumable mortgages in McDonough, GA
24 homes for sale in McDonough 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.
- 24homes
- 11under 3%
- 2.25%lowest rate
- $166,974median cash to assume
- $470/momedian savings vs 7.36%
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Lowest-rate homes in McDonough
-
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
-
2.625% from loan recordsFHA loan, recorded Oct 2020
428 Oscar Ct, McDonough 30252
$429,900 · 4 bd · 3 ba · 2,872 sq ft · House · listed 73 days ago
Cash to assume and monthly savings: Pro
-
≈2.68% estimateFHA loan, recorded Dec 2020
45 Boxwood Ct, McDonough 30252
$269,900 · 3 bd · 2 ba · 1,440 sq ft · House · listed 53 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
300 Onyx Dr, McDonough 30252
$549,900 · 5 bd · 4 ba · 5,306 sq ft · House · listed 75 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
236 Leland Ln, McDonough 30253
$314,900 · 4 bd · 2 ba · 1,982 sq ft · House · built 2019 · listed 8 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded May 2020
235 Prominent Loop, McDonough 30253
$305,000 · 2 bd · 2 ba · 2,023 sq ft · House · listed 65 days ago
Cash to assume and monthly savings: Pro
-
≈2.83% estimateFHA loan, recorded Oct 2020
1126 Paramount Dr, McDonough 30253
$370,000 · 5 bd · 3 ba · 2,837 sq ft · House · listed 53 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Apr 2021
209 Suffolk Way, McDonough 30252
$439,900 · 5 bd · 3 ba · 3,132 sq ft · House · listed 24 days ago
Cash to assume and monthly savings: Pro
All 24 homes in McDonough
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 611 Wild Rose Ct (may be off market) | $299,900 | 2 | 2.25% | VA |
| 133 Cranapple Ln | $330,000 | 4 | 2.625% | VA |
| 428 Oscar Ct | $429,900 | 4 | 2.625% | FHA |
| 45 Boxwood Ct | $269,900 | 3 | ≈2.68% | FHA |
| 300 Onyx Dr | $549,900 | 5 | ≈2.74% | VA |
| 235 Prominent Loop | $305,000 | 2 | 2.75% | VA |
| 236 Leland Ln | $314,900 | 4 | 2.75% | FHA |
| 1126 Paramount Dr | $370,000 | 5 | ≈2.83% | FHA |
| 196 Ashley Dr | $409,900 | 4 | 2.875% | FHA |
| 209 Suffolk Way | $439,900 | 5 | 2.875% | FHA |
| 205 Stanley Ct (may be off market) | $499,900 | 4 | 2.99% | VA |
| 134 Avalon Dr | $725,000 | 4 | ≈3.07% | FHA |
| 1045 Matthews Way (may be off market) | $225,000 | 3 | ≈3.08% | VA |
| 112 Osier Dr | $540,000 | 5 | ≈3.1% | VA |
| 117 Watkins Glen Dr | $699,900 | 4 | 3.125% | FHA |
| 171 Barclay Dr (may be off market) | $568,999 | 5 | 3.375% | FHA |
| 3115 E Fairview Rd | $779,000 | 4 | 3.375% | FHA |
| 200 Cecil Way | $369,000 | 3 | 3.625% | FHA |
| 228 Cranapple Ln | $385,000 | 5 | 3.75% | FHA |
| 211 Alderleaf Ct | $449,900 | 4 | 3.75% | FHA |
| 121 Rosser Rd (may be off market) | $289,000 | 3 | 3.875% | FHA |
| 428 N Bethany Rd | $425,000 | 4 | 3.875% | VA |
| 2129 Dartmouth Ct | $375,000 | 5 | 4.125% | FHA |
| 309 Snapping Shoals Rd | $299,900 | 3 | 4.49% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in McDonough
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 Henry County (47 homes) · Stockbridge (10) · Locust Grove (9)
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.