Georgia › Henry County › Stockbridge
Homes for sale with assumable mortgages in Stockbridge, GA
10 homes for sale in Stockbridge 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.
- 10homes
- 5under 3%
- 2.25%lowest rate
- $114,437median cash to assume
- $463/momedian savings vs 7.36%
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Lowest-rate homes in Stockbridge
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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
-
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
-
2.5% from loan recordsVA loan, recorded Oct 2021
7454 Pine Brook Rd, Stockbridge 30281
$265,000 · 3 bd · 2 ba · 1,770 sq ft · House · listed 110 days ago
Cash to assume and monthly savings: Pro
-
≈2.98% estimateFHA loan, recorded Jun 2021
179 Summer Leigh Dr, Stockbridge 30281
$355,000 · 4 bd · 2 ba · 2,567 sq ft · House · listed 122 days ago
Cash to assume and monthly savings: Pro
-
≈3.16% estimateFHA loan, recorded Jun 2020
411 Azure Ct, Stockbridge 30281
$409,900 · 6 bd · 3 ba · 4,353 sq ft · House · listed 11 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jun 2020
145 Northmill Pkwy, Stockbridge 30281
$562,900 · 6 bd · 4 ba · 4,097 sq ft · House · listed 130 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsFHA loan, recorded Jun 2021
572 Sprayberry Dr, Stockbridge 30281
$310,000 · 4 bd · 2 ba · 2,311 sq ft · House · listed 26 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Mar 2022
655 Mays Rd, Stockbridge 30281
$599,900 · 4 bd · 2 ba · 3,766 sq ft · House · listed 60 days ago
Cash to assume and monthly savings: Pro
All 10 homes in Stockbridge
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 120 Carriage Cir (may be off market) | $205,000 | 3 | 2.25% | VA |
| 114 Copeland Ln | $269,900 | 3 | 2.25% | FHA |
| 7454 Pine Brook Rd | $265,000 | 3 | 2.5% | VA |
| 232 Rugged Creek Dr | $425,000 | 4 | 2.5% | VA |
| 179 Summer Leigh Dr | $355,000 | 4 | ≈2.98% | FHA |
| 103 Oak Cir S (may be off market) | $169,900 | 2 | 3.125% | FHA |
| 411 Azure Ct | $409,900 | 6 | ≈3.16% | FHA |
| 145 Northmill Pkwy | $562,900 | 6 | 3.5% | FHA |
| 572 Sprayberry Dr | $310,000 | 4 | 3.625% | FHA |
| 655 Mays Rd | $599,900 | 4 | 3.75% | 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 Stockbridge
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) · McDonough (24) · 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.