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Homes for sale with assumable mortgages in Byron, GA
6 homes for sale in Byron 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
- 4under 3%
- 2.625%lowest rate
- $117,370median cash to assume
- $316/momedian savings vs 7.36%
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Lowest-rate homes in Byron
-
2.625% from loan recordsVA loan, recorded Feb 2022
115 Dora Ln, Byron 31008
$360,000 · 3 bd · 2 ba · 2,765 sq ft · House · built 2004 · listed 38 days ago
- Cash to assume
- $63,802
- Payment if assumed
- $1,335/mo
- Saves vs 7.36% today
- $708/mo
-
2.625% from loan recordsVA loan, recorded Jan 2020
113 Christopher Dr, Byron 31008
$259,900 · 3 bd · 2 ba · 2,160 sq ft · House · built 2007 · listed 123 days ago
- Cash to assume
- $135,860
- Payment if assumed
- $594/mo
- Saves vs 7.36% today
- $261/mo
-
2.875% from loan recordsFHA loan, recorded Mar 2020
113 Derringer Ct, Byron 31008
$299,500 · 4 bd · 2 ba · 2,199 sq ft · House · built 2007 · listed 5 days ago
Cash to assume and monthly savings: Pro
-
≈2.89% or lowerVA loan, recorded Sep 2020
204 Amelia Dr, Byron 31008
$285,000 · 4 bd · 2 ba · 2,678 sq ft · House · built 2013 · listed 94 days ago
Cash to assume and monthly savings: Pro
-
≈3.45% or lowerVA loan, recorded Jan 2022
109 Alpine Dr, Byron 31008
$229,000 · 3 bd · 2 ba · 1,434 sq ft · House · built 1987 · listed 61 days ago
Cash to assume and monthly savings: Pro
-
≈3.45% or lowerVA loan, recorded Jan 2022
308 Lamplight Dr, Byron 31008
$255,000 · 2 bd · 2 ba · 1,586 sq ft · House · built 2018 · listed 116 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Byron
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 113 Christopher Dr | $259,900 | 3 | 2.625% | VA |
| 115 Dora Ln | $360,000 | 3 | 2.625% | VA |
| 113 Derringer Ct | $299,500 | 4 | 2.875% | FHA |
| 204 Amelia Dr | $285,000 | 4 | ≈2.89% | VA |
| 109 Alpine Dr | $229,000 | 3 | ≈3.45% | VA |
| 308 Lamplight Dr | $255,000 | 2 | ≈3.45% | VA |
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 Byron
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 Houston County (28 homes) · Warner Robins (9) · Kathleen (5) · Perry (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.