Georgia › Houston County › Centerville
Homes for sale with assumable mortgages in Centerville, GA
5 homes for sale in Centerville where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Today's average 30-year rate is 7.32%. Updated October 23, 2026.
- 5homes
- 3under 3%
- 2.75%lowest rate
- $175,956median cash to assume
- $393/momedian savings vs 7.32%
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Lowest-rate homes in Centerville
-
2.75% from loan recordsVA loan, recorded Sep 2021
805 Arbor Ln, Centerville 31028
$354,500 · 4 bd · 2 ba · 2,189 sq ft · House · built 2011 · listed 77 days ago
- Cash to assume
- $175,956
- Payment if assumed
- $826/mo
- Saves vs 7.32% today
- $401/mo
-
≈2.9% or lowerVA loan, recorded Sep 2021
115 Orchard Ln, Centerville 31028
$465,000 · 2 bd · 2 ba · 2,828 sq ft · House · built 1999 · listed 105 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
2.99% from loan recordsFHA loan, recorded Oct 2021
220 Carrington Ln, Centerville 31028
$258,900 · 3 bd · 2 ba · 1,744 sq ft · House · built 2001 · listed 22 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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≈3.06% or lowerVA loan, recorded Apr 2021
100 Jamestown Ct, Centerville 31028
$375,000 · 3 bd · 2 ba · 3,080 sq ft · House · built 2005 · listed 179 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.25% from loan recordsFHA loan, recorded Sep 2020
105 Macintosh Ln, Centerville 31028
$355,000 · 4 bd · 2 ba · 2,329 sq ft · House · built 2005 · listed 48 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 5 homes in Centerville
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 805 Arbor Ln | $354,500 | 4 | 2.75% | VA |
| 115 Orchard Ln | $465,000 | 2 | ≈2.9% | VA |
| 220 Carrington Ln | $258,900 | 3 | 2.99% | FHA |
| 100 Jamestown Ct | $375,000 | 3 | ≈3.06% | VA |
| 105 Macintosh Ln | $355,000 | 4 | 3.25% | 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 Centerville
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, but VA sellers strongly prefer a veteran buyer. If you aren't one, the seller's VA entitlement stays tied to the loan, on a house they no longer own, until it's paid off, and that limits their next VA loan. Expect a seller to hold out for a veteran or want something for it. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation. Why entitlement matters.
- 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 (30 homes) · Warner Robins (9) · Byron (6) · Perry (6) · Kathleen (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.