Georgia › Houston County › Kathleen
Homes for sale with assumable mortgages in Kathleen, GA
5 homes for sale in Kathleen 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.
- 5homes
- 3under 3%
- 2.75%lowest rate
- $133,495median cash to assume
- $433/momedian savings vs 7.36%
See all 5 Kathleen homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Kathleen
-
2.75% from loan recordsVA loan, recorded Sep 2020
111 Grove Ln, Kathleen 31047
$299,999 · 4 bd · 2 ba · 1,995 sq ft · House · built 1998 · listed 134 days ago
- Cash to assume
- $120,966
- Payment if assumed
- $852/mo
- Saves vs 7.36% today
- $383/mo
-
≈2.83% or lowerVA loan, recorded Oct 2020
211 White Columns Dr, Kathleen 31047
$479,900 · 5 bd · 3 ba · 3,466 sq ft · House · built 1999 · listed 19 days ago
Cash to assume and monthly savings: Pro
-
≈2.83% or lowerVA loan, recorded Oct 2020
125 Amberley Ct, Kathleen 31047
$374,900 · 4 bd · 2 ba · 2,595 sq ft · House · built 2020 · listed 170 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsFHA loan, recorded Jul 2020
5 Star Moss Ct, Kathleen 31047
$465,000 · 5 bd · 3 ba · 3,145 sq ft · House · built 2020 · listed 60 days ago
Cash to assume and monthly savings: Pro
-
4.25% from loan recordsFHA loan, recorded Jun 2020
325 Pearl Moss Ln, Kathleen 31047
$345,000 · 5 bd · 3 ba · 2,655 sq ft · House · built 2020 · listed 153 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Kathleen
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 111 Grove Ln | $299,999 | 4 | 2.75% | VA |
| 125 Amberley Ct | $374,900 | 4 | ≈2.83% | VA |
| 211 White Columns Dr | $479,900 | 5 | ≈2.83% | VA |
| 5 Star Moss Ct | $465,000 | 5 | 3.625% | FHA |
| 325 Pearl Moss Ln | $345,000 | 5 | 4.25% | 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 Kathleen
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) · Byron (6) · 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.