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Homes for sale with assumable mortgages in Perry, GA
5 homes for sale in Perry 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
- 4under 3%
- 2.25%lowest rate
- $103,810median cash to assume
- $397/momedian savings vs 7.36%
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Lowest-rate homes in Perry
-
2.25% from loan recordsVA loan, recorded Jul 2021
361 Spyglass Hill Dr, Perry 31069
$245,000 · 2 bd · 2 ba · 1,495 sq ft · House · built 2005 · listed 60 days ago
- Cash to assume
- $133,119
- Payment if assumed
- $492/mo
- Saves vs 7.36% today
- $280/mo
-
2.25% from loan recordsVA loan, recorded Feb 2021
304 Old Windmill Rd, Perry 31069
$637,000 · 6 bd · 4 ba · 3,942 sq ft · House · built 2007 · listed 79 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsVA loan, recorded Nov 2021
117 Milford Cir, Perry 31069
$268,500 · 3 bd · 2 ba · 1,608 sq ft · House · built 2019 · listed 25 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
105 Mcewen Ct, Perry 31069
$285,000 · 4 bd · 2 ba · 1,903 sq ft · House · built 2018 · listed 72 days ago
Cash to assume and monthly savings: Pro
-
4% from loan recordsFHA loan, recorded Mar 2022
102 Sadie Heights Blvd, Perry 31069
$275,000 · 4 bd · 2 ba · 1,506 sq ft · House · built 2021 · listed 26 days ago
Cash to assume and monthly savings: Pro
All 5 homes in Perry
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 361 Spyglass Hill Dr | $245,000 | 2 | 2.25% | VA |
| 304 Old Windmill Rd | $637,000 | 6 | 2.25% | VA |
| 117 Milford Cir | $268,500 | 3 | 2.375% | VA |
| 105 Mcewen Ct | $285,000 | 4 | ≈2.74% | VA |
| 102 Sadie Heights Blvd | $275,000 | 4 | 4% | 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 Perry
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) · 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.