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Homes for sale with assumable mortgages in Warner Robins, GA
9 homes for sale in Warner Robins 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.
- 9homes
- 6under 3%
- 2.25%lowest rate
- $98,673median cash to assume
- $362/momedian savings vs 7.36%
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Lowest-rate homes in Warner Robins
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2.25% from loan recordsVA loan, recorded Nov 2021
210 Channing Trl, Warner Robins 31088
$270,000 · 3 bd · 2 ba · 2,358 sq ft · House · built 1977 · listed 27 days ago
- Cash to assume
- $98,673
- Payment if assumed
- $745/mo
- Saves vs 7.36% today
- $436/mo
-
2.625% from loan recordsVA loan, recorded Oct 2020
223 Meadowridge Dr, Warner Robins 31093
$149,000 · 3 bd · 2 ba · 1,495 sq ft · House · built 1968 · listed 74 days ago
Cash to assume and monthly savings: Pro
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≈2.83% or lowerVA loan, recorded Oct 2020
315 Deven Ct, Warner Robins 31088
$335,000 · 4 bd · 3 ba · 2,726 sq ft · House · built 2010 · listed 179 days ago
Cash to assume and monthly savings: Pro
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2.99% from loan recordsFHA loan, recorded Oct 2021
108 Hughes Dr, Warner Robins 31093
$249,900 · 3 bd · 2 ba · 1,406 sq ft · House · built 2021 · listed 18 days ago
Cash to assume and monthly savings: Pro
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≈3.08% or lowerVA loan, recorded Mar 2021
100 Heritage Dr, Warner Robins 31093
$260,000 · 3 bd · 2 ba · 1,765 sq ft · House · built 1974 · listed 15 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsVA loan, recorded Oct 2021
631 Todd Cir, Warner Robins 31088
$249,000 · 3 bd · 2 ba · 1,858 sq ft · House · built 1971 · listed 31 days ago
Cash to assume and monthly savings: Pro
-
≈3.31% estimateFHA loan, recorded Apr 2020
507 Feagin Mill Rd, Warner Robins 31088
$159,900 · 4 bd · 1 ba · 1,276 sq ft · House · built 1976 · listed 160 days ago
Cash to assume and monthly savings: Pro
All 9 homes in Warner Robins
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 210 Channing Trl | $270,000 | 3 | 2.25% | VA |
| 223 Meadowridge Dr | $149,000 | 3 | 2.625% | VA |
| 104 Bunkers Trl (may be off market) | $375,000 | 5 | ≈2.68% | VA |
| 315 Deven Ct | $335,000 | 4 | ≈2.83% | VA |
| 226 Landings Pointe Ln (may be off market) | $409,900 | 4 | ≈2.84% | VA |
| 108 Hughes Dr | $249,900 | 3 | 2.99% | FHA |
| 100 Heritage Dr | $260,000 | 3 | ≈3.08% | VA |
| 631 Todd Cir | $249,000 | 3 | 3.25% | VA |
| 507 Feagin Mill Rd | $159,900 | 4 | ≈3.31% | 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 Warner Robins
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) · Byron (6) · 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.