Georgia › Jackson County
Homes for sale with assumable mortgages in Jackson County, GA
14 homes for sale in Jackson County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 14homes
- 5under 3%
- 2.5%lowest rate
- $157,490median cash to assume
- $390/momedian savings vs 7.36%
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Cities
- Hoschton (6)
Also in Jackson County: Commerce, Jefferson, Maysville, Nicholson, Pendergrass, Talmo.
Lowest-rate homes in Jackson County
-
2.5% from loan recordsFHA loan, recorded Jan 2022
4483 Links Blvd, Jefferson 30549
$439,900 · 4 bd · 3 ba · 2,290 sq ft · House · built 2021 · listed 4 days ago
- Cash to assume
- $128,043
- Payment if assumed
- $1,389/mo
- Saves vs 7.36% today
- $762/mo
-
2.5% from loan recordsFHA loan, recorded Jan 2021
49 Thornhill Cir, Jefferson 30549
$499,700 · 4 bd · 3 ba · 2,603 sq ft · House · built 2002 · listed 39 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
351 Pepin Ct, Hoschton 30548
$429,900 · 5 bd · 3 ba · 2,739 sq ft · House · built 2021 · listed 89 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2022
440 Starbuck Pkwy, Pendergrass 30567
$359,900 · 5 bd · 2 ba · 2,430 sq ft · House · built 2021 · listed 131 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsFHA loan, recorded Jan 2021
81 Mead Ct, Hoschton 30548
$349,000 · 3 bd · 2 ba · 1,790 sq ft · House · built 2021 · listed 179 days ago
Cash to assume and monthly savings: Pro
Homes in other Jackson County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 4483 Links Blvd | Jefferson | $439,900 | 4 | 2.5% | FHA |
| 49 Thornhill Cir | Jefferson | $499,700 | 4 | 2.5% | FHA |
| 440 Starbuck Pkwy | Pendergrass | $359,900 | 5 | 2.875% | VA |
| 565 Williford St (may be off market) | Commerce | $268,000 | 2 | 3.125% | FHA |
| 176 Woodpecker Ln | Nicholson | $325,000 | 3 | 3.125% | FHA |
| 505 Gadwall Cir | Jefferson | $545,000 | 5 | 3.125% | FHA |
| 300 Allen Bridge Rd | Talmo | $358,000 | 4 | 3.25% | FHA |
| 755 Walnut Creek Cir | Pendergrass | $340,000 | 4 | ≈3.62% | FHA |
| 646 Ivy Creek Dr | Nicholson | $257,500 | 3 | 3.75% | VA |
| 958 Hale Rd | Maysville | $379,000 | 3 | 4.375% | FHA |
| 477 Starbuck Pkwy | Pendergrass | $359,900 | 5 | 4.625% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Jackson County
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.
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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.