Georgia › Jackson County › Hoschton
Homes for sale with assumable mortgages in Hoschton, GA
6 homes for sale in Hoschton 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.
- 6homes
- 4under 3%
- 2.25%lowest rate
- $298,217median cash to assume
- $559/momedian savings vs 7.36%
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Lowest-rate homes in Hoschton
-
2.25% from loan recordsVA loan, recorded Aug 2020
3960 Bonnett Creek Ln, Hoschton 30548
$899,000 · 6 bd · 5 ba · 6,184 sq ft · House · listed 51 days ago
- Cash to assume
- $566,692
- Payment if assumed
- $1,502/mo
- Saves vs 7.36% today
- $790/mo
-
≈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
-
2.75% from loan recordsVA loan, recorded Jan 2021
5918 Deer Chase Ln, Hoschton 30548
$574,900 · 4 bd · 3 ba · 2,735 sq ft · House · built 2005 · listed 38 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
-
3.125% from loan recordsFHA loan, recorded Aug 2021
4617 Waxwing St, Hoschton 30548
$445,000 · 5 bd · 2 ba · 2,275 sq ft · House · built 2021 · listed 10 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Hoschton
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 3960 Bonnett Creek Ln | $899,000 | 6 | 2.25% | VA |
| 351 Pepin Ct | $429,900 | 5 | ≈2.74% | VA |
| 5918 Deer Chase Ln | $574,900 | 4 | 2.75% | VA |
| 81 Mead Ct | $349,000 | 3 | 2.99% | FHA |
| 4617 Waxwing St | $445,000 | 5 | 3.125% | FHA |
| 753 Timpelton Ct (may be off market) | $475,000 | 4 | 3.625% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
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How assuming a mortgage works in Hoschton
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 Jackson County (14 homes)
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.