Georgia › Liberty County
Homes for sale with assumable mortgages in Liberty County, GA
19 homes for sale in Liberty 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.
- 19homes
- 9under 3%
- 2.74%lowest rate
- $108,163median cash to assume
- $311/momedian savings vs 7.36%
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Cities
- Hinesville (14)
Also in Liberty County: Allenhurst, Midway.
Lowest-rate homes in Liberty County
-
≈2.74% or lowerVA loan, recorded Jan 2021
215 Barbour Ln, Hinesville 31313
$251,400 · 4 bd · 2 ba · 1,800 sq ft · House · built 2018 · listed 27 days ago
- Cash to assume
- $96,344
- Payment if assumed
- $730/mo
- Saves vs 7.36% today
- $339/mo
-
≈2.74% or lowerVA loan, recorded Jan 2021
643 Fairview Cir, Hinesville 31313
$300,000 · 3 bd · 2 ba · 2,000 sq ft · House · built 2021 · listed 96 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
656 Mahoney Rd, Hinesville 31313
$224,900 · 3 bd · 2 ba · 1,576 sq ft · House · built 1976 · listed 122 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
37 Douglas Rd, Allenhurst 31301
$245,000 · 3 bd · 2 ba · 1,469 sq ft · House · built 2021 · listed 125 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
1411 Desert Storm Dr, Hinesville 31313
$200,000 · 3 bd · 2 ba · 1,064 sq ft · House · built 1994 · listed 135 days ago
Cash to assume and monthly savings: Pro
Homes in other Liberty County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 37 Douglas Rd | Allenhurst | $245,000 | 3 | ≈2.74% | VA |
| 175 Old Sikes Rd | Midway | $394,990 | 4 | ≈2.74% | VA |
| 91 Holly Cir | Midway | $250,000 | 2 | 3.25% | FHA |
| 141 Powers Dr | Midway | $330,000 | 4 | 3.25% | VA |
| 149 Vandiver Rd | Allenhurst | $269,900 | 3 | ≈3.45% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Liberty 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.