Georgia › Liberty County › Midway
Homes for sale with assumable mortgages in Midway, GA
6 homes for sale in Midway where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Today's average 30-year rate is 7.32%. Updated October 25, 2026.
- 6homes
- 1under 3%
- 2.74%lowest rate
- $171,735median cash to assume
- $403/momedian savings vs 7.32%
1 of these homes needs under $50,000 cash to assume. Pro shows which one and sorts every home by the cash it takes: $19 a month or $45 for 90 days.
See all 6 Midway homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Midway
-
≈2.74% or lowerVA loan, recorded Jan 2021
175 Old Sikes Rd, Midway 31320
$394,990 · 4 bd · 3 ba · 2,262 sq ft · House · built 2016 · listed 149 days ago
- Cash to assume
- $208,455
- Payment if assumed
- $878/mo
- Saves vs 7.32% today
- $403/mo
-
3% from loan recordsVA loan, recorded Jan 2022
205 Oak Harvest Rdg, Midway 31320
$259,900 · 3 bd · 2 ba · 1,420 sq ft · House · built 2013 · listed 5 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.25% from loan recordsVA loan, recorded Jan 2020
141 Powers Dr, Midway 31320
$330,000 · 4 bd · 2 ba · 2,256 sq ft · House · built 2016 · listed 29 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.25% from loan recordsFHA loan, recorded Jan 2021
91 Holly Cir, Midway 31320
$250,000 · 2 bd · 2 ba · 1,540 sq ft · House · built 1996 · listed 58 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
3.875% from loan recordsVA loan, recorded Feb 2022
3120 Fort Morris Rd, Midway 31320
$525,000 · 3 bd · 3 ba · 2,400 sq ft · House · built 2005 · listed 166 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
-
4.625% from loan recordsVA loan, recorded May 2022
1477 Lake Dr, Midway 31320
$319,000 · 3 bd · 2 ba · 2,618 sq ft · House · built 1972 · listed 26 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 6 homes in Midway
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 175 Old Sikes Rd | $394,990 | 4 | ≈2.74% | VA |
| 205 Oak Harvest Rdg | $259,900 | 3 | 3% | VA |
| 91 Holly Cir | $250,000 | 2 | 3.25% | FHA |
| 141 Powers Dr | $330,000 | 4 | 3.25% | VA |
| 3120 Fort Morris Rd | $525,000 | 3 | 3.875% | VA |
| 1477 Lake Dr | $319,000 | 3 | 4.625% | VA |
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 Midway
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, but VA sellers strongly prefer a veteran buyer. If you aren't one, the seller's VA entitlement stays tied to the loan, on a house they no longer own, until it's paid off, and that limits their next VA loan. Expect a seller to hold out for a veteran or want something for it. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation. Why entitlement matters.
- 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 Liberty County (22 homes) · Hinesville (14)
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.