Georgia › Long County

Homes for sale with assumable mortgages in Long County, GA

5 homes for sale in Long County where the buyer can take over the seller's VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.

• 5homes
• 3under 3%
• 2.74%lowest rate
• $62,188median cash to assume
• $361/momedian savings vs 7.36%

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Cities

• Ludowici (5)

Lowest-rate homes in Long County

1. ≈2.74% or lowerVA loan, recorded Jan 2021

   233 Cypress Creek Dr NE, Ludowici 31316

   $335,000 · 4 bd · 2 ba · 2,394 sq ft · House · built 2021 · listed 3 days ago

   Cash to assume

   $108,937

   Payment if assumed

   $1,064/mo

   Saves vs 7.36% today

   $495/mo

   Details · See on the map · Photos on Zillow

2. 2.99% from loan recordsVA loan, recorded Jan 2021

   302 Hardee Rd NE, Ludowici 31316

   $189,900 · 3 bd · 2 ba · 1,464 sq ft · House · built 1985 · listed 129 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

3. 3.5% from loan recordsVA loan, recorded Jan 2022

   212 Fairview Dr NE, Ludowici 31316

   $340,000 · 5 bd · 3 ba · 2,438 sq ft · House · built 2020 · listed 170 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

4. ≈3.62% or lowerVA loan, recorded Jan 2020

   94 Long Way St NE, Ludowici 31316

   $337,236 · 5 bd · 2 ba · 2,848 sq ft · House · built 2014 · listed 94 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

How assuming a mortgage works in Long 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.