Georgia › Lowndes County › Hahira
Homes for sale with assumable mortgages in Hahira, GA
7 homes for sale in Hahira 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.
- 7homes
- 5under 3%
- 2.25%lowest rate
- $133,646median cash to assume
- $469/momedian savings vs 7.36%
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Lowest-rate homes in Hahira
-
2.25% from loan recordsVA loan, recorded Jan 2021
6072 Providence Pt, Hahira 31632
$875,000 · 5 bd · 3 ba · 3,735 sq ft · House · built 2017 · listed 73 days ago
- Cash to assume
- $601,297
- Payment if assumed
- $1,221/mo
- Saves vs 7.36% today
- $666/mo
-
2.875% from loan recordsVA loan, recorded Jan 2021
209 Redbird Pl, Hahira 31632
$275,000 · 3 bd · 2 ba · 1,796 sq ft · House · built 2004 · listed 23 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Jan 2021
222 Mill Pond Cir, Hahira 31632
$250,000 · 3 bd · 2 ba · 1,606 sq ft · House · built 1997 · listed 27 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2021
121 Audrey Ln, Hahira 31632
$379,000 · 4 bd · 2 ba · 2,131 sq ft · House · built 2020 · listed 150 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsVA loan, recorded Jan 2022
3904 Bettys Pl, Hahira 31632
$308,900 · 4 bd · 2 ba · 2,238 sq ft · House · built 2021 · listed 32 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jan 2020
5172 Carlton Ridge Cir, Hahira 31632
$389,900 · 4 bd · 3 ba · 2,270 sq ft · House · built 2007 · listed 65 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Hahira
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 6072 Providence Pt | $875,000 | 5 | 2.25% | VA |
| 5255 Carlton Ridge Cir (may be off market) | $355,000 | 4 | 2.375% | VA |
| 222 Mill Pond Cir | $250,000 | 3 | 2.875% | FHA |
| 209 Redbird Pl | $275,000 | 3 | 2.875% | VA |
| 121 Audrey Ln | $379,000 | 4 | 2.875% | VA |
| 3904 Bettys Pl | $308,900 | 4 | 3% | VA |
| 5172 Carlton Ridge Cir | $389,900 | 4 | 3.125% | FHA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Hahira
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 Lowndes County (27 homes) · Valdosta (20)
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.