Georgia › Lowndes County › Valdosta
Homes for sale with assumable mortgages in Valdosta, GA
20 homes for sale in Valdosta 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.
- 20homes
- 9under 3%
- 2.25%lowest rate
- $112,682median cash to assume
- $300/momedian savings vs 7.36%
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Lowest-rate homes in Valdosta
-
2.25% from loan recordsVA loan, recorded Jan 2020
108 Sunnymeade Dr, Valdosta 31605
$285,000 · 3 bd · 2 ba · 2,223 sq ft · House · built 1986 · listed 137 days ago
- Cash to assume
- $155,963
- Payment if assumed
- $594/mo
- Saves vs 7.36% today
- $296/mo
-
2.375% from loan recordsVA loan, recorded Jan 2022
3980 Crusader Ct, Valdosta 31605
$360,000 · 4 bd · 3 ba · 2,336 sq ft · House · built 2020 · listed 117 days ago
Cash to assume and monthly savings: Pro
-
2.5% from loan recordsFHA loan, recorded Jan 2021
1231 Southers Ln, Valdosta 31601
$180,000 · 3 bd · 2 ba · 1,456 sq ft · Mobile home · built 2016 · listed 11 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
4952 Patton Dr, Valdosta 31605
$250,000 · 3 bd · 2 ba · 1,379 sq ft · House · built 2009 · listed 32 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Feb 2020
3683 Knights Mill Dr, Valdosta 31605
$379,900 · 4 bd · 2 ba · 1,952 sq ft · House · built 2013 · listed 136 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsVA loan, recorded Jun 2020
3892 Darian Dr, Valdosta 31605
$364,000 · 3 bd · 2 ba · 2,278 sq ft · House · built 2003 · listed 137 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2020
2934 Cotton Bay Xing, Valdosta 31605
$319,900 · 3 bd · 2 ba · 1,873 sq ft · House · built 2011 · listed 11 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsVA loan, recorded Jan 2022
2342 Pine Needle Dr N, Valdosta 31601
$219,900 · 3 bd · 2 ba · 1,764 sq ft · House · built 1978 · listed 110 days ago
Cash to assume and monthly savings: Pro
All 20 homes in Valdosta
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 108 Sunnymeade Dr | $285,000 | 3 | 2.25% | VA |
| 3980 Crusader Ct | $360,000 | 4 | 2.375% | VA |
| 1231 Southers Ln | $180,000 | 3 | 2.5% | FHA |
| 4952 Patton Dr | $250,000 | 3 | ≈2.74% | VA |
| 4139 Whithorn Way (may be off market) | $264,900 | 3 | ≈2.74% | VA |
| 3892 Darian Dr | $364,000 | 3 | 2.75% | VA |
| 3683 Knights Mill Dr | $379,900 | 4 | 2.75% | VA |
| 2934 Cotton Bay Xing | $319,900 | 3 | 2.875% | VA |
| 2342 Pine Needle Dr N | $219,900 | 3 | 2.99% | VA |
| 2202 Lakeshore Dr | $273,000 | 4 | 3.125% | VA |
| 3224 Kelsee Cir | $280,000 | 4 | 3.25% | VA |
| 2787 Timbercreek Trl | $297,500 | 3 | 3.25% | FHA |
| 3836 Rosewood Cir | $349,000 | 4 | 3.375% | VA |
| 5176 Calvary Cir | $226,000 | 3 | ≈3.62% | VA |
| 3906 Galloway St | $269,000 | 3 | ≈3.62% | VA |
| 4073 Quail Run Cir | $624,900 | 4 | ≈3.62% | VA |
| 4811 Johnson Rd S | $224,900 | 3 | 3.75% | FHA |
| 4504 Saddle Dr | $240,000 | 3 | 3.75% | VA |
| 3924 Medieval Ct | $325,000 | 4 | 4.375% | VA |
| 2562 Tuscan Way (may be off market) | $264,900 | 4 | 4.75% | 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 Valdosta
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) · Hahira (7)
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.