Georgia › Muscogee County › Columbus
Homes for sale with assumable mortgages in Columbus, GA
6 homes for sale in Columbus 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.
- 6homes
- 3under 3%
- 2.74%lowest rate
- $80,567median cash to assume
- $250/momedian savings vs 7.36%
See all 6 Columbus homes on the map No account needed. Create a free account to save homes and searches.
Lowest-rate homes in Columbus
-
≈2.74% or lowerVA loan, recorded Jan 2021
154 Wendell Dr, Columbus 31904
$135,000 · 3 bd · 1 ba · 1,576 sq ft · House · built 1957 · listed 52 days ago
- Cash to assume
- $61,368
- Payment if assumed
- $347/mo
- Saves vs 7.36% today
- $161/mo
-
2.99% from loan recordsVA loan, recorded Jan 2020
6350 Olde Towne Dr, Columbus 31907
$160,000 · 3 bd · 2 ba · 1,427 sq ft · House · built 1984 · listed 37 days ago
Cash to assume and monthly savings: Pro
-
2.99% from loan recordsVA loan, recorded Jan 2021
4508 Sears Rd, Columbus 31907
$399,900 · 4 bd · 3 ba · 3,165 sq ft · House · built 1980 · listed 114 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
4309 Castlewood Ct, Columbus 31907
$315,000 · 3 bd · 3 ba · 2,524 sq ft · House · built 1981 · listed 131 days ago
Cash to assume and monthly savings: Pro
-
4% from loan recordsFHA loan, recorded Jan 2022
3950 Savannah Dr, Columbus 31907
$185,000 · 3 bd · 2 ba · 1,663 sq ft · House · built 1964 · listed 93 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Columbus
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 154 Wendell Dr | $135,000 | 3 | ≈2.74% | VA |
| 6350 Olde Towne Dr | $160,000 | 3 | 2.99% | VA |
| 4508 Sears Rd | $399,900 | 4 | 2.99% | VA |
| 10 Kingswood Ct (may be off market) | $235,000 | 4 | 3.5% | VA |
| 4309 Castlewood Ct | $315,000 | 3 | ≈3.62% | VA |
| 3950 Savannah Dr | $185,000 | 3 | 4% | FHA |
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 Columbus
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 Muscogee County (8 homes)
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.