Georgia › Paulding County
Homes for sale with assumable mortgages in Paulding County, GA
46 homes for sale in Paulding County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 46homes
- 22under 3%
- 2.25%lowest rate
- $141,697median cash to assume
- $404/momedian savings vs 7.36%
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Cities
Also in Paulding County: Acworth, Douglasville, Powder Springs, Temple, Villa Rica.
Lowest-rate homes in Paulding County
-
2.25% from loan recordsVA loan, recorded Jan 2021
107 Heatherwood Trce, Acworth 30101
$499,900 · 4 bd · 3 ba · 2,401 sq ft · House · built 2003 · listed 61 days ago
- Cash to assume
- $137,788
- Payment if assumed
- $1,616/mo
- Saves vs 7.36% today
- $882/mo
-
2.375% from loan recordsFHA loan, recorded Jan 2021
90 Trailview Ln, Hiram 30141
$324,900 · 3 bd · 2 ba · 2,178 sq ft · House · built 2020 · listed 65 days ago
- Cash to assume
- $105,771
- Payment if assumed
- $991/mo
- Saves vs 7.36% today
- $520/mo
-
2.375% from loan recordsVA loan, recorded Jan 2022
670 Silver Oak Dr, Dallas 30132
$450,000 · 4 bd · 3 ba · 2,557 sq ft · House · built 2016 · listed 115 days ago
- Cash to assume
- $193,270
- Payment if assumed
- $1,127/mo
- Saves vs 7.36% today
- $643/mo
-
2.5% from loan recordsVA loan, recorded Jan 2021
468 Sweetwater Church Rd, Douglasville 30134
$1,300,000 · 4 bd · 3 ba · 3,591 sq ft · House · built 1997 · listed 76 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2020
448 Summer Creek Dr, Dallas 30157
$359,500 · 4 bd · 3 ba · 2,736 sq ft · House · built 2000 · listed 16 days ago
Cash to assume and monthly savings: Pro
Homes in other Paulding County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 51 Meadow Spring Ct | Temple | $274,900 | 4 | 3.25% | FHA |
| 169 Carter Creek Pl | Temple | $316,000 | 3 | 4.625% | FHA |
How assuming a mortgage works in Paulding 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.