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Homes for sale with assumable mortgages in Dallas, GA
28 homes for sale in Dallas 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.
- 28homes
- 14under 3%
- 2.25%lowest rate
- $141,697median cash to assume
- $495/momedian savings vs 7.36%
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Lowest-rate homes in Dallas
-
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 Aug 2020
1199 Olde Bridge Dr, Dallas 30157
$350,000 · 3 bd · 2 ba · 1,932 sq ft · House · listed 139 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
-
≈2.74% estimateFHA loan, recorded Jan 2021
104 S Fortune Way, Dallas 30157
$330,000 · 4 bd · 2 ba · 3,285 sq ft · House · built 2020 · listed 10 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
187 Hunters Trl, Dallas 30157
$380,000 · 4 bd · 2 ba · 2,712 sq ft · House · built 1999 · listed 99 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% or lowerVA loan, recorded Jan 2021
34 Alder Lndg N, Dallas 30132
$535,000 · 5 bd · 3 ba · 3,135 sq ft · House · built 2017 · listed 132 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2022
58 Stonedell Dr, Dallas 30157
$399,900 · 4 bd · 2 ba · 1,776 sq ft · House · built 2018 · listed 124 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
229 Sweet Bay Ln, Dallas 30132
$419,900 · 5 bd · 3 ba · 2,870 sq ft · House · built 2021 · listed 136 days ago
Cash to assume and monthly savings: Pro
All 28 homes in Dallas
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 829 Riverwalk Manor Dr (may be off market) | $575,000 | 5 | 2.25% | VA |
| 670 Silver Oak Dr | $450,000 | 4 | 2.375% | VA |
| 76 Lantana Xing (may be off market) | $369,900 | 4 | 2.45% | FHA |
| 1199 Olde Bridge Dr | $350,000 | 3 | 2.5% | VA |
| 39 Gunnell Rd (may be off market) | $338,000 | 3 | 2.625% | VA |
| 448 Summer Creek Dr | $359,500 | 4 | 2.625% | FHA |
| 104 S Fortune Way | $330,000 | 4 | ≈2.74% | FHA |
| 187 Hunters Trl | $380,000 | 4 | ≈2.74% | FHA |
| 34 Alder Lndg N | $535,000 | 5 | ≈2.74% | VA |
| 58 Stonedell Dr | $399,900 | 4 | 2.75% | FHA |
| 229 Sweet Bay Ln | $419,900 | 5 | 2.75% | FHA |
| 111 Twin Pines Ct | $275,000 | 3 | 2.875% | FHA |
| 415 Fieldcrest Dr | $360,000 | 4 | 2.99% | FHA |
| 148 Stanbrough Dr | $385,000 | 3 | 2.99% | VA |
| 80 Virginia Rdg (may be off market) | $499,900 | 4 | 3% | VA |
| 511 Shady Gln | $349,997 | 4 | 3.125% | FHA |
| 102 Reservation Vw | $335,000 | 5 | 3.25% | FHA |
| 1214 Marshall Fuller Rd | $283,900 | 3 | ≈3.45% | FHA |
| 347 Viola Dr | $374,400 | 3 | ≈3.45% | VA |
| 403 Bramlett Ridge Dr | $393,000 | 3 | ≈3.45% | VA |
| 141 Mulberry Dr | $300,000 | 4 | 3.5% | FHA |
| 305 Shoals Trl | $340,000 | 5 | ≈3.62% | FHA |
| 239 Rosemary Lndg | $369,900 | 2 | ≈3.62% | VA |
| 313 Vineyard Dr | $499,900 | 3 | ≈3.62% | FHA |
| 117 Park Chase Ln (may be off market) | $415,000 | 4 | 3.625% | FHA |
| 48 Park Chase Ct | $419,990 | 4 | 3.625% | FHA |
| 66 Buck Trl | $385,000 | 4 | 3.875% | FHA |
| 307 Valley View Trl | $425,000 | 5 | 4.125% | 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 Dallas
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 Paulding County (46 homes) · Hiram (6)
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.