Georgia › Paulding County › Hiram
Homes for sale with assumable mortgages in Hiram, GA
6 homes for sale in Hiram 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
- 2under 3%
- 2.375%lowest rate
- $139,313median cash to assume
- $404/momedian savings vs 7.36%
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Lowest-rate homes in Hiram
-
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
-
2.99% from loan recordsFHA loan, recorded Jan 2021
316 Greystone Cir, Hiram 30141
$273,500 · 3 bd · 2 ba · 1,380 sq ft · House · built 2003 · listed 102 days ago
Cash to assume and monthly savings: Pro
-
3.125% from loan recordsFHA loan, recorded Jan 2022
236 Shenandoah Dr, Hiram 30141
$360,000 · 3 bd · 2 ba · 1,813 sq ft · House · built 2004 · listed 163 days ago
Cash to assume and monthly savings: Pro
-
3.35% from loan recordsFHA loan, recorded Jan 2021
189 Hiram Park Dr, Hiram 30141
$355,000 · 3 bd · 2 ba · 1,931 sq ft · House · built 2021 · listed 54 days ago
Cash to assume and monthly savings: Pro
-
≈3.62% or lowerVA loan, recorded Jan 2020
171 Berkford Cir, Hiram 30141
$475,000 · 5 bd · 3 ba · 3,600 sq ft · House · built 2017 · listed 39 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsVA loan, recorded Jan 2021
6 Trailside Way, Hiram 30141
$320,000 · 3 bd · 2 ba · 1,862 sq ft · House · built 2006 · listed 97 days ago
Cash to assume and monthly savings: Pro
All 6 homes in Hiram
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 90 Trailview Ln | $324,900 | 3 | 2.375% | FHA |
| 316 Greystone Cir | $273,500 | 3 | 2.99% | FHA |
| 236 Shenandoah Dr | $360,000 | 3 | 3.125% | FHA |
| 189 Hiram Park Dr | $355,000 | 3 | 3.35% | FHA |
| 171 Berkford Cir | $475,000 | 5 | ≈3.62% | VA |
| 6 Trailside Way | $320,000 | 3 | 3.75% | 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 Hiram
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) · Dallas (28)
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.