Georgia › Pierce County
Homes for sale with assumable mortgages in Pierce County, GA
8 homes for sale in Pierce 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.
- 8homes
- 6under 3%
- 2.375%lowest rate
- $126,144median cash to assume
- $326/momedian savings vs 7.36%
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Cities
- Blackshear (8)
Lowest-rate homes in Pierce County
-
2.375% from loan recordsVA loan, recorded Aug 2021
3475 Moore St, Blackshear 31516
$269,900 · 3 bd · 2 ba · 1,694 sq ft · House · built 2012 · listed 157 days ago
- Cash to assume
- $136,917
- Payment if assumed
- $591/mo
- Saves vs 7.36% today
- $326/mo
-
2.481% from loan recordsFHA loan, recorded Jan 2021
2027 Ellis Ln, Blackshear 31516
$284,900 · 3 bd · 2 ba · 1,739 sq ft · House · built 1995 · listed 42 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
3477 Moore St, Blackshear 31516
$275,000 · 3 bd · 2 ba · 1,796 sq ft · House · built 2014 · listed 52 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsFHA loan, recorded Jan 2021
319 Owen St, Blackshear 31516
$219,000 · 3 bd · 2 ba · 1,225 sq ft · House · built 2005 · listed 25 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2021
109 Plantation Pines Dr, Blackshear 31516
$374,900 · 4 bd · 2 ba · 2,067 sq ft · House · built 2014 · listed 96 days ago
Cash to assume and monthly savings: Pro
How assuming a mortgage works in Pierce 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.