Georgia › Richmond County › Augusta
Homes for sale with assumable mortgages in Augusta, GA
18 homes for sale in Augusta 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.
- 18homes
- 10under 3%
- 2.25%lowest rate
- $76,447median cash to assume
- $228/momedian savings vs 7.36%
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Lowest-rate homes in Augusta
-
2.25% from loan recordsFHA loan, recorded Jan 2021
3138 Edinburgh Dr, Augusta 30909
$357,500 · 3 bd · 2 ba · 1,808 sq ft · House · built 1963 · listed 29 days ago
- Cash to assume
- $173,070
- Payment if assumed
- $823/mo
- Saves vs 7.36% today
- $449/mo
-
2.375% from loan recordsVA loan, recorded Sep 2021
3520 Tullocks Hill Dr, Augusta 30906
$176,000 · 3 bd · 2 ba · 1,439 sq ft · House · built 2004 · listed 159 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2021
3622 Audubon Pl, Augusta 30906
$160,000 · 3 bd · 1 ba · 1,352 sq ft · House · built 1970 · listed 129 days ago
Cash to assume and monthly savings: Pro
-
2.723% from loan recordsVA loan, recorded Jan 2022
1442 Johns Rd, Augusta 30904
$249,900 · 2 bd · 1 ba · 1,421 sq ft · House · built 1926 · listed 160 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
2131 Veterans Dr, Augusta 30909
$99,500 · 3 bd · 1 ba · 1,161 sq ft · House · built 1959 · listed 73 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
2329 Wheeless Rd, Augusta 30906
$199,900 · 5 bd · 1 ba · 2,052 sq ft · House · built 1946 · listed 108 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
3314 Southern Pines Dr, Augusta 30906
$197,000 · 3 bd · 1,496 sq ft · House · listed 160 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
2117 Sibley Rd, Augusta 30909
$169,000 · 3 bd · 2 ba · 1,550 sq ft · House · built 1962 · listed 11 days ago
Cash to assume and monthly savings: Pro
All 18 homes in Augusta
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 3138 Edinburgh Dr | $357,500 | 3 | 2.25% | FHA |
| 3520 Tullocks Hill Dr | $176,000 | 3 | 2.375% | VA |
| 3622 Audubon Pl | $160,000 | 3 | 2.625% | FHA |
| 1442 Johns Rd | $249,900 | 2 | 2.723% | VA |
| 2131 Veterans Dr | $99,500 | 3 | ≈2.74% | FHA |
| 3314 Southern Pines Dr | $197,000 | 3 | ≈2.74% | FHA |
| 2329 Wheeless Rd | $199,900 | 5 | ≈2.74% | FHA |
| 3896 Harper Franklin Ave (may be off market) | $269,000 | 3 | ≈2.74% | VA |
| 2117 Sibley Rd | $169,000 | 3 | 2.75% | FHA |
| 2238 Lee St | $197,500 | 3 | 2.75% | VA |
| 3209 Alpine Rd | $124,999 | 3 | 3.125% | VA |
| 4343 Ridge Cliff Dr | $235,000 | 3 | 3.25% | VA |
| 1715 Fairwood Dr | $199,900 | 3 | 3.375% | VA |
| 2407 Wrightsboro Rd | $465,000 | 5 | 3.5% | VA |
| 2845 Rocky Creek Rd | $135,000 | 2 | ≈3.62% | VA |
| 335 Indian Trl (may be off market) | $249,900 | 3 | ≈3.62% | VA |
| 1326 Martinique Dr | $265,000 | 3 | ≈3.62% | VA |
| 2169 Pepperidge Dr | $195,000 | 3 | 3.625% | 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 Augusta
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 Richmond County (26 homes) · Hephzibah (8)
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.