Georgia › Richmond County › Hephzibah
Homes for sale with assumable mortgages in Hephzibah, GA
8 homes for sale in Hephzibah 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.
- 8homes
- 3under 3%
- 2.74%lowest rate
- $80,895median cash to assume
- $284/momedian savings vs 7.36%
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Lowest-rate homes in Hephzibah
-
≈2.74% or lowerVA loan, recorded Jan 2021
2542 Inverness Dr, Hephzibah 30815
$274,900 · 3 bd · 2 ba · 1,691 sq ft · House · built 2018 · listed 69 days ago
- Cash to assume
- $78,201
- Payment if assumed
- $926/mo
- Saves vs 7.36% today
- $431/mo
-
2.75% from loan recordsVA loan, recorded Jan 2021
2933 Arrowwood Cir, Hephzibah 30815
$289,900 · 3 bd · 2 ba · 2,191 sq ft · House · built 1995 · listed 36 days ago
Cash to assume and monthly savings: Pro
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2.875% from loan recordsFHA loan, recorded Jan 2020
3614 San Sebastian Dr, Hephzibah 30815
$185,000 · 3 bd · 2 ba · 1,461 sq ft · House · built 1976 · listed 104 days ago
Cash to assume and monthly savings: Pro
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3.25% from loan recordsFHA loan, recorded Jan 2021
3525 Stafford St, Hephzibah 30815
$165,000 · 3 bd · 2 ba · 1,246 sq ft · House · built 1991 · listed 45 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsVA loan, recorded Jan 2022
3762 Fairington Dr, Hephzibah 30815
$174,000 · 3 bd · 3 ba · 1,632 sq ft · House · built 1982 · listed 71 days ago
Cash to assume and monthly savings: Pro
-
3.25% from loan recordsVA loan, recorded Jan 2020
3863 Wendell St, Hephzibah 30815
$171,400 · 3 bd · 2 ba · 1,300 sq ft · Mobile home · built 1979 · listed 87 days ago
Cash to assume and monthly savings: Pro
-
4.5% from loan recordsVA loan, recorded Jan 2022
2672 New Hope Cir, Hephzibah 30815
$345,900 · 4 bd · 2,308 sq ft · House · listed 62 days ago
Cash to assume and monthly savings: Pro
All 8 homes in Hephzibah
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 2542 Inverness Dr | $274,900 | 3 | ≈2.74% | VA |
| 2933 Arrowwood Cir | $289,900 | 3 | 2.75% | VA |
| 3614 San Sebastian Dr | $185,000 | 3 | 2.875% | FHA |
| 1233 Paramount Ct (may be off market) | $325,900 | 4 | 3% | VA |
| 3525 Stafford St | $165,000 | 3 | 3.25% | FHA |
| 3863 Wendell St | $171,400 | 3 | 3.25% | VA |
| 3762 Fairington Dr | $174,000 | 3 | 3.25% | VA |
| 2672 New Hope Cir | $345,900 | 4 | 4.5% | 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 Hephzibah
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) · Augusta (18)
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.