Georgia › Rockdale County

Homes for sale with assumable mortgages in Rockdale County, GA

15 homes for sale in Rockdale 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.

• 15homes
• 6under 3%
• 2.375%lowest rate
• $132,183median cash to assume
• $388/momedian savings vs 7.36%

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Cities

• Conyers (14)

Also in Rockdale County: Covington, McDonough.

Lowest-rate homes in Rockdale County

1. 2.375% from loan recordsVA loan, recorded Sep 2020

   1041 Forest Hills Dr SE, Conyers 30094

   $430,000 · 3 bd · 2 ba · 1,913 sq ft · House · listed 67 days ago

   Cash to assume

   $221,662

   Payment if assumed

   $952/mo

   Saves vs 7.36% today

   $485/mo

   Details · See on the map · Photos on Zillow

2. 2.375% from loan recordsFHA loan, recorded Apr 2021

   3012 River Garden Rd, Covington 30016

   $315,000 · 4 bd · 2 ba · 2,491 sq ft · House · listed 110 days ago

   Cash to assume

   $102,505

   Payment if assumed

   $954/mo

   Saves vs 7.36% today

   $511/mo

   Details · See on the map · Photos on Zillow

3. 2.5% from loan recordsVA loan, recorded Dec 2020

   4311 Derbyshire Trce SE, Conyers 30094

   $249,999 · 3 bd · 2 ba · 1,382 sq ft · House · listed 111 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

4. 2.5% from loan recordsFHA loan, recorded Oct 2021

   1966 River St NE, Conyers 30012

   $189,000 · 2 bd · 1 ba · 1,250 sq ft · House · listed 143 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

5. ≈2.74% or lowerVA loan, recorded Jan 2021

   2955 Ash Grove Dr, Conyers 30094

   $595,000 · 5 bd · 4 ba · 3,754 sq ft · House · built 2018 · listed 9 days ago

   Cash to assume and monthly savings: Pro

   Details · See on the map · Photos on Zillow

How assuming a mortgage works in Rockdale 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.