Georgia › Tift County
Homes for sale with assumable mortgages in Tift County, GA
4 homes for sale in Tift 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.
- 4homes
- 1under 3%
- 2.75%lowest rate
- $73,909median cash to assume
- $387/momedian savings vs 7.36%
See all 4 on the map No account needed. Create a free account to save homes and searches.
Towns in Tift County: Tifton.
Lowest-rate homes in Tift County
-
3.25% from loan recordsFHA loan, recorded Jan 2021
1137 Windsor Dr, Tifton 31794
$255,000 · 5 bd · 3 ba · 2,116 sq ft · House · built 1979 · listed 3 days ago
- Cash to assume
- $95,111
- Payment if assumed
- $795/mo
- Saves vs 7.36% today
- $308/mo
-
3.99% from loan recordsVA loan, recorded Jan 2022
162 Brookfield Lenox Rd, Tifton 31794
$158,500 · 3 bd · 1 ba · 1,984 sq ft · House · built 1940 · listed 59 days ago
Cash to assume and monthly savings: Pro
-
3.99% from loan recordsVA loan, recorded Jan 2022
2608 Davis Ave, Tifton 31794
$269,000 · 4 bd · 2 ba · 2,728 sq ft · House · built 1985 · listed 129 days ago
Cash to assume and monthly savings: Pro
All 4 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 1221 Ridge Ave N (may be off market) | Tifton | $259,900 | 3 | 2.75% | VA |
| 1137 Windsor Dr | Tifton | $255,000 | 5 | 3.25% | FHA |
| 162 Brookfield Lenox Rd | Tifton | $158,500 | 3 | 3.99% | VA |
| 2608 Davis Ave | Tifton | $269,000 | 4 | 3.99% | VA |
How assuming a mortgage works in Tift 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.
See every Georgia county.
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.