Georgia › Troup County › Lagrange
Homes for sale with assumable mortgages in Lagrange, GA
7 homes for sale in Lagrange 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.
- 7homes
- 3under 3%
- 2.74%lowest rate
- $179,172median cash to assume
- $239/momedian savings vs 7.36%
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Lowest-rate homes in Lagrange
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≈2.74% estimateFHA loan, recorded Jan 2021
3015 1/2 Old West Point Rd, Lagrange 30240
$450,000 · 3 bd · 2 ba · 2,709 sq ft · House · built 1960 · listed 65 days ago
- Cash to assume
- $347,685
- Payment if assumed
- $482/mo
- Saves vs 7.36% today
- $224/mo
-
2.75% from loan recordsFHA loan, recorded Jan 2021
235 Flatcreek Dr, Lagrange 30241
$329,900 · 4 bd · 2 ba · 1,921 sq ft · House · built 2021 · listed 54 days ago
Cash to assume and monthly savings: Pro
-
3% from loan recordsFHA loan, recorded Jan 2021
113 Franklin Way, Lagrange 30240
$309,900 · 4 bd · 2 ba · 1,853 sq ft · House · built 1990 · listed 16 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsVA loan, recorded Jan 2020
208 Foxdale Ct, Lagrange 30240
$314,000 · 3 bd · 3 ba · 2,469 sq ft · House · built 1998 · listed 69 days ago
Cash to assume and monthly savings: Pro
-
3.625% from loan recordsFHA loan, recorded Jan 2021
103 Saddlebrook Ct, Lagrange 30240
$247,000 · 3 bd · 2 ba · 1,422 sq ft · House · built 1996 · listed 40 days ago
Cash to assume and monthly savings: Pro
All 7 homes in Lagrange
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 206 Sturbridge Dr (may be off market) | $395,000 | 3 | ≈2.74% | VA |
| 3015 1/2 Old West Point Rd | $450,000 | 3 | ≈2.74% | FHA |
| 235 Flatcreek Dr | $329,900 | 4 | 2.75% | FHA |
| 113 Franklin Way | $309,900 | 4 | 3% | FHA |
| 429 Jasmine Cir (may be off market) | $299,900 | 4 | 3.125% | FHA |
| 208 Foxdale Ct | $314,000 | 3 | 3.5% | VA |
| 103 Saddlebrook Ct | $247,000 | 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 Lagrange
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 Troup County (8 homes)
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.