Georgia › Twiggs County

Homes for sale with assumable mortgages in Twiggs County, GA

1 home for sale in Twiggs County where the buyer can take over the seller's VA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Updated November 1, 2026.

• 1home
• 0under 3%
• 3.125%lowest rate
• $381,196median cash to assume
• $413/momedian savings vs 7.24%

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Towns in Twiggs County: Macon.

Lowest-rate homes in Twiggs County

1. 3.125% from loan recordsVA loan, recorded Jan 2021

   6204 Davis Rd, Macon 31217

   $599,000 · 2 bd · 2 ba · 1,844 sq ft · House · built 1972 · listed 5 days ago

   Cash to assume

   $381,196

   Payment if assumed

   $1,071/mo

   Saves vs 7.24% today

   $413/mo

   Details · See on the map · Photos on Zillow

How assuming a mortgage works in Twiggs 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, but VA sellers strongly prefer a veteran buyer. If you aren't one, the seller's VA entitlement stays tied to the loan, on a house they no longer own, until it's paid off, and that limits their next VA loan. Expect a seller to hold out for a veteran or want something for it. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation. Why entitlement matters.
• 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.