Georgia › Union County
Homes for sale with assumable mortgages in Union County, GA
4 homes for sale in Union County where the buyer can take over the seller's FHA, VA or USDA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 4homes
- 4under 3%
- 2.25%lowest rate
- $229,673median cash to assume
- $339/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 Union County: Blairsville, Young Harris.
Lowest-rate homes in Union County
-
2.5% from loan recordsFHA loan, recorded Jan 2021
15 Dale Dr, Blairsville 30512
$449,999 · 3 bd · 3 ba · 2,836 sq ft · House · built 1995 · listed 134 days ago
- Cash to assume
- $201,293
- Payment if assumed
- $1,141/mo
- Saves vs 7.36% today
- $575/mo
-
2.75% from loan recordsFHA loan, recorded Jan 2021
280 Old Beech Rd, Blairsville 30512
$342,500 · 3 bd · 2 ba · 1,568 sq ft · Mobile home · built 2020 · listed 9 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsUSDA loan, recorded Jan 2020
578 Dockery Creek Rd, Young Harris 30582
$410,000 · 2 bd · 2 ba · 1,680 sq ft · House · built 2006 · listed 118 days ago
Cash to assume and monthly savings: Pro
All 4 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 279 Cindy Cove Rd (may be off market) | Blairsville | $330,000 | 3 | 2.25% | VA |
| 15 Dale Dr | Blairsville | $449,999 | 3 | 2.5% | FHA |
| 280 Old Beech Rd | Blairsville | $342,500 | 3 | 2.75% | FHA |
| 578 Dockery Creek Rd | Young Harris | $410,000 | 2 | 2.875% | USDA |
How assuming a mortgage works in Union 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.