Georgia › Walton County
Homes for sale with assumable mortgages in Walton County, GA
13 homes for sale in Walton 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.
- 13homes
- 8under 3%
- 2.25%lowest rate
- $187,594median cash to assume
- $439/momedian savings vs 7.36%
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Cities
- Monroe (5)
Also in Walton County: Covington, Good Hope, Loganville, Social Circle.
Lowest-rate homes in Walton County
-
2.25% from loan recordsVA loan, recorded Jan 2021
8521 Parkview Ct, Monroe 30656
$499,000 · 5 bd · 3 ba · 2,515 sq ft · House · built 2000 · listed 19 days ago
- Cash to assume
- $187,594
- Payment if assumed
- $1,389/mo
- Saves vs 7.36% today
- $758/mo
-
2.375% from loan recordsVA loan, recorded Jan 2022
334 Annslee Cir, Loganville 30052
$410,000 · 3 bd · 2 ba · 2,622 sq ft · House · built 2004 · listed 100 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsFHA loan, recorded Jan 2022
4208 Logans Ter, Loganville 30052
$365,000 · 5 bd · 2 ba · 2,297 sq ft · House · built 1998 · listed 105 days ago
Cash to assume and monthly savings: Pro
-
≈2.74% estimateFHA loan, recorded Jan 2021
572 Bryson Trl, Monroe 30655
$325,000 · 4 bd · 2 ba · 2,002 sq ft · House · built 2021 · listed 59 days ago
Cash to assume and monthly savings: Pro
-
2.75% from loan recordsFHA loan, recorded Jan 2021
217 Forrester Cemetery Rd, Covington 30014
$459,000 · 3 bd · 2 ba · 2,334 sq ft · House · built 1970 · listed 10 days ago
Cash to assume and monthly savings: Pro
Homes in other Walton County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 684 Ragan Ct | Social Circle | $380,000 | 4 | 2.875% | VA |
| 2644 Nunnally Shoals Rd (may be off market) | Good Hope | $339,900 | 3 | 4% | FHA |
How assuming a mortgage works in Walton 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.