Georgia › Ware County › Waycross
Homes for sale with assumable mortgages in Waycross, GA
5 homes for sale in Waycross where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to mid-2022, when 30-year rates were mostly under 4%. Today's average 30-year rate is 7.32%. Updated October 25, 2026.
- 5homes
- 2under 3%
- 2.475%lowest rate
- $58,158median cash to assume
- $221/momedian savings vs 7.32%
2 of these homes need under $50,000 cash to assume. Pro shows which ones and sorts every home by the cash it takes: $19 a month or $45 for 90 days.
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Lowest-rate homes in Waycross
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2.475% from loan recordsFHA loan, recorded Jan 2021
800 Richmond Ave, Waycross 31501
$149,900 · 3 bd · 1 ba · 2,074 sq ft · House · built 1965 · listed 97 days ago
- Cash to assume
- $44,217
- Payment if assumed
- $483/mo
- Saves vs 7.32% today
- $243/mo
-
2.5% from loan recordsFHA loan, recorded Jan 2021
904 Orchard Ln, Waycross 31501
$289,000 · 3 bd · 2 ba · 2,412 sq ft · House · built 1975 · listed 156 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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3.125% from loan recordsFHA loan, recorded Jan 2021
610 Poplar St, Waycross 31501
$149,900 · 3 bd · 1 ba · 1,200 sq ft · House · built 1962 · listed 94 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
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4.625% from loan recordsVA loan, recorded May 2022
2158 Cherokee St, Waycross 31503
$199,900 · 3 bd · 2 ba · 1,744 sq ft · House · built 1940 · listed 24 days ago
Cash to assume and monthly savings: see them free (3 homes with an account) or with Pro
All 5 homes in Waycross
| Home | Price | Beds | Rate | Loan |
|---|---|---|---|---|
| 800 Richmond Ave | $149,900 | 3 | 2.475% | FHA |
| 904 Orchard Ln | $289,000 | 3 | 2.5% | FHA |
| 610 Poplar St | $149,900 | 3 | 3.125% | FHA |
| 1400 E Cherokee Dr (may be off market) | $279,900 | 3 | 3.625% | FHA |
| 2158 Cherokee St | $199,900 | 3 | 4.625% | VA |
See them on the map, with filters for price, size, beds, and rate.
How assuming a mortgage works in Waycross
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.
Nearby
All of Ware County (5 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.