Georgia › White County
Homes for sale with assumable mortgages in White County, GA
4 homes for sale in White 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.
- 4homes
- 0under 3%
- 3.375%lowest rate
- $385,318median cash to assume
- $465/momedian savings vs 7.36%
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Towns in White County: Cleveland, Sautee Nacoochee.
Lowest-rate homes in White County
-
3.375% from loan recordsFHA loan, recorded Jan 2021
266 Enota Dr, Sautee Nacoochee 30571
$555,000 · 3 bd · 3 ba · 3,246 sq ft · House · built 1999 · listed 44 days ago
- Cash to assume
- $385,318
- Payment if assumed
- $855/mo
- Saves vs 7.36% today
- $316/mo
-
≈3.62% or lowerVA loan, recorded Jan 2020
337 Claystone Walk, Cleveland 30528
$351,000 · 4 bd · 2 ba · 1,484 sq ft · House · built 2001 · listed 43 days ago
Cash to assume and monthly savings: Pro
-
3.75% from loan recordsFHA loan, recorded Jan 2022
294 Rainbow Cir, Cleveland 30528
$409,900 · 4 bd · 2 ba · 1,708 sq ft · House · built 2022 · listed 56 days ago
Cash to assume and monthly savings: Pro
All 4 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 266 Enota Dr | Sautee Nacoochee | $555,000 | 3 | 3.375% | FHA |
| 337 Claystone Walk | Cleveland | $351,000 | 4 | ≈3.62% | VA |
| 294 Rainbow Cir | Cleveland | $409,900 | 4 | 3.75% | FHA |
| 1050 Ricky West Rd (may be off market) | Cleveland | $1,585,000 | 4 | 3.75% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in White 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.