Georgia › Whitfield County
Homes for sale with assumable mortgages in Whitfield County, GA
6 homes for sale in Whitfield 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.
- 6homes
- 3under 3%
- 2.75%lowest rate
- $145,413median cash to assume
- $275/momedian savings vs 7.36%
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Towns in Whitfield County: Cohutta, Dalton, Rocky Face.
Lowest-rate homes in Whitfield County
-
2.75% from loan recordsVA loan, recorded Jan 2022
195 Gateway Dr, Rocky Face 30740
$595,000 · 3 bd · 3 ba · 2,829 sq ft · House · built 1993 · listed 97 days ago
- Cash to assume
- $247,562
- Payment if assumed
- $1,592/mo
- Saves vs 7.36% today
- $804/mo
-
2.875% from loan recordsFHA loan, recorded Jan 2021
1975 Freeport Rd NW, Dalton 30720
$275,000 · 3 bd · 2 ba · 1,290 sq ft · House · built 2019 · listed 4 days ago
Cash to assume and monthly savings: Pro
-
2.875% from loan recordsVA loan, recorded Jan 2022
407 Overlook Way, Cohutta 30710
$575,000 · 5 bd · 4 ba · 5,150 sq ft · House · built 2003 · listed 109 days ago
Cash to assume and monthly savings: Pro
-
3.5% from loan recordsFHA loan, recorded Jan 2020
3084 Striplin Trl, Dalton 30721
$235,900 · 3 bd · 2 ba · 1,159 sq ft · House · built 2020 · listed 44 days ago
Cash to assume and monthly savings: Pro
-
3.875% from loan recordsFHA loan, recorded Feb 2022
4128 E Jimmy Dr, Rocky Face 30740
$260,000 · 3 bd · 2 ba · 1,470 sq ft · House · built 1999 · listed 51 days ago
Cash to assume and monthly savings: Pro
All 6 homes
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 195 Gateway Dr | Rocky Face | $595,000 | 3 | 2.75% | VA |
| 1975 Freeport Rd NW | Dalton | $275,000 | 3 | 2.875% | FHA |
| 407 Overlook Way | Cohutta | $575,000 | 5 | 2.875% | VA |
| 3084 Striplin Trl | Dalton | $235,900 | 3 | 3.5% | FHA |
| 4128 E Jimmy Dr | Rocky Face | $260,000 | 3 | 3.875% | FHA |
| 1900 Mountain Brook Dr | Dalton | $319,900 | 4 | ≈4.17% | FHA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Whitfield 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.