Georgia › Glynn County › Brunswick › 159 Winding Trl
159 Winding Trl, Brunswick, GA 31523
For sale at $612,500 with an assumable VA loan recorded in June 2021. Estimated rate ≈2.98% or lower, against today's average of 7.24%.
- ≈2.98%estimated rate
- $612,500list price
- VAloan type
- Jun 2021loan recorded
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Before you call about this home: see the cash it takes to assume this loan.
The home
- Bedrooms
- 4
- Bathrooms
- 3
- Square feet
- 2,429
- Lot
- 1.05 acres (45,738 sq ft)
- Type
- House
- Stories
- 1
- Year built
- 2006
- HOA
- None on record
- Flood zone
- Zone X: moderate to low risk
- County
- Glynn County
- School district
- Glynn County schools. High schools score 92.8 out of 100 on Georgia's CCRPI, #1 of 179 districts (confirm schools with the district)
- On the market
- 3 days as of November 1, 2026
- Price as of
- November 1, 2026
What the low rate is worth
Every $100,000 of this loan costs about $571 a month at ≈2.98% over the 19 years left, against $681 for a new 30-year loan at 7.24%. That's about $110 a month less for each $100,000 you take over.
How much cash would this home take? Cash to assume is the price minus the seller's loan balance. It decides whether you can take over this loan, so know it before you call about the home.
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Taxes and insurance add about $641 a month: property taxes about $291 (ZIP 31523 rate, 0.57% of the price a year) and homeowners insurance about $350 (Georgia average for the price). Estimates; get an insurance quote and the county's tax bill before you count on them.
How this loan pays down
With about 19 years left at an estimated 2.98%, about 57% of each payment already goes to paying off the loan. On a new 30-year loan at 7.24%, it's about 1 dollar in 9.
- about 21%paid off in 5 years (a new loan: 6%)
- about 45%paid off in 10 years (a new loan: 14%)
- 2046paid off, about 19 years from now
This loan, estimated 2.98% (shaded: 2.48% to 3.48%) New 30-year loan at 7.24%
See the numbers
| After | This loan still owes | New loan still owes |
|---|---|---|
| 5 years (2031) | 79% (78–80%) | 94% |
| 10 years (2036) | 55% (54–56%) | 86% |
| 15 years (2041) | 27% (26–28%) | 75% |
| 20 years (2046) | 0% | 58% |
In brackets: if the real rate is half a point lower or higher than our estimate.
Principal and interest only; taxes and insurance are extra. The rate is estimated from the loan type and the month it was recorded, and the loan is assumed to end on its recorded maturity date. Ask the listing agent for the servicer's payoff statement before you count on these numbers.
Before you make an offer
- Ask the listing agent to confirm the loan is a VA loan and that the seller is open to an assumption.
- Get the exact balance, rate, and payment from the seller's loan servicer. Ours are estimates from public records.
- Plan how you'll cover the seller's equity: cash, or a second loan if the servicer allows one.
- VA loan: anyone who qualifies can assume it, but the seller will likely prefer a veteran buyer. If you're not a veteran, the seller's VA entitlement stays tied to this loan until it's paid off, which limits their next VA loan, so expect them to weigh that. Expect a 0.5% VA funding fee (waived for veterans with VA disability compensation) and a servicer fee of up to about $700 in Georgia plus the credit report. VA assumption guide.
- The servicer's approval usually takes longer than closing a new loan, so ask early.
More in how it works and what to check.
Not sure you can make this work?
Ask about this loan before you call the listing agent: how much cash you'd really need, whether a 2nd loan is likely, and what the servicer will want from you. Free, by email, no account needed.
Talk to an assumption expert Answered by Joey Thompson, who runs Find Assumables. Not a real estate agent.
Sold, or something wrong here? Tell us · Listing agent? Confirm the loan · Your home? Ask us to take it down
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All 17 homes in Brunswick · Glynn County · All of Georgia
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.