Georgia › Catoosa County › Ringgold › 95 Creekview Dr
95 Creekview Dr, Ringgold, GA 30736
For sale at $349,900 with an assumable USDA loan recorded in January 2020. Rate 3.25%, from the loan's public records, against today's average of 7.32%.
A USDA loan needs USDA's approval to assume, and the buyer has to meet USDA's income and location rules. On a USDA guaranteed loan the rate can't go above the original loan's rate (7 CFR 3555.256); loans made directly by USDA follow different rules, so ask the servicer.
- 3.25%rate from loan records
- $349,900list price
- USDAloan type
- Jan 2020loan recorded
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Before you call about this home: see the cash it takes to assume this loan.
The home
- Bedrooms
- 3
- Bathrooms
- 2
- Square feet
- 1,450
- Type
- House
- Year built
- 1999
- County
- Catoosa County
- On the market
- 56 days as of October 25, 2026
- Price as of
- October 12, 2026
What the low rate is worth
Every $100,000 of this loan costs about $511 a month at 3.25% over the 23 years left, against $687 for a new 30-year loan at 7.32%. That's about $176 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 $410 a month: property taxes about $187 (ZIP 30736 rate, 0.64% of the price a year) and homeowners insurance about $223 (Georgia average for the price). USDA loans carry an annual fee of about 0.35% of the balance a year, which stays with the loan when it's assumed. Estimates; get an insurance quote and the county's tax bill before you count on them.
How this loan pays down
With about 23 years left at 3.25%, about half of each payment already goes to paying off the loan. On a new 30-year loan at 7.32%, it's about 1 dollar in 9.
- about 16%paid off in 5 years (a new loan: 6%)
- about 34%paid off in 10 years (a new loan: 14%)
- 2050paid off, about 23 years from now
This loan, 3.25% New 30-year loan at 7.32%
See the numbers
| After | This loan still owes | New loan still owes |
|---|---|---|
| 5 years (2031) | 84% | 94% |
| 10 years (2036) | 66% | 86% |
| 15 years (2041) | 44% | 75% |
| 20 years (2046) | 19% | 58% |
Year by year
| Year | Paid to the loan | Paid in interest | Still owed |
|---|---|---|---|
| 2026 | 3% | 3% | 97% |
| 2027 | 3% | 3% | 94% |
| 2028 | 3% | 3% | 91% |
| 2029 | 3% | 3% | 88% |
| 2030 | 3% | 3% | 84% |
| 2031 | 3% | 3% | 81% |
| 2032 | 4% | 3% | 77% |
| 2033 | 4% | 2% | 74% |
| 2034 | 4% | 2% | 70% |
| 2035 | 4% | 2% | 66% |
| 2036 | 4% | 2% | 62% |
| 2037 | 4% | 2% | 58% |
| 2038 | 4% | 2% | 53% |
| 2039 | 4% | 2% | 49% |
| 2040 | 5% | 2% | 44% |
| 2041 | 5% | 1% | 40% |
| 2042 | 5% | 1% | 35% |
| 2043 | 5% | 1% | 30% |
| 2044 | 5% | 1% | 24% |
| 2045 | 5% | 1% | 19% |
| 2046 | 6% | 1% | 13% |
| 2047 | 6% | 0% | 8% |
| 2048 | 6% | 0% | 2% |
| 2049 | 2% | 0% | 0% |
As shares of today's balance. The dollar amounts are in Pro.
Principal and interest only; taxes, insurance, and the USDA annual fee are extra. The loan is assumed to end 30 years after it was recorded. 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 USDA 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.
- USDA loan: USDA has to approve the assumption, and you have to meet USDA's income and location rules. On a USDA guaranteed loan the rate can't be set above the original loan's rate, though the term may be reset (7 CFR 3555.256); loans made directly by USDA follow different rules. Ask the servicer before counting on the low rate.
- 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 8 homes in Ringgold · Catoosa 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.