Reports › October 2026
Georgia assumable mortgage report, October 2026. Listings as of October 21, 2026.
559 Georgia homes for sale come with a mortgage under 3% the buyer can take over
That's half of the 1,126 Georgia listings with an FHA, VA, or USDA loan from 2020 to early 2022, loans a qualified buyer can assume at the seller's rate. A new 30-year mortgage averages 7.36% this week.
See the numbers
| Rate | VA | FHA | USDA | All |
|---|---|---|---|---|
| 2.25% | 51 | 17 | 0 | 68 |
| 2.375% | 17 | 17 | 0 | 34 |
| 2.5% | 31 | 29 | 0 | 60 |
| 2.625% | 31 | 26 | 0 | 57 |
| 2.75% | 119 | 76 | 0 | 195 |
| 2.875% | 46 | 44 | 1 | 91 |
| 3% | 40 | 67 | 0 | 107 |
| 3.125% | 23 | 67 | 0 | 90 |
| 3.25% | 19 | 60 | 0 | 79 |
| 3.375% | 14 | 26 | 0 | 40 |
| 3.5% | 35 | 34 | 0 | 69 |
| 3.625% | 44 | 52 | 0 | 96 |
| 3.75% | 15 | 35 | 1 | 51 |
| 3.875% | 3 | 17 | 0 | 20 |
| 4% | 6 | 14 | 0 | 20 |
| 4.125% | 1 | 10 | 0 | 11 |
| 4.25% | 1 | 12 | 0 | 13 |
| 4.375% | 2 | 5 | 0 | 7 |
| 4.5% | 1 | 5 | 0 | 6 |
| 4.625% | 0 | 6 | 0 | 6 |
| 4.75% | 1 | 1 | 0 | 2 |
| 4.875% | 0 | 2 | 0 | 2 |
| 5% | 0 | 1 | 0 | 1 |
| 5.75% | 1 | 0 | 0 | 1 |
- homes for sale with an assumable loan, in 105 counties
- 1,126
- of them under 3%
- 559
- median rate
- 3.00%
- median savings a month against a new loan
- $420
- median cash to assume
- $150,169
- median list price
- $368,900
What the lower rate is worth
The typical assumable loan here is 4.36 points under today's rate. For every $100,000 of loan, that's about $206 a month: $484 on an assumed loan at 3.00% with 24 years left, against $690 on a new 30-year loan at 7.36%. Across the 1,115 homes we can figure it for, the median saving is $420 a month in principal and interest.
The catch: cash to assume
Taking over a loan means taking over its balance, so the buyer pays the seller the rest of the price: in cash, or partly with a second loan when the servicer allows one. For the middle half of these homes that's between $102,582 and $219,649; the median is $150,169. 46 homes need less than $50,000.
VA loans carry the lowest rates
501 homes have a VA loan, at a median 2.83%; 316 of them are under 3%. Anyone who qualifies can assume a VA loan, veteran or not (how it works). 623 have an FHA loan, at a median 3.13%; the buyer has to live in the home (FHA guide).
| Loan | Homes | Median rate | Under 3% | Median price | Median cash to assume | Median savings a month |
|---|---|---|---|---|---|---|
| VA | 501 | 2.83% | 316 | $380,000 | $158,343 | $465 |
| FHA | 623 | 3.13% | 242 | $358,990 | $145,806 | $390 |
| USDA | 2 | 3.76% | 1 | $410,000 | $252,379 | $312 |
Where they are
Gwinnett County has the most, with 101. Among counties with 30 or more, Columbia has the lowest median rate, 2.75%.
See the numbers
| County | Homes | Median rate | Under 3% | Median cash to assume |
|---|---|---|---|---|
| Gwinnett | 101 | 3.08% | 44 | $182,724 |
| Fulton | 64 | 2.99% | 33 | $120,642 |
| Cobb | 61 | 2.83% | 40 | $180,092 |
| Columbia | 51 | 2.75% | 30 | $133,621 |
| Henry | 47 | 3.10% | 20 | $122,956 |
| DeKalb | 42 | 3.00% | 20 | $108,424 |
| Paulding | 42 | 3.13% | 20 | $142,273 |
| Chatham | 38 | 3.25% | 16 | $173,140 |
| Cherokee | 32 | 2.99% | 18 | $255,403 |
| Clayton | 31 | 3.02% | 14 | $100,530 |
| Effingham | 27 | 3.11% | 12 | $196,379 |
| Houston | 27 | 2.88% | 18 | $120,966 |
| Douglas | 25 | 3.00% | 12 | $147,564 |
| Lowndes | 25 | 2.99% | 13 | $116,029 |
| Coweta | 22 | 3.00% | 11 | $205,141 |
| Fayette | 21 | 2.75% | 12 | $240,557 |
| Glynn | 21 | 2.88% | 11 | $179,404 |
| Floyd | 20 | 3.25% | 6 | $130,202 |
| Bartow | 19 | 3.13% | 8 | $137,076 |
| Liberty | 19 | 3.13% | 9 | $108,163 |
| Richmond | 18 | 2.88% | 10 | $78,201 |
| Barrow | 17 | 3.25% | 7 | $180,816 |
| Hall | 17 | 3.13% | 6 | $192,212 |
| Forsyth | 16 | 2.99% | 12 | $292,028 |
| Newton | 15 | 3.38% | 4 | $114,448 |
| Rockdale | 15 | 3.13% | 5 | $170,842 |
| Jackson | 13 | 3.13% | 5 | $153,718 |
| Bibb | 12 | 3.08% | 6 | $139,723 |
| Spalding | 12 | 2.99% | 7 | $124,130 |
| Walker | 12 | 2.88% | 8 | $121,685 |
| Walton | 12 | 2.88% | 7 | $187,594 |
| Carroll | 11 | 3.00% | 5 | $134,043 |
| Camden | 10 | 3.00% | 5 | $158,452 |
| Bryan | 9 | 3.00% | 4 | $206,867 |
| Gordon | 8 | 3.13% | 2 | $148,461 |
| Troup | 8 | 3.13% | 3 | $206,881 |
| Bulloch | 7 | 3.13% | 2 | $144,340 |
| Butts | 7 | 3.38% | 2 | $200,711 |
| Muscogee | 7 | 3.50% | 2 | $87,230 |
| Pierce | 7 | 2.88% | 5 | $126,144 |
| Dawson | 6 | 2.77% | 5 | $215,588 |
| Habersham | 6 | 3.50% | 2 | $215,304 |
| Whitfield | 6 | 3.50% | 3 | $145,413 |
| Fannin | 5 | 2.74% | 5 | $335,412 |
| Gilmer | 5 | 2.75% | 3 | $161,022 |
| Haralson | 5 | 3.25% | 1 | $149,676 |
| Long | 5 | 2.99% | 3 | $62,188 |
| Monroe | 5 | 2.75% | 4 | $143,256 |
| Baldwin | 4 | 2.99% | 3 | $632,766 |
| Clarke | 4 | 3.75% | 0 | $171,761 |
| Pickens | 4 | 3.99% | 2 | $225,705 |
| Tift | 4 | 3.99% | 1 | $73,909 |
| Union | 4 | 2.75% | 4 | $229,673 |
| Ware | 4 | 3.13% | 2 | $122,441 |
| Wayne | 4 | 2.88% | 3 | $90,690 |
| White | 4 | 3.75% | 0 | $385,318 |
| Catoosa | 3 | 2.75% | 2 | $118,418 |
| Coffee | 3 | 3.25% | 1 | $131,957 |
| Harris | 3 | 2.75% | 3 | $156,952 |
| Lamar | 3 | 3.45% | 0 | $99,855 |
| Lumpkin | 3 | 2.74% | 2 | $404,653 |
| Morgan | 3 | 2.74% | 2 | $366,340 |
| Peach | 3 | 3.45% | 1 | $117,370 |
| Rabun | 3 | 3.13% | 1 | $256,176 |
| Stephens | 3 | 2.75% | 3 | $300,345 |
| Banks | 2 | 3.25% | 1 | $361,911 |
| Brooks | 2 | 3.63% | 1 | $193,081 |
| Cook | 2 | 2.88% | 2 | $105,008 |
| Dade | 2 | 3.62% | 0 | $603,388 |
| Franklin | 2 | 4.63% | 1 | $279,553 |
| Greene | 2 | 2.74% | 2 | $657,576 |
| Hart | 2 | 3.13% | 0 | $374,164 |
| Jasper | 2 | 3.50% | 1 | $103,293 |
| Lanier | 2 | 3.45% | 1 | $86,845 |
| Laurens | 2 | 3.75% | 0 | $86,135 |
| Madison | 2 | 2.88% | 2 | $129,584 |
| Polk | 2 | 2.75% | 2 | $194,594 |
| Tattnall | 2 | 3.13% | 0 | $65,415 |
| Toombs | 2 | 3.88% | 1 | $143,563 |
| Towns | 2 | 4.25% | 0 | $185,280 |
| Upson | 2 | 3.25% | 1 | $60,675 |
| Bacon | 1 | 3.75% | 0 | $19,739 |
| Berrien | 1 | 2.25% | 1 | $128,018 |
| Burke | 1 | 2.47% | 1 | $87,088 |
| Clinch | 1 | 3.25% | 0 | $139,181 |
| Dougherty | 1 | 3.75% | 0 | $30,282 |
| Elbert | 1 | 2.25% | 1 | $140,766 |
| Hancock | 1 | 2.32% | 1 | $421,520 |
| Jefferson | 1 | 2.88% | 1 | $101,937 |
| Jenkins | 1 | 2.75% | 1 | $122,313 |
| Jones | 1 | 3.75% | 0 | $61,497 |
| Lee | 1 | 3.62% | 0 | $166,837 |
| McDuffie | 1 | 4.13% | 0 | $54,668 |
| McIntosh | 1 | 2.99% | 1 | $116,119 |
| Meriwether | 1 | 3.38% | 0 | $52,402 |
| Murray | 1 | 2.99% | 1 | $56,989 |
| Oconee | 1 | 3.13% | 0 | $460,521 |
| Oglethorpe | 1 | 3.13% | 0 | $135,459 |
| Pike | 1 | 3.13% | 0 | $337,762 |
| Putnam | 1 | 2.63% | 1 | $327,761 |
| Talbot | 1 | 2.38% | 1 | $72,539 |
| Thomas | 1 | 2.49% | 1 | $396,377 |
| Treutlen | 1 | 2.75% | 1 | $2,563,114 |
| Wilkes | 1 | 2.75% | 1 | $401,526 |
| Wilkinson | 1 | 2.50% | 1 | $106,117 |
Cities with the most homes
Homes worth a look
A few of this month's listings, each with its rate from the loan's public records. At their rates, every $100,000 of loan costs $196 to $248 less a month than a new one. Prices are as listed when we found them; check the listing before you call.
-
The lowest rate on the market
2.25%VA loan from the loan's public records, recorded Jan 2021
1508 James Wilson Dr, Vidalia 30474
$235,000 house, 3 bd, 2 ba, 1,560 sq ft
-
The lowest-rate FHA loan
2.25%FHA loan from the loan's public records, recorded May 2021
2610 Burt Creek Rd, Dawsonville 30534
$329,900 house, 3 bd, 2 ba, 1,216 sq ft
-
The lowest price under 3%
2.99%FHA loan from the loan's public records, recorded Jan 2021
136 Meriwether Ln NW, Milledgeville 31061
$149,999 mobile home, 3 bd, 2 ba, 1,792 sq ft
-
The most room under 3%, at $500,000 or less
2.99%FHA loan from the loan's public records, recorded Apr 2020
672 Mill Creek Trl, Jonesboro 30238
$360,000 house, 4 bd, 2 ba, 3,920 sq ft
See all 1,126 homes on the map No account needed. Create a free account to save homes and searches.
Using these numbers
Reporters, bloggers, and agents are welcome to quote this report and use its charts. Please credit Find Assumables and link to this page.
Find Assumables, "Georgia assumable mortgage report, October 2026," www.findassumables.com/reports/2026-10/
Want a different cut of the data, or a county we didn't break out? Email joey@thompsonswe.com.
How we count
- Which homes: Georgia homes listed for sale whose first mortgage is an FHA, VA, or USDA loan recorded from January 2020 to March 2022, matched from public records and MLS data. Those loans can be assumed by a qualified buyer; most conventional loans can't.
- Rates: for 896 homes, the loan's actual rate from public loan records (HUD's FHA records or the lender's federal HMDA report). The other 230 are estimates from Freddie Mac's average rate in the month the loan was recorded.
- Balances and cash to assume: the original loan amount from public records, paid down on schedule to today; cash to assume is the list price minus that. Homes whose balance doesn't look right are left out of those figures.
- Savings: principal and interest on the same balance, the assumed loan over its remaining term against a new 30-year loan at Freddie Mac's latest weekly average (7.36%). Taxes, insurance, and mortgage insurance aren't included.
- Freshness: homes that sell or come off the market are checked for every night and removed, but our data can lag the market, so a home can stay listed after it sells. On October 21, 2026 we looked up 20 of these homes, picked at random, on a major listing site: 16 were for sale, 1 under contract, and 3 had come off the market. The counts here may run high by about that share. The homes named above were all listed within the 45 days before the snapshot.
- This page won't change. It's a snapshot taken October 21, 2026; next month's report will say what moved.
Find Assumables isn't a lender, brokerage, or advisor, and nothing here is advice. Whether a loan can be assumed, and on what terms, is up to the loan's servicer.