1/11

4.875% assumableActive

$450,000

Veribas Valuation $491,000asking 8% belowhow we got this

Assumable 4.875% FHA loan

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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Offer insights

Choose an offer strength

List price: $450,000

$445K–$449K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $491,000 — asking sits below our value; strong offers here still buy under market.

Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.

Payment calculator

$3,232/mo

Principal, interest & taxes · $4,113/mo with home insurance and HOA

Principal & interest$2,782

Property taxes$450

Home insurance$131

HOA$750

Down payment$45,000 (10%)

Interest rate7.320%

Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Assumable loan

Assumable 4.875% FHA loan

The listing says a qualified buyer can take over the seller’s existing FHA mortgage and keep its 4.875% rate. The low rate covers only the loan balance; the rest of the price is yours to bring, in cash or with a second loan.

Rate (per listing)

4.875% (not an APR)

Lender

Not published

Loan term

Not published

Started

April 2025

The rate is as the listing agent states it in the description. Ask below and we’ll confirm it, the lender and the loan term with the listing agent.

About $158/mo less per $100,000 of balance you assume, compared with a new 30-year loan at today’s 7.32% national average.

What you’d bring to closing

Loan balance you take over (paid down on schedule from the original loan)$

At 4.875%, about 29 years left$2,320/mo

Gap between price and balance$18,300

Finance part of the gap with a second loan (up to 90% of the price combined)

Cash to assume$18,300

Principal & interest$2,320/mo

Plus closing costs, taxes and insurance. The second-loan rate is an assumption you can change, not a quote. A lender prices the real one.

Finance the rest of the down payment

A partner lender can quote a second loan for the gap and check you for the assumption.

More homes with assumable loans

Down payment assistance

Upper-income census tract 13157010106 · Jackson County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).