Owner Financing Homes in Augusta, GA
Yes, you can buy owner financing homes in Augusta, GA and Columbia County without a bank loan. A Georgia attorney closes, and the deed is recorded in your name.
- Evans, Grovetown, Martinez and Augusta
- Fort Eisenhower and hospital income welcome
- Attorney-run Georgia closing
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
- Deed in your name at closing
- No balloon payment
- No minimum credit score
- ITIN holders welcome
Who this works for in Augusta
Augusta runs on an Army post, a medical district and the plants along the Savannah River. A lot of that work comes with orders, contracts and moves that confuse a lender.
Soldiers and families at Fort Eisenhower
Cyber and signal units bring families to Augusta for years at a time. Owning in Grovetown or Evans beats renting near the gate.
Hospital and medical school staff
Augusta's medical district employs nurses, residents and techs on contracts and rotating shifts. Real income with a short track record.
Savannah River Site and plant workers
Contractors at the site across the river and plant workers in the region earn well, often on contracts that renew year to year.
Buyers moving up from a starter rental
Augusta homes cost less than most of Georgia, so a $250,000 to $350,000 budget buys a newer house with room to grow.
What a Augusta home costs right now
Source: Redfin housing market data, three months ending September 2026.
Augusta-Richmond County's median sale price was about $215,000 in September 2026, below the program's $250,000 starting point. The newer homes most of our buyers want sit in Columbia County, in Evans, Grovetown and Martinez, where prices are higher and inventory is steady.
Homes took about 60 days to sell at about 97 percent of list. At 20 percent down, a $275,000 Grovetown home needs $55,000.
Where in Augusta we help buyers
Most Augusta-area buyers we help look in Columbia County: Evans, Martinez, Grovetown and Appling. In Richmond County, west Augusta and the Summerville neighborhood have homes in range. Some buyers cross the river to North Augusta and Aiken in South Carolina. Richmond County deeds are recorded with the Richmond County Clerk of Superior Court, and Columbia County deeds with the Columbia County Clerk of Superior Court.
For closing costs and tax breaks that apply across the state, see owner financing in Georgia.
Three steps to your Augusta home.
What buying in Augusta looks like from first call to keys.
Get your letter
Freddy reviews your pay, deposit and timeline. If you're on orders, tell him your report date.
Pick three homes
Evans, Grovetown, Martinez or west Augusta. Builder inventory works too, and Columbia County has plenty of it.
Close with a Georgia attorney
An attorney runs closing and records your deed with the county Clerk of Superior Court.
Tips for buying in Augusta
Look at builder inventory in Columbia County. Grovetown and Evans have a steady supply of new homes, and builders with finished homes often negotiate. The program works with new construction.
Compare Georgia and South Carolina taxes before you cross the river. North Augusta and Aiken are close by, and South Carolina's 4 percent owner rate works differently from Georgia's homestead exemption.
Owner financing vs rent to own in Augusta
Around the post, rent to own gets pitched to military families who expect to move. If orders come before the purchase, the option fee is usually gone and the family never owned a thing.
With owner financing you own from closing day. Move on orders and the home is still yours to sell or rent, and while you live there you can file for Georgia's homestead exemption by April 1.
See every difference side by side on owner financing vs rent to own.
Cash to close on a Augusta home
Starts at $250,000, where the program begins. Augusta's median is lower, so slide up to the homes you're looking at.
The program starts at $250,000 and has no upper limit. Down payments are normally 20 percent, with exceptions reviewed one by one. There's no application or origination fee.
- Down payment (20%)
- Closing costs (2% to 3%)
- Amount financed
Estimate only. Closing costs vary by state and are listed on your closing statement before you sign.
Your Augusta contact
- In real estate since 2010
- Finance degree, FIU
- 20+ families into homes since 2024
- Based in Fort Lauderdale, FL
- Speaks Spanish fluently
Freddy has closed Georgia deals and works with Augusta-area buyers, with every closing run by a Georgia real estate attorney.
Augusta buyers often arrive mid-move on orders or a new contract. Freddy sets the closing date around your report date or lease end so you aren't paying twice.
"If you can afford the house, there should be a path to it."
Freddy E.Founder, Sold With Financing
See if you qualify for a Augusta home.
Tell us where around Augusta you want to live and what you can put down. Freddy will reach out within 24 hours.
- Deed recorded with the Richmond County Clerk of Superior Court.
- Homes from $250,000 in Richmond County and nearby towns.
- You can file for Georgia's homestead exemption with your county tax assessor by April 1.
- No minimum credit score.
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
Augusta owner financing questions
Can I buy a home in Augusta with owner financing?
Yes. Pick a home from $250,000 up in Augusta or Columbia County, and a Georgia attorney closes with the deed recorded in your name.
Do you cover Evans and Grovetown?
Yes, plus Martinez, Appling and west Augusta. Some buyers also look at North Augusta and Aiken across the river.
I'm stationed at Fort Eisenhower. Can I qualify?
Yes. Military pay is steady income. If you move later, you still own the home.
Augusta's median is under $250,000. Will I find a home?
Yes. The city median includes a lot of older, smaller homes. Newer homes in Columbia County regularly sell above $250,000.
How much down do I need?
Normally 20 percent, with exceptions reviewed one by one. On a $275,000 home, that's $55,000.
What credit score do I need?
There is no minimum credit score.
Ready to own in Augusta?
Find out in about a minute whether the program fits you.