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Assumable homes for sale in Florida

200 homesFHA & VA loansrates from 2.35% vs 7.40% today

Florida assumption guide
16581 77TH NORTHRIDGE Court, The Villages, FL, 32162 — assumable VA mortgage at 2.625%
VA
Active
41
$469,000$219,322 equity gap
Rate
2.625%
7.40%today
Payment
$1,161/mo
$2,001today
  • 3beds
  • 2baths
  • 1,850sqft

16581 77TH NORTHRIDGE Court, The Villages

11160 136TH COURT Road, Dunnellon, FL, 34432 — assumable VA mortgage at 2.84%
VATop pick
Active
11
$149,000Potential short sale
Rate
2.84%
7.40%today
Payment
$723/mo
$1,212today
  • 2beds
  • 2baths
  • 1,517sqft

11160 136TH COURT Road, Dunnellon

645 TIMBER BAY Circle, Oldsmar, FL, 34677 — assumable VA mortgage at 2.875%
VATop pick
Active
29
$260,000Potential short sale
Rate
2.875%
7.40%today
Payment
$1,286/mo
$2,146today
  • 3beds
  • 2baths
  • 1,274sqft

645 TIMBER BAY Circle, Oldsmar

2852 EASTHAM Lane, Kissimmee, FL, 34741 — assumable VA mortgage at 2.96%
VATop pick
Active
26
$300,000$16,239 equity gap
Rate
2.96%
7.40%today
Payment
$1,343/mo
$2,216today
  • 3beds
  • 3baths
  • 1,776sqft

2852 EASTHAM Lane, Kissimmee

4601 20TH Avenue, Ocala, FL, 34479 — assumable VA mortgage at 2.99%
VATop pick
Active
16
$146,000$2,321 equity gap
Rate
2.99%
7.40%today
Payment
$682/mo
$1,122today
  • 2beds
  • 2baths
  • 1,211sqft

4601 20TH Avenue, Ocala

13348 PANAMA BEACH Court, Orlando, FL, 32827 — assumable VA mortgage at 3.00%
VATop pick
Active
46
$819,000Potential short sale
Rate
3.00%
7.40%today
Payment
$3,766/mo
$6,185today
  • 4beds
  • 4baths
  • 2,860sqft

13348 PANAMA BEACH Court, Orlando

3727 ALABAMA Avenue, St Petersburg, FL, 33703 — assumable FHA mortgage at 3.00%
FHATop pick
Active
16
$253,500Potential short sale
Rate
3.00%
7.40%today
Payment
$1,283/mo
$2,108today
  • 2beds
  • 1baths
  • 920sqft

3727 ALABAMA Avenue, St Petersburg

2038 MINCEY Terrace, North Port, FL, 34286 — assumable VA mortgage at 3.07%
VATop pick
Active
30
$350,000$4,251 equity gap
Rate
3.07%
7.40%today
Payment
$1,638/mo
$2,666today
  • 3beds
  • 2baths
  • 1,832sqft

2038 MINCEY Terrace, North Port

144 ROTONDA Circle, Rotonda West, FL, 33947 — assumable FHA mortgage at 3.09%
FHATop pick
Active
40
$205,000Potential short sale
Rate
3.09%
7.40%today
Payment
$992/mo
$1,611today
  • 2beds
  • 2baths
  • 1,192sqft

144 ROTONDA Circle, Rotonda West

9354 MISSISSIPPI Run, Weeki Wachee, FL, 34613 — assumable VA mortgage at 3.09%
VATop pick
Active
78
$299,900Potential short sale
Rate
3.09%
7.40%today
Payment
$1,505/mo
$2,444today
  • 3beds
  • 2baths
  • 2,376sqft

9354 MISSISSIPPI Run, Weeki Wachee

11333 SILVERWOOD Court, Spring Hill, FL, 34609 — assumable VA mortgage at 3.10%
VATop pick
Active
38
$385,000Potential short sale
Rate
3.10%
7.40%today
Payment
$2,153/mo
$3,491today
  • 3beds
  • 2baths
  • 1,846sqft

11333 SILVERWOOD Court, Spring Hill

6000 109TH Place, Ocala, FL, 34476 — assumable VA mortgage at 3.11%
VATop pick
Active
42
$320,000$8,626 equity gap
Rate
3.11%
7.40%today
Payment
$1,475/mo
$2,389today
  • 3beds
  • 2baths
  • 1,965sqft

6000 109TH Place, Ocala

2262 RIO DE JANEIRO Avenue, Punta Gorda, FL, 33983 — assumable FHA mortgage at 3.11%
FHATop pick
Active
36
$379,000$6,917 equity gap
Rate
3.11%
7.40%today
Payment
$1,763/mo
$2,854today
  • 3beds
  • 2baths
  • 1,877sqft

2262 RIO DE JANEIRO Avenue, Punta Gorda

10364 ALDER GREEN Drive, Riverview, FL, 33578 — assumable FHA mortgage at 3.12%
FHATop pick
Active
15
$329,999$3,743 equity gap
Rate
3.12%
7.40%today
Payment
$1,551/mo
$2,508today
  • 4beds
  • 3baths
  • 2,635sqft

10364 ALDER GREEN Drive, Riverview

2210 PURPLE ORCHID Place, Ruskin, FL, 33570 — assumable FHA mortgage at 3.14%
FHATop pick
Active
16
$325,000$16,680 equity gap
Rate
3.14%
7.40%today
Payment
$1,475/mo
$2,379today
  • 4beds
  • 3baths
  • 2,577sqft

2210 PURPLE ORCHID Place, Ruskin

710 BLUEBILL Place, Kissimmee, FL, 34759 — assumable VA mortgage at 3.22%
VATop pick
Active
9
$230,000Potential short sale
Rate
3.22%
7.40%today
Payment
$1,127/mo
$1,800today
  • 3beds
  • 2baths
  • 1,252sqft

710 BLUEBILL Place, Kissimmee

21040 GREEN WING Court, Land O Lakes, FL, 34637 — assumable VA mortgage at 3.25%
VATop pick
Active
36
$350,000$10,418 equity gap
Rate
3.25%
7.40%today
Payment
$1,641/mo
$2,610today
  • 4beds
  • 3baths
  • 1,860sqft

21040 GREEN WING Court, Land O Lakes

1255 MARYKNOLL Road, Englewood, FL, 34223 — assumable FHA mortgage at 2.81%
FHATop pick
Active
50
$149,900$11,535 equity gap
Rate
2.81%
7.40%today
Payment
$650/mo
$1,094today
  • 3beds
  • 2baths
  • 1,456sqft

1255 MARYKNOLL Road, Englewood

2145 SANDY HOOK, Lakeland, FL, 33813 — assumable FHA mortgage at 2.87%
FHATop pick
Active
8
$208,000$12,501 equity gap
Rate
2.87%
7.40%today
Payment
$916/mo
$1,530today
  • 3beds
  • 2baths
  • 1,404sqft

2145 SANDY HOOK, Lakeland

10767 174TH Loop, Summerfield, FL, 34491 — assumable VA mortgage at 2.88%
VATop pick
Active
45
$225,000$20,128 equity gap
Rate
2.88%
7.40%today
Payment
$954/mo
$1,592today
  • 3beds
  • 2baths
  • 1,690sqft

10767 174TH Loop, Summerfield

364 GUADLUPE Street, Haines City, FL, 33844 — assumable FHA mortgage at 2.98%
FHATop pick
Active
22
$269,900$26,601 equity gap
Rate
2.98%
7.40%today
Payment
$1,156/mo
$1,904today
  • 4beds
  • 2baths
  • 1,823sqft

364 GUADLUPE Street, Haines City

5060 STARLING Drive, Mulberry, FL, 33860 — assumable VA mortgage at 3.05%
VATop pick
Active
40
$275,000$14,581 equity gap
Rate
3.05%
7.40%today
Payment
$1,231/mo
$2,008today
  • 3beds
  • 2baths
  • 1,955sqft

5060 STARLING Drive, Mulberry

16049 MAGNOLIA HILL Street, Clermont, FL, 34714 — assumable VA mortgage at 3.07%
VATop pick
Active
25
$345,000$34,499 equity gap
Rate
3.07%
7.40%today
Payment
$1,468/mo
$2,389today
  • 4beds
  • 3baths
  • 1,697sqft

16049 MAGNOLIA HILL Street, Clermont

5601 117TH LANE Road, Ocala, FL, 34476 — assumable FHA mortgage at 3.07%
FHATop pick
Active
17
$356,000$56,935 equity gap
Rate
3.07%
7.40%today
Payment
$1,420/mo
$2,311today
  • 4beds
  • 2baths
  • 2,043sqft

5601 117TH LANE Road, Ocala

566 SUNLIT CORAL Street, Ruskin, FL, 33570 — assumable FHA mortgage at 3.09%
FHATop pick
Active
20
$330,999$26,681 equity gap
Rate
3.09%
7.40%today
Payment
$1,445/mo
$2,345today
  • 5beds
  • 3baths
  • 2,415sqft

566 SUNLIT CORAL Street, Ruskin

1354 AQUI ESTA Drive, Punta Gorda, FL, 33950 — assumable VA mortgage at 3.09%
VATop pick
Active
37
$474,500$32,452 equity gap
Rate
3.09%
7.40%today
Payment
$2,103/mo
$3,414today
  • 2beds
  • 2baths
  • 1,559sqft

1354 AQUI ESTA Drive, Punta Gorda

12619 LEMON PEPPER Drive, Riverview, FL, 33578 — assumable VA mortgage at 3.10%
VATop pick
Active
41
$369,900$32,953 equity gap
Rate
3.10%
7.40%today
Payment
$1,594/mo
$2,585today
  • 4beds
  • 2baths
  • 1,841sqft

12619 LEMON PEPPER Drive, Riverview

28809 WINDOVER ST, Wesley Chapel, FL, 33545 — assumable FHA mortgage at 3.10%
FHATop pick
Active
26
$364,999$21,954 equity gap
Rate
3.10%
7.40%today
Payment
$1,627/mo
$2,638today
  • 4beds
  • 2baths
  • 2,105sqft

28809 WINDOVER ST, Wesley Chapel

2593 COUNTRYSIDE Boulevard #7307, Clearwater, FL, 33761 — assumable VA mortgage at 3.10%
VATop pick
Active
26
$175,000$14,720 equity gap
Rate
3.10%
7.40%today
Payment
$760/mo
$1,232today
  • 2beds
  • 2baths
  • 1,095sqft

2593 COUNTRYSIDE Boulevard #7307, Clearwater

8027 ACADIA ESTATES Court, Kissimmee, FL, 34747 — assumable VA mortgage at 3.11%
VATop pick
Active
8
$449,999$23,116 equity gap
Rate
3.11%
7.40%today
Payment
$2,027/mo
$3,282today
  • 5beds
  • 5baths
  • 2,709sqft

8027 ACADIA ESTATES Court, Kissimmee

7300 BELLOWS FALLS Lane, Hudson, FL, 34667 — assumable FHA mortgage at 3.11%
FHATop pick
Active
48
$234,900$19,135 equity gap
Rate
3.11%
7.40%today
Payment
$1,024/mo
$1,659today
  • 3beds
  • 3baths
  • 1,732sqft

7300 BELLOWS FALLS Lane, Hudson

223 CASCADE BEND Drive, Ruskin, FL, 33570 — assumable VA mortgage at 3.11%
VATop pick
Active
24
$305,000$29,419 equity gap
Rate
3.11%
7.40%today
Payment
$1,308/mo
$2,119today
  • 4beds
  • 2baths
  • 1,918sqft

223 CASCADE BEND Drive, Ruskin

513 LEMON Street, Auburndale, FL, 33823 — assumable FHA mortgage at 3.45%
FHATop pick
Active
10
$219,900Potential short sale
Rate
3.45%
7.40%today
Payment
$1,095/mo
$1,700today
  • 3beds
  • 2baths
  • 1,299sqft

513 LEMON Street, Auburndale

4575 137TH Place, Summerfield, FL, 34491 — assumable FHA mortgage at 3.45%
FHATop pick
Active
43
$230,000$8,150 equity gap
Rate
3.45%
7.40%today
Payment
$1,091/mo
$1,693today
  • 3beds
  • 2baths
  • 1,367sqft

4575 137TH Place, Summerfield

440 KENSINGTON VIEW Drive, Winter Haven, FL, 33880 — assumable FHA mortgage at 2.68%
FHA
Active
32
$269,000$52,642 equity gap
Rate
2.68%
7.40%today
Payment
$1,005/mo
$1,719today
  • 3beds
  • 2baths
  • 1,688sqft

440 KENSINGTON VIEW Drive, Winter Haven

3144 IBIS HILL Street, Clermont, FL, 34714 — assumable FHA mortgage at 2.70%
FHA
Active
44
$390,000$69,743 equity gap
Rate
2.70%
7.40%today
Payment
$1,469/mo
$2,508today
  • 4beds
  • 3baths
  • 2,033sqft

3144 IBIS HILL Street, Clermont

Assuming a mortgage in Florida

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour. 1 of the 200 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.35%
Lowest existing payment
$333 /mo
Median cash to assume
$56,972
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Beaston Group

Equal Housing Opportunity

Beaston Group is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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