2.87% FHA
$219,000
$981/mo
601 BOBCAT Lane
Kissimmee, FL
4 bd2 ba1,662 sqft
Haines City, Florida
Keep the rate.
Buy the home in Haines City.
61 assumable homes for sale in Haines City, with locked rates from 2.31%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.30%
vs 7.2% market
$289/mo saved
Median locked rate
6.30%
Across 61 assumable listings
Typical monthly savings
$289
On a $320,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Haines City
Homes with a rate worth keeping
2.98% FHA
$269,900
$1,156/mo
364 GUADLUPE Street
Haines City, FL
4 bd2 ba1,823 sqft
2.75% FHA
$335,000
$1,520/mo
5197 PEBBLE BEACH Boulevard
Winter Haven, FL
2 bd2 ba1,677 sqft
2.84% FHA
$320,000
$1,440/mo
1009 RONLIN Street
Haines City, FL
4 bd3 ba3,628 sqft
2.87% FHA
$327,900
$1,262/mo
490 DISA Drive
Davenport, FL
4 bd2 ba1,600 sqft
3.06% FHA
$299,500
$1,153/mo
812 BROOKLET Drive
Davenport, FL
3 bd2 ba1,645 sqft
Inventory snapshot
What’s assumable in Haines City right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 61
- Certified / verified
- 0
- Lowest rate
- 2.31%
- Median rate
- 6.30%
- Median list price
- $320,000
- Median cash to assume
- $54,540
Listings by locked rate
- Under 4%18 homes
- 4% – 5%2 homes
- 5% – 6%4 homes
- 6% and up35 homes
Listings by loan type
- FHA51 homesmedian 6.41%
- VA10 homesmedian 3.77%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Haines City ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- Spring Hill67
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Haines City.
A 7.2% new loan against an assumable one at 6.30%, same balance, 30 years.
You keep every month
$153/mo
Over a year$1,838
Monthly payment, side by side
7.2% vs 6.30%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Haines City
Numbers below come from current Haines City inventory and update as listings change.
- How many assumable homes are for sale in Haines City?
- As of September 2026, UMe tracks 61 active assumable listings in Haines City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Haines City?
- Current Haines City inventory breaks down as FHA (51, median 6.41%) and VA (10, median 3.77%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Haines City right now?
- The lowest rate on an active Haines City assumable listing is 2.31%, and the median across all 61 listings is 6.30%. 18 listings are under 4% and 20 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Haines City?
- Across current Haines City listings, the median principal-and-interest payment on the assumable loan is $1,705 per month versus $1,995 for the same balance at today's rates, a difference of about $289 every month, or $3,474 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Haines City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Haines City that gap is currently a median of $54,540 on a median list price of $320,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Haines City ZIP codes have the most assumable homes?
- The Haines City ZIP codes with the most active assumable listings are 33844 (61). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Haines City?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Haines City.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
