3.76% VA
$249,000
$1,251/mo
985 DUDLEY Avenue
Bartow, FL
3 bd2 ba1,630 sqft
Lakeland, Florida
Keep the rate.
Buy the home in Lakeland.
76 assumable homes for sale in Lakeland, with locked rates from 2.35%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.04%
vs 7.2% market
$387/mo saved
Median locked rate
5.04%
Across 76 assumable listings
Typical monthly savings
$387
On a $298,250 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 Lakeland
Homes with a rate worth keeping
2.70% FHA
$289,000
$968/mo
3072 THOROUGHBRED Loop
Lakeland, FL
4 bd2 ba1,766 sqft
2.87% FHA
$240,000
$859/mo
861 LOWELL Street
Lakeland, FL
4 bd2 ba1,201 sqft
2.88% VA
$329,900
$1,210/mo
2829 HICKORY RIDGE
Lakeland, FL
3 bd2 ba1,594 sqft
2.90% FHA
$190,000
$756/mo
614 6TH Street
Lakeland, FL
2 bd1 ba835 sqft
3.10% FHA
$247,900
$922/mo
1203 KING Avenue
Lakeland, FL
2 bd1 ba1,300 sqft
Inventory snapshot
What’s assumable in Lakeland right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 76
- Certified / verified
- 0
- Lowest rate
- 2.35%
- Median rate
- 5.04%
- Median list price
- $298,250
- Median cash to assume
- $92,302
Listings by locked rate
- Under 4%30 homes
- 4% – 5%7 homes
- 5% – 6%5 homes
- 6% and up32 homes
Listings by loan type
- FHA58 homesmedian 5.41%
- VA18 homesmedian 3.95%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Lakeland ZIP code
- 33810
16 assumable homes · median 4.37%
median $297,450
- 33811
14 assumable homes · median 6.41%
median $316,000
- 33803
10 assumable homes · median 5.71%
median $354,500
- 33809
8 assumable homes · median 4.98%
median $280,500
- 33801
7 assumable homes · median 6.50%
median $259,999
- 33813
7 assumable homes · median 3.12%
median $329,900
- 33805
6 assumable homes · median 3.26%
median $242,500
- 33812
6 assumable homes · median 5.86%
median $330,000
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Gainesville75
- Winter Haven74
- Spring Hill67
- Haines City61
- 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 Lakeland.
A 7.2% new loan against an assumable one at 5.04%, same balance, 30 years.
You keep every month
$335/mo
Over a year$4,018
Monthly payment, side by side
7.2% vs 5.04%
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 Lakeland
Numbers below come from current Lakeland inventory and update as listings change.
- How many assumable homes are for sale in Lakeland?
- As of September 2026, UMe tracks 76 active assumable listings in Lakeland. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Lakeland?
- Current Lakeland inventory breaks down as FHA (58, median 5.41%) and VA (18, median 3.95%). 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 Lakeland right now?
- The lowest rate on an active Lakeland assumable listing is 2.35%, and the median across all 76 listings is 5.04%. 30 listings are under 4% and 37 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 Lakeland?
- Across current Lakeland listings, the median principal-and-interest payment on the assumable loan is $1,332 per month versus $1,719 for the same balance at today's rates, a difference of about $387 every month, or $4,648 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 Lakeland?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lakeland that gap is currently a median of $92,302 on a median list price of $298,250. 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 Lakeland ZIP codes have the most assumable homes?
- The Lakeland ZIP codes with the most active assumable listings are 33810 (16), 33811 (14), 33803 (10), 33809 (8), and 33801 (7). 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 Lakeland?
- 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 Lakeland.
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.
