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Assumable homes for sale in Lutz, FL

200 homesFHA & VA loansrates from 2.15% vs 7.32% today

Lutz assumption guide
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%
7.32%today
Payment
$1,627/mo
$2,617today
  • 4beds
  • 2baths
  • 2,105sqft

28809 WINDOVER ST, Wesley Chapel

218 PARK RIDGE Avenue, Temple Terrace, FL, 33617 — assumable VA mortgage at 2.88%
VA
Active
19
$400,000$63,150 equity gap
Rate
2.88%
7.32%today
Payment
$1,569/mo
$2,597today
  • 4beds
  • 2baths
  • 1,968sqft

218 PARK RIDGE Avenue, Temple Terrace

29913 SOUTHWELL Lane, Wesley Chapel, FL, 33543 — assumable FHA mortgage at 3.05%
FHA
Active
19
$339,000$67,665 equity gap
Rate
3.05%
7.32%today
Payment
$1,285/mo
$2,081today
  • 3beds
  • 3baths
  • 1,865sqft

29913 SOUTHWELL Lane, Wesley Chapel

5314 ABINGER Court, Tampa, FL, 33624 — assumable FHA mortgage at 3.10%
FHA
Active
40
$219,900$62,039 equity gap
Rate
3.10%
7.32%today
Payment
$764/mo
$1,228today
  • 3beds
  • 3baths
  • 1,314sqft

5314 ABINGER Court, Tampa

8331 GOLDEN PRAIRIE Drive, Tampa, FL, 33647 — assumable VA mortgage at 3.21%
VA
Active
56
$749,900$160,825 equity gap
Rate
3.21%
7.32%today
Payment
$2,822/mo
$4,476today
  • 4beds
  • 4baths
  • 3,264sqft

8331 GOLDEN PRAIRIE Drive, Tampa

6706 ROCKY PARK Street, Tampa, FL, 33625 — assumable VA mortgage at 2.18%
VA
Active
44
$400,000$140,547 equity gap
Rate
2.18%
7.32%today
Payment
$1,120/mo
$2,031today
  • 3beds
  • 3baths
  • 1,852sqft

6706 ROCKY PARK Street, Tampa

3102 SUNCOAST PLAINS Drive, Odessa, FL, 33556 — assumable VA mortgage at 2.66%
VA
Active
36
$385,000$141,729 equity gap
Rate
2.66%
7.32%today
Payment
$1,130/mo
$1,923today
  • 3beds
  • 2baths
  • 1,516sqft

3102 SUNCOAST PLAINS Drive, Odessa

10234 BLOOMFIELD HILLS Drive, Seffner, FL, 33584 — assumable VA mortgage at 2.71%
VA
Active
47
$499,999$165,147 equity gap
Rate
2.71%
7.32%today
Payment
$1,564/mo
$2,645today
  • 4beds
  • 3baths
  • 2,472sqft

10234 BLOOMFIELD HILLS Drive, Seffner

9646 FOX HEARST Road, Tampa, FL, 33647 — assumable VA mortgage at 2.73%
VA
Active
30
$399,900$133,428 equity gap
Rate
2.73%
7.32%today
Payment
$1,244/mo
$2,099today
  • 3beds
  • 2baths
  • 1,765sqft

9646 FOX HEARST Road, Tampa

14929 PROMENADE Parkway, Odessa, FL, 33556 — assumable FHA mortgage at 2.80%
FHA
Active
34
$315,000$118,779 equity gap
Rate
2.80%
7.32%today
Payment
$930/mo
$1,554today
  • 3beds
  • 3baths
  • 1,582sqft

14929 PROMENADE Parkway, Odessa

12416 QUEENSLAND Lane, Tampa, FL, 33625 — assumable FHA mortgage at 2.80%
FHA
Active
45
$489,800$184,690 equity gap
Rate
2.80%
7.32%today
Payment
$1,412/mo
$2,361today
  • 4beds
  • 2baths
  • 1,463sqft

12416 QUEENSLAND Lane, Tampa

2209 FLETCHERS POINT Circle, Tampa, FL, 33613 — assumable FHA mortgage at 2.81%
FHA
Active
39
$199,000$61,101 equity gap
Rate
2.81%
7.32%today
Payment
$646/mo
$1,079today
  • 2beds
  • 2baths
  • 896sqft

2209 FLETCHERS POINT Circle, Tampa

6053 EVERLASTING Place, Land O Lakes, FL, 34639 — assumable VA mortgage at 2.81%
VA
Active
70
$359,900$129,828 equity gap
Rate
2.81%
7.32%today
Payment
$1,091/mo
$1,822today
  • 4beds
  • 3baths
  • 2,180sqft

6053 EVERLASTING Place, Land O Lakes

10957 BRIGHTSIDE Drive, Tampa, FL, 33624 — assumable FHA mortgage at 2.81%
FHA
Active
30
$375,000$147,141 equity gap
Rate
2.81%
7.32%today
Payment
$1,071/mo
$1,787today
  • 3beds
  • 3baths
  • 1,164sqft

10957 BRIGHTSIDE Drive, Tampa

10225 GOLDENBROOK Way, Tampa, FL, 33647 — assumable VA mortgage at 2.93%
VA
Active
73
$385,000$148,206 equity gap
Rate
2.93%
7.32%today
Payment
$1,117/mo
$1,836today
  • 3beds
  • 2baths
  • 1,530sqft

10225 GOLDENBROOK Way, Tampa

5018 LIBERTY Street, Tampa, FL, 33617 — assumable VA mortgage at 2.95%
VA
Active
51
$379,900$134,629 equity gap
Rate
2.95%
7.32%today
Payment
$1,162/mo
$1,905today
  • 3beds
  • 2baths
  • 1,328sqft

5018 LIBERTY Street, Tampa

11092 WINDSOR PLACE Circle, Tampa, FL, 33626 — assumable FHA mortgage at 2.98%
FHA
Active
23
$329,000$122,849 equity gap
Rate
2.98%
7.32%today
Payment
$969/mo
$1,583today
  • 2beds
  • 2baths
  • 1,272sqft

11092 WINDSOR PLACE Circle, Tampa

31040 PROUT Court, Wesley Chapel, FL, 33543 — assumable VA mortgage at 2.99%
VA
Active
43
$295,000$118,031 equity gap
Rate
2.99%
7.32%today
Payment
$858/mo
$1,399today
  • 2beds
  • 2baths
  • 1,703sqft

31040 PROUT Court, Wesley Chapel

3036 GIANNA Way, Land O Lakes, FL, 34638 — assumable FHA mortgage at 2.99%
FHA
Active
39
$424,999$168,856 equity gap
Rate
2.99%
7.32%today
Payment
$1,244/mo
$2,030today
  • 4beds
  • 3baths
  • 2,141sqft

3036 GIANNA Way, Land O Lakes

10527 SAN TRAVASO Drive, Tampa, FL, 33647 — assumable VA mortgage at 2.99%
VA
Active
63
$449,999$173,440 equity gap
Rate
2.99%
7.32%today
Payment
$1,313/mo
$2,142today
  • 4beds
  • 3baths
  • 2,650sqft

10527 SAN TRAVASO Drive, Tampa

14309 PONDHAWK Lane, Tampa, FL, 33625 — assumable VA mortgage at 4.00%
VA
Active
43
$380,000$40,750 equity gap
Rate
4.00%
7.32%today
Payment
$1,760/mo
$2,533today
  • 3beds
  • 3baths
  • 1,716sqft

14309 PONDHAWK Lane, Tampa

18623 NOBLE CASPIAN Drive, Lutz, FL, 33558 — assumable VA mortgage at 3.02%
VA
Active
51
$360,000$137,396 equity gap
Rate
3.02%
7.32%today
Payment
$1,068/mo
$1,735today
  • 3beds
  • 3baths
  • 1,632sqft

18623 NOBLE CASPIAN Drive, Lutz

6310 TURTLE CREEK Boulevard, Tampa, FL, 33625 — assumable VA mortgage at 3.02%
VA
Active
40
$499,900$181,401 equity gap
Rate
3.02%
7.32%today
Payment
$1,552/mo
$2,523today
  • 3beds
  • 2baths
  • 1,865sqft

6310 TURTLE CREEK Boulevard, Tampa

16353 SILENT SANDS Lane, Odessa, FL, 33556 — assumable FHA mortgage at 3.04%
FHA
Active
51
$399,900$123,101 equity gap
Rate
3.04%
7.32%today
Payment
$1,327/mo
$2,152today
  • 4beds
  • 3baths
  • 2,007sqft

16353 SILENT SANDS Lane, Odessa

19724 PRINCE BENJAMIN Drive, Lutz, FL, 33549 — assumable VA mortgage at 3.05%
VA
Active
43
$899,995$342,494 equity gap
Rate
3.05%
7.32%today
Payment
$2,635/mo
$4,266today
  • 4beds
  • 4baths
  • 3,494sqft

19724 PRINCE BENJAMIN Drive, Lutz

1033 BLACKWATER Drive, Wesley Chapel, FL, 33543 — assumable FHA mortgage at 3.05%
FHA
Active
55
$250,000$93,950 equity gap
Rate
3.05%
7.32%today
Payment
$739/mo
$1,197today
  • 3beds
  • 3baths
  • 1,832sqft

1033 BLACKWATER Drive, Wesley Chapel

1107 ISOBEL RESERVE Lane, Tampa, FL, 33613 — assumable VA mortgage at 3.05%
VA
Active
86
$925,000$365,134 equity gap
Rate
3.05%
7.32%today
Payment
$2,652/mo
$4,293today
  • 4beds
  • 4baths
  • 3,423sqft

1107 ISOBEL RESERVE Lane, Tampa

22335 SOUTHSHORE Drive, Land O Lakes, FL, 34639 — assumable VA mortgage at 3.55%
VA
Active
37
$649,990$186,502 equity gap
Rate
3.55%
7.32%today
Payment
$2,304/mo
$3,503today
  • 6beds
  • 3baths
  • 3,213sqft

22335 SOUTHSHORE Drive, Land O Lakes

10001 FLORENCE Avenue, Tampa, FL, 33612 — assumable FHA mortgage at 1.00%
FHA
Active
33
$370,000$328,436 equity gap
Rate
1.00%
7.32%today
Payment
$688/mo
$925today
  • 3beds
  • 2baths
  • 1,235sqft

10001 FLORENCE Avenue, Tampa

1842 RIDGELAKE Court, Wesley Chapel, FL, 33543 — assumable FHA mortgage at 2.15%
FHA
Active
15
$520,000$389,556 equity gap
Rate
2.15%
7.32%today
Payment
$1,191/mo
$1,679today
  • 3beds
  • 2baths
  • 2,066sqft

1842 RIDGELAKE Court, Wesley Chapel

27640 BREAKERS Drive, Wesley Chapel, FL, 33544 — assumable VA mortgage at 2.28%
VA
Active
82
$459,900$369,082 equity gap
Rate
2.28%
7.32%today
Payment
$853/mo
$1,192today
  • 4beds
  • 3baths
  • 2,272sqft

27640 BREAKERS Drive, Wesley Chapel

5307 TERRAZA Court, Temple Terrace, FL, 33617 — assumable VA mortgage at 2.31%
VA
Active
38
$220,000$93,640 equity gap
Rate
2.31%
7.32%today
Payment
$549/mo
$980today
  • 2beds
  • 3baths
  • 1,561sqft

5307 TERRAZA Court, Temple Terrace

6109 130TH Avenue, Temple Terrace, FL, 33617 — assumable FHA mortgage at 2.67%
FHA
Active
30
$489,900$239,892 equity gap
Rate
2.67%
7.32%today
Payment
$1,162/mo
$1,976today
  • 4beds
  • 2baths
  • 2,004sqft

6109 130TH Avenue, Temple Terrace

9713 LITTLE POND Way, Tampa, FL, 33647 — assumable FHA mortgage at 2.70%
FHA
Active
54
$414,900$398,368 equity gap
Rate
2.70%
7.32%today
Payment
$79/mo
$133today
  • 3beds
  • 3baths
  • 1,496sqft

9713 LITTLE POND Way, Tampa

2595 FENCEPOST Drive, Odessa, FL, 33556 — assumable FHA mortgage at 2.71%
FHA
Active
59
$364,900$148,849 equity gap
Rate
2.71%
7.32%today
Payment
$1,009/mo
$1,706today
  • 3beds
  • 3baths
  • 1,441sqft

2595 FENCEPOST Drive, Odessa

3720 GERRADS CROSS Court, Land O Lakes, FL, 34638 — assumable VA mortgage at 2.73%
VA
Active
30
$419,900$187,778 equity gap
Rate
2.73%
7.32%today
Payment
$1,081/mo
$1,824today
  • 3beds
  • 2baths
  • 1,842sqft

3720 GERRADS CROSS Court, Land O Lakes

Assuming a mortgage in Lutz

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 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.15%
Lowest existing payment
$463 /mo
Median cash to assume
$158,326
Equal Housing Opportunity

UMe 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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