FHA
Active
4$145,000$23,805 down
- Rate
- 3.69%
6.95%today- Payment
- $609/mo
$877today
- 2beds
- 1baths
- 906sqft
Avon Park, Florida
Assumable homes for salein Avon Park, Florida.
2 homes in Avon Park carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.69%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Avon Park assumable market
by the numbers.
2active assumable listings
3.69%lowest locked rate
$159kmedian list price
$215saved per month vs. 7.2%
About the market
Assumable mortgagesin Avon Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Avon Park. Updated September 2026.
How assumptions work for buyersAvon Park, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Avon Park assumable listings start at 3.69% with a median of 5.02%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Avon Park lists for $159,250, with a median of $30,010 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $748 a month versus $963 for the same balance at today's rate, roughly $215 kept every month and $2,585 a year. The most active Avon Park ZIP codes are 33825 (2).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Avon Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Avon Park
View all 2 on the map Homes on the marketin Avon Park.
FHA
Active
10$190,000$67,311 down
- Rate
- 2.84%
6.95%today- Payment
- $568/mo
$910today
- 2beds
- 1baths
- 864sqft
2106 AVALON Road, Sebring
FHA
Active
37$334,995$177,835 down
- Rate
- 2.99%
6.95%today- Payment
- $764/mo
$1,200today
- 3beds
- 2baths
- 1,834sqft
828 ULMER Road, Frostproof
FHA
Active
76$440,000$315,843 down
- Rate
- 3.06%
6.95%today- Payment
- $593/mo
$923today
- 4beds
- 3baths
- 2,356sqft
1750 FROSTPROOF Road, Frostproof
VA
Active
50$634,000$344,169 down
- Rate
- 3.55%
6.95%today- Payment
- $1,531/mo
$2,243today
- 3beds
- 3baths
- 2,360sqft
2711 SNYDER Road, Sebring
FHA
Active
19$319,900$54,741 down
- Rate
- 5.00%
6.95%today- Payment
- $1,525/mo
$1,881today
- 3beds
- 2baths
- 1,737sqft
4550 SAN IGNACIO Drive, Sebring
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Avon Park.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.69%
- Median rate
- 5.02%
- Median list price
- $159,250
- Median cash to assume
- $30,010
Avon Park listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Avon Park listings by loan type
- FHA2 homesmedian 5.02%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Avon Park ZIP code.
Each ZIP opens the Avon Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Avon Park numbers
What an assumable ratedoes to an Avon Park payment.
The sliders start at the median Avon Park assumable listing: $159,250 list price and a 5.02% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$30,000
19% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Avon Park
$745/mo
New loan at 7.20%$882
Assumed at 5.00%
$745
Every month$137
Over five years$8,225
Interest you never pay$85,12526-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Avon Park listing on UMe shows the actual balance, rate, and payment.
How it works in Avon Park
How to assumea mortgage in Avon Park.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Avon Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Avon Park map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $30,010 in Avon Park today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Avon Park payment written in a different decade.
Avon Park questions
Assuming a mortgagein Avon Park.
The numbers below come from current Avon Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Avon Park?
As of September 2026, UMe tracks 2 active assumable listings in Avon Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Avon Park?
Current Avon Park inventory breaks down as FHA (2, median 5.02%). 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 Avon Park?
The lowest rate on an active Avon Park assumable listing is 3.69%, and the median across all 2 listings is 5.02%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Avon Park?
Across current Avon Park listings, the median principal-and-interest payment on the assumable loan is $748 per month versus $963 for the same balance at today's rates, a difference of about $215 every month, or $2,585 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 Avon Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Avon Park that gap is currently a median of $30,010 on a median list price of $159,250. 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 Avon Park ZIP codes have the most assumable homes?
The Avon Park ZIP codes with the most active assumable listings are 33825 (2). 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 Avon Park?
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.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Avon Park.The rate is already on the house.
Every listing on the Avon Park map has a rate you can take over. Start with the ones in Avon Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
