FHA
Active
54$335,000$52,987 down
- Rate
- 2.75%
6.95%today- Payment
- $1,520/mo
$2,464today
- 2beds
- 2baths
- 1,677sqft
Babson Park, Florida
Assumable homes for salein Babson Park, Florida.
2 homes in Babson Park carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.47%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Babson Park assumable market
by the numbers.
2active assumable listings
4.47%lowest locked rate
$313kmedian list price
$238saved per month vs. 7.2%
About the market
Assumable mortgagesin Babson Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Babson Park. Updated August 2026.
How assumptions work for buyersBabson Park, Florida has 2 homes for sale with an assumable mortgage as of August 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 Babson Park assumable listings start at 4.47% with a median of 5.33%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Babson Park lists for $312,500, with a median of $142,592 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 $1,043 a month versus $1,281 for the same balance at today's rate, roughly $238 kept every month and $2,853 a year. The most active Babson Park ZIP codes are 33827 (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 Babson Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Babson Park
View all 2 on the map Homes on the marketin Babson Park.
VA
Active
56$350,000$95,353 down
- Rate
- 2.90%
6.95%today- Payment
- $1,200/mo
$1,908today
- 3beds
- 3baths
- 2,006sqft
3541 RALEIGH Drive, Winter Haven
FHA
Active
48$269,000$71,873 down
- Rate
- 2.97%
6.95%today- Payment
- $940/mo
$1,482today
- 3beds
- 2baths
- 1,144sqft
153 BROWNING CIR, Winter Haven
VA
Active
33$390,500$134,501 down
- Rate
- 2.65%
6.95%today- Payment
- $1,185/mo
$1,946today
- 3beds
- 2baths
- 2,027sqft
4081 DUNMORE Drive, Lake Wales
FHA
Active
41$250,900$29,982 down
- Rate
- 4.00%
6.95%today- Payment
- $1,148/mo
$1,592today
- 3beds
- 2baths
- 1,380sqft
124 PIERCE Street, Lake Wales
FHA
Active
48$349,900$124,565 down
- Rate
- 3.06%
6.95%today- Payment
- $1,080/mo
$1,683today
- 3beds
- 2baths
- 1,539sqft
802 MARCIA Loop, Winter Haven
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 Babson Park.
Live counts from the MLS feeds we index for Florida. Updated August 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.47%
- Median rate
- 5.33%
- Median list price
- $312,500
- Median cash to assume
- $142,592
Babson Park listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Babson Park listings by loan type
- FHA2 homesmedian 5.33%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Babson Park ZIP code.
Each ZIP opens the Babson Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Babson Park numbers
What an assumable ratedoes to a Babson Park payment.
The sliders start at the median Babson Park assumable listing: $312,500 list price and a 5.33% 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)$145,000
46% 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 Babson Park
$1,010/mo
New loan at 7.20%$1,154
Assumed at 5.35%
$1,010
Every month$144
Over five years$8,636
Interest you never pay$100,29426-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 Babson Park listing on UMe shows the actual balance, rate, and payment.
How it works in Babson Park
How to assumea mortgage in Babson 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 a Babson Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Babson 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 $142,592 in Babson 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 a Babson Park payment written in a different decade.
Babson Park questions
Assuming a mortgagein Babson Park.
The numbers below come from current Babson Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Babson Park?
As of August 2026, UMe tracks 2 active assumable listings in Babson 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 Babson Park?
Current Babson Park inventory breaks down as FHA (2, median 5.33%). 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 Babson Park?
The lowest rate on an active Babson Park assumable listing is 4.47%, and the median across all 2 listings is 5.33%. 0 listings are 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 Babson Park?
Across current Babson Park listings, the median principal-and-interest payment on the assumable loan is $1,043 per month versus $1,281 for the same balance at today's rates, a difference of about $238 every month, or $2,853 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 Babson Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Babson Park that gap is currently a median of $142,592 on a median list price of $312,500. 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 Babson Park ZIP codes have the most assumable homes?
The Babson Park ZIP codes with the most active assumable listings are 33827 (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 Babson 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 Babson Park.The rate is already on the house.
Every listing on the Babson Park map has a rate you can take over. Start with the ones in Babson Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
