FHATop pick
Active
22$269,900$26,050 down
- Rate
- 2.98%
6.95%today- Payment
- $1,156/mo
$1,820today
- 4beds
- 2baths
- 1,823sqft
Dundee, Florida
Assumable homes for salein Dundee, Florida.
9 homes in Dundee carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Dundee assumable market
by the numbers.
9active assumable listings
2.18%lowest locked rate
$279kmedian list price
$753saved per month vs. 7.2%
About the market
Assumable mortgagesin Dundee, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Dundee. Updated September 2026.
How assumptions work for buyersDundee, Florida has 9 homes for sale with an assumable mortgage as of September 2026: 7 FHA loans and 2 VA 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 Dundee assumable listings start at 2.18% with a median of 3.11%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in Dundee lists for $279,000, with a median of $90,502 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 $1,131 a month versus $1,884 for the same balance at today's rate, roughly $753 kept every month and $9,038 a year. The most active Dundee ZIP codes are 33838 (9).
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 Dundee assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Dundee
View all 9 on the map Homes on the marketin Dundee.
FHA
Active
54$335,000$52,987 down
- Rate
- 2.75%
6.95%today- Payment
- $1,520/mo
$2,464today
- 2beds
- 2baths
- 1,677sqft
5197 PEBBLE BEACH Boulevard, Winter Haven
FHA
Active
28$350,000$67,512 down
- Rate
- 2.80%
6.95%today- Payment
- $1,307/mo
$2,106today
- 4beds
- 3baths
- 1,978sqft
1282 CITRUS LANDINGS Boulevard, Davenport
FHA
Active
38$320,000$8,896 down
- Rate
- 2.84%
6.95%today- Payment
- $1,440/mo
$2,307today
- 4beds
- 3baths
- 3,628sqft
1009 RONLIN Street, Haines City
FHA
Active
46$324,900$53,700 down
- Rate
- 2.87%
6.95%today- Payment
- $1,262/mo
$2,015today
- 4beds
- 2baths
- 1,600sqft
490 DISA Drive, Davenport
FHA
Active
29$254,000$49,552 down
- Rate
- 2.94%
6.95%today- Payment
- $965/mo
$1,527today
- 3beds
- 3baths
- 1,672sqft
365 FELTRIM RESERVE Boulevard, Davenport
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 Dundee.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 3.11%
- Median list price
- $279,000
- Median cash to assume
- $90,502
Dundee listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up2 homes
Dundee listings by loan type
- FHA7 homesmedian 4.62%
- VA2 homesmedian 2.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Dundee ZIP code.
Each ZIP opens the Dundee map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Dundee numbers
What an assumable ratedoes to a Dundee payment.
The sliders start at the median Dundee assumable listing: $279,000 list price and a 3.11% 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)$90,000
32% 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 Dundee
$888/mo
New loan at 7.20%$1,290
Assumed at 3.10%
$888
Every month$402
Over five years$24,117
Interest you never pay$187,31226-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 Dundee listing on UMe shows the actual balance, rate, and payment.
How it works in Dundee
How to assumea mortgage in Dundee.
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 Dundee home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Dundee 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 $90,502 in Dundee 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 Dundee payment written in a different decade.
Dundee questions
Assuming a mortgagein Dundee.
The numbers below come from current Dundee inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Dundee?
As of September 2026, UMe tracks 9 active assumable listings in Dundee. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Dundee?
Current Dundee inventory breaks down as FHA (7, median 4.62%) and VA (2, median 2.58%). 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 Dundee?
The lowest rate on an active Dundee assumable listing is 2.18%, and the median across all 9 listings is 3.11%. 5 listings are under 4% and 6 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 Dundee?
Across current Dundee listings, the median principal-and-interest payment on the assumable loan is $1,131 per month versus $1,884 for the same balance at today's rates, a difference of about $753 every month, or $9,038 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 Dundee?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dundee that gap is currently a median of $90,502 on a median list price of $279,000. 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 Dundee ZIP codes have the most assumable homes?
The Dundee ZIP codes with the most active assumable listings are 33838 (9). 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 Dundee?
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 Dundee.The rate is already on the house.
Every listing on the Dundee map has a rate you can take over. Start with the ones in Dundee, get pre-qualified in minutes, and let UMe carry the assumption to closing.
