FHA
Active
29$264,998$126,748 down
- Rate
- 3.30%
6.95%today- Payment
- $699/mo
$1,056today
- 3beds
- 2baths
- 1,632sqft
Hawthorne, Florida
Assumable homes for salein Hawthorne, Florida.
3 homes in Hawthorne carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.30%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hawthorne assumable market
by the numbers.
3active assumable listings
3.30%lowest locked rate
$270kmedian list price
$175saved per month vs. 7.2%
About the market
Assumable mortgagesin Hawthorne, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Hawthorne. Updated September 2026.
How assumptions work for buyersHawthorne, Florida has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 1 VA loan 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 Hawthorne assumable listings start at 3.30% with a median of 6.30%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Hawthorne lists for $269,999, with a median of $56,524 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 $1,325 a month versus $1,500 for the same balance at today's rate, roughly $175 kept every month and $2,097 a year. The most active Hawthorne ZIP codes are 32640 (3).
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 Hawthorne assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hawthorne
View all 3 on the map Homes on the marketin Hawthorne.
VA
Active
7$475,000$40,956 down
- Rate
- 6.78%
6.95%today- Payment
- $2,884/mo
$2,935today
- 3beds
- 2baths
- 2,154sqft
168 HOUR GLASS Circle, Hawthorne
FHA
Active
29$299,900Potential short sale
- Rate
- 6.95%
6.95%today- Payment
- $2,210/mo
$2,210today
- 3beds
- 2baths
- 1,783sqft
114 MANDARIN LAKE Road, Melrose
FHA
Active
40$269,999$56,524 down
- Rate
- 6.30%
6.95%today- Payment
- $1,325/mo
$1,417today
- 3beds
- 2baths
- 1,628sqft
130 FINLEY Lane, Hawthorne
FHA
Active
28$385,000$125,908 down
- Rate
- 6.26%
6.95%today- Payment
- $1,609/mo
$1,728today
- 3beds
- 2baths
- 1,830sqft
5918 COUNTY ROAD 219, Melrose
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 Hawthorne.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.30%
- Median rate
- 6.30%
- Median list price
- $269,999
- Median cash to assume
- $56,524
Hawthorne listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Hawthorne listings by loan type
- FHA2 homesmedian 4.80%
- VA1 homemedian 6.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hawthorne ZIP code.
Each ZIP opens the Hawthorne map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hawthorne numbers
What an assumable ratedoes to a Hawthorne payment.
The sliders start at the median Hawthorne assumable listing: $269,999 list price and a 6.30% 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)$55,000
20% 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 Hawthorne
$1,403/mo
New loan at 7.20%$1,459
Assumed at 6.30%
$1,403
Every month$57
Over five years$3,412
Interest you never pay$87,79326-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 Hawthorne listing on UMe shows the actual balance, rate, and payment.
How it works in Hawthorne
How to assumea mortgage in Hawthorne.
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 Hawthorne home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hawthorne 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 $56,524 in Hawthorne 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 Hawthorne payment written in a different decade.
Hawthorne questions
Assuming a mortgagein Hawthorne.
The numbers below come from current Hawthorne inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hawthorne?
As of September 2026, UMe tracks 3 active assumable listings in Hawthorne. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hawthorne?
Current Hawthorne inventory breaks down as FHA (2, median 4.80%) and VA (1, median 6.78%). 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 Hawthorne?
The lowest rate on an active Hawthorne assumable listing is 3.30%, and the median across all 3 listings is 6.30%. 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 Hawthorne?
Across current Hawthorne listings, the median principal-and-interest payment on the assumable loan is $1,325 per month versus $1,500 for the same balance at today's rates, a difference of about $175 every month, or $2,097 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 Hawthorne?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hawthorne that gap is currently a median of $56,524 on a median list price of $269,999. 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 Hawthorne ZIP codes have the most assumable homes?
The Hawthorne ZIP codes with the most active assumable listings are 32640 (3). 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 Hawthorne?
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 Hawthorne.The rate is already on the house.
Every listing on the Hawthorne map has a rate you can take over. Start with the ones in Hawthorne, get pre-qualified in minutes, and let UMe carry the assumption to closing.
