VA
Active
60$129,000$22,774 down
- Rate
- 2.78%
6.95%today- Payment
- $491/mo
$792today
- 1beds
- 1baths
- 593sqft
Lutz, Florida
Assumable homes for salein Lutz, Florida.
25 homes in Lutz carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.94%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lutz assumable market
by the numbers.
25active assumable listings
2.94%lowest locked rate
$435kmedian list price
$374saved per month vs. 7.2%
About the market
Assumable mortgagesin Lutz, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Lutz. Updated September 2026.
How assumptions work for buyersLutz, Florida has 25 homes for sale with an assumable mortgage as of September 2026: 19 FHA loans and 6 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 Lutz assumable listings start at 2.94% with a median of 5.23%; 7 listings are under 4% and 12 are under 5%.
The median assumable home in Lutz lists for $434,900, with a median of $269,000 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 $1,659 a month versus $2,033 for the same balance at today's rate, roughly $374 kept every month and $4,488 a year. The most active Lutz ZIP codes are 33558 (9), 33559 (9), 33549 (6), and 33548 (1).
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 Lutz assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lutz
View all 25 on the map Homes on the marketin Lutz.
FHA
Active
25$365,000$74,853 down
- Rate
- 2.90%
6.95%today- Payment
- $1,349/mo
$2,145today
- 4beds
- 2baths
- 1,819sqft
2925 BANYAN HILL Lane, Land O Lakes
FHA
Active
23$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
FHA
Active
19$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
FHA
Active
39$205,000$28,260 down
- Rate
- 3.07%
6.95%today- Payment
- $835/mo
$1,300today
- 2beds
- 2baths
- 1,152sqft
2049 FIESTA RIDGE Court, Tampa
VA
Active
42$220,000$4,165 down
- Rate
- 3.92%
6.95%today- Payment
- $1,112/mo
$1,558today
- 2beds
- 3baths
- 1,364sqft
4555 LIMERICK Drive, Tampa
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 Lutz.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 25
- UMe Certified / verified
- 0
- Lowest rate
- 2.94%
- Median rate
- 5.23%
- Median list price
- $434,900
- Median cash to assume
- $269,000
Lutz listings by locked rate
- Under 4%7 homes
- 4% – 5%5 homes
- 5% – 6%3 homes
- 6% and up10 homes
Lutz listings by loan type
- FHA19 homesmedian 5.55%
- VA6 homesmedian 3.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lutz ZIP code.
Each ZIP opens the Lutz map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lutz numbers
What an assumable ratedoes to a Lutz payment.
The sliders start at the median Lutz assumable listing: $434,900 list price and a 5.23% 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)$270,000
62% 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 Lutz
$970/mo
New loan at 7.20%$1,120
Assumed at 5.25%
$970
Every month$150
Over five years$8,973
Interest you never pay$100,42126-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 Lutz listing on UMe shows the actual balance, rate, and payment.
How it works in Lutz
How to assumea mortgage in Lutz.
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 Lutz home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lutz 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 $269,000 in Lutz 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 Lutz payment written in a different decade.
Lutz questions
Assuming a mortgagein Lutz.
The numbers below come from current Lutz inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lutz?
As of September 2026, UMe tracks 25 active assumable listings in Lutz. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lutz?
Current Lutz inventory breaks down as FHA (19, median 5.55%) and VA (6, median 3.25%). 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 Lutz?
The lowest rate on an active Lutz assumable listing is 2.94%, and the median across all 25 listings is 5.23%. 7 listings are under 4% and 12 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 Lutz?
Across current Lutz listings, the median principal-and-interest payment on the assumable loan is $1,659 per month versus $2,033 for the same balance at today's rates, a difference of about $374 every month, or $4,488 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 Lutz?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lutz that gap is currently a median of $269,000 on a median list price of $434,900. 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 Lutz ZIP codes have the most assumable homes?
The Lutz ZIP codes with the most active assumable listings are 33558 (9), 33559 (9), 33549 (6), and 33548 (1). 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 Lutz?
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 Lutz.The rate is already on the house.
Every listing on the Lutz map has a rate you can take over. Start with the ones in Lutz, get pre-qualified in minutes, and let UMe carry the assumption to closing.
