FHATop pick
Active
8$210,000$14,053 down
- Rate
- 2.87%
6.95%today- Payment
- $916/mo
$1,462today
- 3beds
- 2baths
- 1,404sqft
Mulberry, Florida
Assumable homes for salein Mulberry, Florida.
18 homes in Mulberry carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mulberry assumable market
by the numbers.
18active assumable listings
3.10%lowest locked rate
$313kmedian list price
$457saved per month vs. 7.2%
About the market
Assumable mortgagesin Mulberry, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Mulberry. Updated September 2026.
How assumptions work for buyersMulberry, Florida has 18 homes for sale with an assumable mortgage as of September 2026: 10 FHA loans and 8 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 Mulberry assumable listings start at 3.10% with a median of 4.27%; 7 listings are under 4% and 11 are under 5%.
The median assumable home in Mulberry lists for $313,500, with a median of $183,730 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 $1,001 a month versus $1,458 for the same balance at today's rate, roughly $457 kept every month and $5,486 a year. The most active Mulberry ZIP codes are 33860 (18).
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 Mulberry assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mulberry
View all 18 on the map Homes on the marketin Mulberry.
FHA
Active
25$242,500$48,079 down
- Rate
- 3.10%
6.95%today- Payment
- $922/mo
$1,429today
- 2beds
- 1baths
- 1,300sqft
1203 KING Avenue, Lakeland
VA
Active
$249,000Potential short sale
- Rate
- 3.76%
6.95%today- Payment
- $1,251/mo
$1,786today
- 3beds
- 2baths
- 1,630sqft
985 DUDLEY Avenue, Bartow
FHA
Active
21$259,900$65,930 down
- Rate
- 2.80%
6.95%today- Payment
- $896/mo
$1,443today
- 3beds
- 2baths
- 1,441sqft
313 GRIFFIN Avenue, Lakeland
FHA
Active
51$240,000$55,827 down
- Rate
- 2.87%
6.95%today- Payment
- $859/mo
$1,371today
- 4beds
- 2baths
- 1,201sqft
861 LOWELL Street, Lakeland
VA
Active
26$329,900$69,499 down
- Rate
- 2.88%
6.95%today- Payment
- $1,210/mo
$1,930today
- 3beds
- 2baths
- 1,594sqft
2829 HICKORY RIDGE, Lakeland
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 Mulberry.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 3.10%
- Median rate
- 4.27%
- Median list price
- $313,500
- Median cash to assume
- $183,730
Mulberry listings by locked rate
- Under 4%7 homes
- 4% – 5%4 homes
- 5% – 6%2 homes
- 6% and up5 homes
Mulberry listings by loan type
- FHA10 homesmedian 4.62%
- VA8 homesmedian 4.03%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mulberry ZIP code.
Each ZIP opens the Mulberry map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mulberry numbers
What an assumable ratedoes to a Mulberry payment.
The sliders start at the median Mulberry assumable listing: $313,500 list price and a 4.27% 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)$185,000
59% 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 Mulberry
$689/mo
New loan at 7.20%$882
Assumed at 4.25%
$689
Every month$193
Over five years$11,599
Interest you never pay$102,67426-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 Mulberry listing on UMe shows the actual balance, rate, and payment.
How it works in Mulberry
How to assumea mortgage in Mulberry.
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 Mulberry home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mulberry 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 $183,730 in Mulberry 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 Mulberry payment written in a different decade.
Mulberry questions
Assuming a mortgagein Mulberry.
The numbers below come from current Mulberry inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mulberry?
As of September 2026, UMe tracks 18 active assumable listings in Mulberry. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mulberry?
Current Mulberry inventory breaks down as FHA (10, median 4.62%) and VA (8, median 4.03%). 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 Mulberry?
The lowest rate on an active Mulberry assumable listing is 3.10%, and the median across all 18 listings is 4.27%. 7 listings are under 4% and 11 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 Mulberry?
Across current Mulberry listings, the median principal-and-interest payment on the assumable loan is $1,001 per month versus $1,458 for the same balance at today's rates, a difference of about $457 every month, or $5,486 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 Mulberry?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mulberry that gap is currently a median of $183,730 on a median list price of $313,500. 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 Mulberry ZIP codes have the most assumable homes?
The Mulberry ZIP codes with the most active assumable listings are 33860 (18). 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 Mulberry?
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 Mulberry.The rate is already on the house.
Every listing on the Mulberry map has a rate you can take over. Start with the ones in Mulberry, get pre-qualified in minutes, and let UMe carry the assumption to closing.
