VA
Active
37$795,000$97,376 down
- Rate
- 3.00%
6.95%today- Payment
- $3,331/mo
$5,229today
- 5beds
- 5baths
- 5,326sqft
Plant City, Florida
Assumable homes for salein Plant City, Florida.
43 homes in Plant City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Plant City assumable market
by the numbers.
43active assumable listings
2.67%lowest locked rate
$360kmedian list price
$537saved per month vs. 7.2%
About the market
Assumable mortgagesin Plant City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Plant City. Updated September 2026.
How assumptions work for buyersPlant City, Florida has 43 homes for sale with an assumable mortgage as of September 2026: 32 FHA loans and 11 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 Plant City assumable listings start at 2.67% with a median of 6.50%; 12 listings are under 4% and 16 are under 5%.
The median assumable home in Plant City lists for $359,900, with a median of $74,250 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 $1,565 a month versus $2,102 for the same balance at today's rate, roughly $537 kept every month and $6,442 a year. The most active Plant City ZIP codes are 33565 (20), 33563 (13), 33566 (6), and 33567 (4).
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 Plant City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Plant City
View all 43 on the map Homes on the marketin Plant City.
VA
Active
27$465,000$127,626 down
- Rate
- 2.80%
6.95%today- Payment
- $1,561/mo
$2,515today
- 4beds
- 2baths
- 1,844sqft
4613 DOVER BLUFF Court, Valrico
FHA
Active
30$299,999$85,854 down
- Rate
- 2.96%
6.95%today- Payment
- $1,011/mo
$1,596today
- 3beds
- 2baths
- 1,426sqft
5646 ALEXANDER SPRINGS Place, Lakeland
VA
Active
37$425,000$100,130 down
- Rate
- 2.98%
6.95%today- Payment
- $1,534/mo
$2,414today
- 4beds
- 2baths
- 1,983sqft
615 VALRI PARK Drive, Valrico
FHA
Active
$265,000$71,871 down
- Rate
- 2.98%
6.95%today- Payment
- $937/mo
$1,475today
- 2beds
- 2baths
- 1,479sqft
3810 COOPER Road, Plant City
FHA
Active
52$319,900$86,306 down
- Rate
- 3.05%
6.95%today- Payment
- $1,104/mo
$1,722today
- 4beds
- 2baths
- 1,904sqft
4934 WILDFLOWER Drive, 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 Plant City.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 43
- UMe Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 6.50%
- Median list price
- $359,900
- Median cash to assume
- $74,250
Plant City listings by locked rate
- Under 4%12 homes
- 4% – 5%4 homes
- 5% – 6%3 homes
- 6% and up24 homes
Plant City listings by loan type
- FHA32 homesmedian 6.57%
- VA11 homesmedian 4.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Plant City ZIP code.
Each ZIP opens the Plant City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Plant City numbers
What an assumable ratedoes to a Plant City payment.
The sliders start at the median Plant City assumable listing: $359,900 list price and a 6.50% 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)$75,000
21% 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 Plant City
$1,895/mo
New loan at 7.20%$1,935
Assumed at 6.50%
$1,895
Every month$40
Over five years$2,372
Interest you never pay$105,19226-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 Plant City listing on UMe shows the actual balance, rate, and payment.
How it works in Plant City
How to assumea mortgage in Plant City.
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 Plant City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Plant City 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 $74,250 in Plant City 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 Plant City payment written in a different decade.
Plant City questions
Assuming a mortgagein Plant City.
The numbers below come from current Plant City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Plant City?
As of September 2026, UMe tracks 43 active assumable listings in Plant City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Plant City?
Current Plant City inventory breaks down as FHA (32, median 6.57%) and VA (11, median 4.50%). 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 Plant City?
The lowest rate on an active Plant City assumable listing is 2.67%, and the median across all 43 listings is 6.50%. 12 listings are under 4% and 16 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 Plant City?
Across current Plant City listings, the median principal-and-interest payment on the assumable loan is $1,565 per month versus $2,102 for the same balance at today's rates, a difference of about $537 every month, or $6,442 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 Plant City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Plant City that gap is currently a median of $74,250 on a median list price of $359,900. 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 Plant City ZIP codes have the most assumable homes?
The Plant City ZIP codes with the most active assumable listings are 33565 (20), 33563 (13), 33566 (6), and 33567 (4). 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 Plant City?
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 Plant City.The rate is already on the house.
Every listing on the Plant City map has a rate you can take over. Start with the ones in Plant City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
