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
Winter Haven, Florida
Assumable homes for salein Winter Haven, Florida.
105 homes in Winter Haven carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.35%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Winter Haven assumable market
by the numbers.
105active assumable listings
2.35%lowest locked rate
$300kmedian list price
$309saved per month vs. 7.2%
About the market
Assumable mortgagesin Winter Haven, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Winter Haven. Updated September 2026.
How assumptions work for buyersWinter Haven, Florida has 105 homes for sale with an assumable mortgage as of September 2026: 79 FHA loans and 26 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 Winter Haven assumable listings start at 2.35% with a median of 6.22%; 32 listings are under 4% and 38 are under 5%.
The median assumable home in Winter Haven lists for $299,998, with a median of $59,888 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 $1,445 a month versus $1,754 for the same balance at today's rate, roughly $309 kept every month and $3,711 a year. The most active Winter Haven ZIP codes are 33884 (41), 33881 (39), and 33880 (25).
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 Winter Haven assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Winter Haven
View all 105 on the map Homes on the marketin Winter Haven.
FHATop pick
Active
10$219,900Potential short sale
- Rate
- 3.45%
6.95%today- Payment
- $1,095/mo
$1,625today
- 3beds
- 2baths
- 1,299sqft
513 LEMON Street, Auburndale
FHA
Active
32$269,000$52,122 down
- Rate
- 2.68%
6.95%today- Payment
- $1,005/mo
$1,644today
- 3beds
- 2baths
- 1,688sqft
440 KENSINGTON VIEW Drive, Winter Haven
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
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 Winter Haven.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 105
- UMe Certified / verified
- 0
- Lowest rate
- 2.35%
- Median rate
- 6.22%
- Median list price
- $299,998
- Median cash to assume
- $59,888
Winter Haven listings by locked rate
- Under 4%32 homes
- 4% – 5%6 homes
- 5% – 6%7 homes
- 6% and up56 homes
Winter Haven listings by loan type
- FHA79 homesmedian 6.09%
- VA26 homesmedian 6.28%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Winter Haven ZIP code.
Each ZIP opens the Winter Haven map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Winter Haven numbers
What an assumable ratedoes to a Winter Haven payment.
The sliders start at the median Winter Haven assumable listing: $299,998 list price and a 6.22% 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)$60,000
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 Winter Haven
$1,551/mo
New loan at 7.20%$1,629
Assumed at 6.20%
$1,551
Every month$78
Over five years$4,709
Interest you never pay$102,68126-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 Winter Haven listing on UMe shows the actual balance, rate, and payment.
How it works in Winter Haven
How to assumea mortgage in Winter Haven.
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 Winter Haven home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Winter Haven 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 $59,888 in Winter Haven 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 Winter Haven payment written in a different decade.
Winter Haven questions
Assuming a mortgagein Winter Haven.
The numbers below come from current Winter Haven inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Winter Haven?
As of September 2026, UMe tracks 105 active assumable listings in Winter Haven. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Winter Haven?
Current Winter Haven inventory breaks down as FHA (79, median 6.09%) and VA (26, median 6.28%). 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 Winter Haven?
The lowest rate on an active Winter Haven assumable listing is 2.35%, and the median across all 105 listings is 6.22%. 32 listings are under 4% and 38 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 Winter Haven?
Across current Winter Haven listings, the median principal-and-interest payment on the assumable loan is $1,445 per month versus $1,754 for the same balance at today's rates, a difference of about $309 every month, or $3,711 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 Winter Haven?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Winter Haven that gap is currently a median of $59,888 on a median list price of $299,998. 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 Winter Haven ZIP codes have the most assumable homes?
The Winter Haven ZIP codes with the most active assumable listings are 33884 (41), 33881 (39), and 33880 (25). 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 Winter Haven?
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 Winter Haven.The rate is already on the house.
Every listing on the Winter Haven map has a rate you can take over. Start with the ones in Winter Haven, get pre-qualified in minutes, and let UMe carry the assumption to closing.
