3.45% FHA
$219,900
$1,095/mo
513 LEMON Street
Auburndale, FL
3 bd2 ba1,299 sqft
Eaton Park, Florida
Keep the rate.
Buy the home in Eaton Park.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Eaton Park.
Avg. assumable rate
3.11%
vs 7.2% market
$695/mo saved
Average locked rate
3.11%
Across 6 assumable listings
Typical monthly savings
$695
On a $345,650 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Eaton Park
Homes with a rate worth keeping
2.68% FHA
$269,000
$1,005/mo
440 KENSINGTON VIEW Drive
Winter Haven, FL
3 bd2 ba1,688 sqft
3.76% VA
$249,000
$1,251/mo
985 DUDLEY Avenue
Bartow, FL
3 bd2 ba1,630 sqft
3.45% FHA
$298,000
$1,205/mo
729 LAKE Avenue
Eagle Lake, FL
5 bd3 ba1,632 sqft
2.60% VA
$749,000
$2,322/mo
331 BAY Street
Auburndale, FL
3 bd3 ba3,488 sqft
2.70% FHA
$289,000
$968/mo
3072 THOROUGHBRED Loop
Lakeland, FL
4 bd2 ba1,766 sqft
Nearby markets
More assumable homes in Florida
- Orlando203
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud80
- Lakeland76
- Gainesville75
- Winter Haven73
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Eaton Park.
A 7.2% new loan against an assumable one at 3.11%, same balance, 30 years.
You keep every month
$693/mo
Over a year$8,321
Monthly payment, side by side
7.2% vs 3.11%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Eaton Park
Numbers below come from current Eaton Park inventory and update as listings change.
- Are there assumable homes for sale in Eaton Park?
- As of September 2026, there are no verified assumable listings in Eaton Park. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Eaton Park.
- What types of loans can be assumed in Eaton Park?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Florida. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Eaton Park?
- 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.
Ready when you are
Stop overpaying for Eaton Park.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
