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Assumable homes for sale in Lakeland, FL

200 homesFHA & VA loansrates from 2.34% vs 7.32% today

Lakeland assumption guide
2145 SANDY HOOK, Lakeland, FL, 33813 — assumable FHA mortgage at 2.87%
FHATop pick
Active
8
$208,000$12,501 equity gap
Rate
2.87%
7.32%today
Payment
$916/mo
$1,518today
  • 3beds
  • 2baths
  • 1,404sqft

2145 SANDY HOOK, Lakeland

2829 HICKORY RIDGE, Lakeland, FL, 33813 — assumable VA mortgage at 2.88%
VA
Active
28
$309,900$50,085 equity gap
Rate
2.88%
7.32%today
Payment
$1,210/mo
$2,003today
  • 3beds
  • 2baths
  • 1,594sqft

2829 HICKORY RIDGE, Lakeland

2316 GENEVA Drive, Lakeland, FL, 33805 — assumable FHA mortgage at 2.88%
FHA
Active
33
$375,000$65,781 equity gap
Rate
2.88%
7.32%today
Payment
$1,447/mo
$2,394today
  • 4beds
  • 3baths
  • 2,726sqft

2316 GENEVA Drive, Lakeland

614 6TH Street, Lakeland, FL, 33805 — assumable FHA mortgage at 2.90%
FHA
Active
16
$185,000$23,068 equity gap
Rate
2.90%
7.32%today
Payment
$756/mo
$1,248today
  • 2beds
  • 1baths
  • 835sqft

614 6TH Street, Lakeland

1836 CRYSTAL LAKE Drive #95, Lakeland, FL, 33801 — assumable FHA mortgage at 2.35%
FHA
Active
31
$170,000$44,905 equity gap
Rate
2.35%
7.32%today
Payment
$563/mo
$998today
  • 4beds
  • 3baths
  • 1,730sqft

1836 CRYSTAL LAKE Drive #95, Lakeland

201 LAKE DALE Drive, Auburndale, FL, 33823 — assumable FHA mortgage at 2.60%
FHA
Active
39
$187,900$52,433 equity gap
Rate
2.60%
7.32%today
Payment
$625/mo
$1,072today
  • 2beds
  • 2baths
  • 1,210sqft

201 LAKE DALE Drive, Auburndale

313 GRIFFIN Avenue, Lakeland, FL, 33801 — assumable FHA mortgage at 2.80%
FHA
Active
21
$259,900$66,373 equity gap
Rate
2.80%
7.32%today
Payment
$896/mo
$1,497today
  • 3beds
  • 2baths
  • 1,441sqft

313 GRIFFIN Avenue, Lakeland

861 LOWELL Street, Lakeland, FL, 33805 — assumable FHA mortgage at 2.87%
FHA
Active
51
$235,000$51,245 equity gap
Rate
2.87%
7.32%today
Payment
$859/mo
$1,423today
  • 4beds
  • 2baths
  • 1,201sqft

861 LOWELL Street, Lakeland

5646 ALEXANDER SPRINGS Place, Lakeland, FL, 33811 — assumable FHA mortgage at 2.96%
FHA
Active
30
$299,499$85,837 equity gap
Rate
2.96%
7.32%today
Payment
$1,011/mo
$1,656today
  • 3beds
  • 2baths
  • 1,426sqft

5646 ALEXANDER SPRINGS Place, Lakeland

4934 WILDFLOWER Drive, Lakeland, FL, 33811 — assumable FHA mortgage at 3.05%
FHA
Active
52
$319,900$86,816 equity gap
Rate
3.05%
7.32%today
Payment
$1,104/mo
$1,787today
  • 4beds
  • 2baths
  • 1,904sqft

4934 WILDFLOWER Drive, Lakeland

8335 ADELE Road, Lakeland, FL, 33810 — assumable VA mortgage at 3.55%
VA
Active
31
$325,000$33,130 equity gap
Rate
3.55%
7.32%today
Payment
$1,451/mo
$2,206today
  • 3beds
  • 3baths
  • 1,861sqft

8335 ADELE Road, Lakeland

6146 MISSION Drive, Lakeland, FL, 33812 — assumable VA mortgage at 3.08%
VA
Active
47
$325,000$97,333 equity gap
Rate
3.08%
7.32%today
Payment
$1,099/mo
$1,772today
  • 3beds
  • 2baths
  • 1,960sqft

6146 MISSION Drive, Lakeland

4435 HORSE CREEK Lane, Lakeland, FL, 33811 — assumable VA mortgage at 4.00%
VA
Active
39
$369,900$31,336 equity gap
Rate
4.00%
7.32%today
Payment
$1,760/mo
$2,533today
  • 4beds
  • 2baths
  • 2,000sqft

4435 HORSE CREEK Lane, Lakeland

3438 CHRISTINA GROVES Court, Lakeland, FL, 33813 — assumable FHA mortgage at 3.85%
FHA
Active
19
$300,000$35,186 equity gap
Rate
3.85%
7.32%today
Payment
$1,355/mo
$1,985today
  • 3beds
  • 2baths
  • 1,206sqft

3438 CHRISTINA GROVES Court, Lakeland

4019 WINDING VINE Drive, Lakeland, FL, 33812 — assumable FHA mortgage at 3.89%
FHA
Active
28
$245,000$33,827 equity gap
Rate
3.89%
7.32%today
Payment
$1,087/mo
$1,585today
  • 4beds
  • 3baths
  • 1,479sqft

4019 WINDING VINE Drive, Lakeland

902 TOMLIN Street, Plant City, FL, 33563 — assumable VA mortgage at 4.17%
VA
Active
12
$317,000$20,839 equity gap
Rate
4.17%
7.32%today
Payment
$1,565/mo
$2,206today
  • 3beds
  • 2baths
  • 1,551sqft

902 TOMLIN Street, Plant City

1325 LAURA Street, Plant City, FL, 33563 — assumable FHA mortgage at 2.71%
FHA
Active
25
$274,900$91,378 equity gap
Rate
2.71%
7.32%today
Payment
$857/mo
$1,449today
  • 3beds
  • 3baths
  • 2,163sqft

1325 LAURA Street, Plant City

1845 FARRINGTON Drive, Lakeland, FL, 33809 — assumable VA mortgage at 2.73%
VA
Active
69
$425,000$155,954 equity gap
Rate
2.73%
7.32%today
Payment
$1,253/mo
$2,114today
  • 4beds
  • 2baths
  • 2,247sqft

1845 FARRINGTON Drive, Lakeland

5605 ARLINGTON RIVER Drive, Lakeland, FL, 33811 — assumable VA mortgage at 2.81%
VA
Active
42
$325,000$115,111 equity gap
Rate
2.81%
7.32%today
Payment
$993/mo
$1,658today
  • 4beds
  • 2baths
  • 1,848sqft

5605 ARLINGTON RIVER Drive, Lakeland

7973 OAK RUN Circle, Lakeland, FL, 33809 — assumable VA mortgage at 2.86%
VA
Active
39
$330,000$99,801 equity gap
Rate
2.86%
7.32%today
Payment
$1,073/mo
$1,779today
  • 3beds
  • 2baths
  • 1,795sqft

7973 OAK RUN Circle, Lakeland

589 DUNCAN Circle, Auburndale, FL, 33823 — assumable FHA mortgage at 2.87%
FHA
Active
16
$197,000$74,438 equity gap
Rate
2.87%
7.32%today
Payment
$572/mo
$947today
  • 3beds
  • 1baths
  • 925sqft

589 DUNCAN Circle, Auburndale

2113 GENEVA Drive, Lakeland, FL, 33805 — assumable FHA mortgage at 2.91%
FHA
Active
26
$310,000$122,667 equity gap
Rate
2.91%
7.32%today
Payment
$900/mo
$1,484today
  • 3beds
  • 2baths
  • 1,609sqft

2113 GENEVA Drive, Lakeland

4129 TIMBER VALLEY Way, Lakeland, FL, 33811 — assumable FHA mortgage at 2.96%
FHA
Active
37
$459,000$174,284 equity gap
Rate
2.96%
7.32%today
Payment
$1,350/mo
$2,211today
  • 5beds
  • 3baths
  • 2,640sqft

4129 TIMBER VALLEY Way, Lakeland

4005 CHELSEA Lane, Lakeland, FL, 33809 — assumable FHA mortgage at 2.98%
FHA
Active
16
$504,900$182,645 equity gap
Rate
2.98%
7.32%today
Payment
$1,525/mo
$2,491today
  • 4beds
  • 3baths
  • 2,366sqft

4005 CHELSEA Lane, Lakeland

2658 GRANDBURY GROVE Road, Lakeland, FL, 33811 — assumable VA mortgage at 3.00%
VA
Active
34
$315,000$123,456 equity gap
Rate
3.00%
7.32%today
Payment
$919/mo
$1,497today
  • 4beds
  • 2baths
  • 1,867sqft

2658 GRANDBURY GROVE Road, Lakeland

108 EARL Avenue, Auburndale, FL, 33823 — assumable FHA mortgage at 3.01%
FHA
Active
29
$239,000$87,772 equity gap
Rate
3.01%
7.32%today
Payment
$738/mo
$1,201today
  • 3beds
  • 2baths
  • 1,602sqft

108 EARL Avenue, Auburndale

2809 CHATSWORTH Lane, Lakeland, FL, 33812 — assumable VA mortgage at 3.02%
VA
Active
74
$580,000$209,811 equity gap
Rate
3.02%
7.32%today
Payment
$1,775/mo
$2,885today
  • 4beds
  • 3baths
  • 2,762sqft

2809 CHATSWORTH Lane, Lakeland

5685 ARLINGTON RIVER Drive, Lakeland, FL, 33811 — assumable FHA mortgage at 3.05%
FHA
Active
65
$399,000$148,819 equity gap
Rate
3.05%
7.32%today
Payment
$1,204/mo
$1,949today
  • 5beds
  • 3baths
  • 2,885sqft

5685 ARLINGTON RIVER Drive, Lakeland

2206 SHIRAH Road, Auburndale, FL, 33823 — assumable FHA mortgage at 3.08%
FHA
Active
30
$169,000$57,845 equity gap
Rate
3.08%
7.32%today
Payment
$535/mo
$863today
  • 3beds
  • 2baths
  • 920sqft

2206 SHIRAH Road, Auburndale

2240 SEA ISLAND Circle, Lakeland, FL, 33810 — assumable FHA mortgage at 3.21%
FHA
Active
34
$210,000$73,829 equity gap
Rate
3.21%
7.32%today
Payment
$680/mo
$1,079today
  • 2beds
  • 2baths
  • 1,241sqft

2240 SEA ISLAND Circle, Lakeland

6335 SILVER LEAF Lane, Lakeland, FL, 33813 — assumable FHA mortgage at 2.34%
FHA
Active
37
$369,000$235,403 equity gap
Rate
2.34%
7.32%today
Payment
$1,288/mo
$1,791today
  • 3beds
  • 2baths
  • 1,861sqft

6335 SILVER LEAF Lane, Lakeland

730 COLLEGE Avenue, Lakeland, FL, 33801 — assumable FHA mortgage at 2.70%
FHA
Active
59
$465,000$189,630 equity gap
Rate
2.70%
7.32%today
Payment
$1,266/mo
$2,145today
  • 3beds
  • 2baths
  • 1,767sqft

730 COLLEGE Avenue, Lakeland

4437 FLINTLOCK Loop, Lakeland, FL, 33810 — assumable FHA mortgage at 2.71%
FHA
Active
48
$480,000$231,547 equity gap
Rate
2.71%
7.32%today
Payment
$1,160/mo
$1,962today
  • 4beds
  • 2baths
  • 2,795sqft

4437 FLINTLOCK Loop, Lakeland

7306 WINNERS Boulevard, Lakeland, FL, 33810 — assumable FHA mortgage at 2.78%
FHA
Active
$379,900$201,832 equity gap
Rate
2.78%
7.32%today
Payment
$840/mo
$1,408today
  • 4beds
  • 2baths
  • 2,182sqft

7306 WINNERS Boulevard, Lakeland

6419 ENGLISH CREEK Drive, Lakeland, FL, 33811 — assumable VA mortgage at 2.80%
VA
Active
37
$519,900$244,003 equity gap
Rate
2.80%
7.32%today
Payment
$1,310/mo
$2,191today
  • 3beds
  • 2baths
  • 1,716sqft

6419 ENGLISH CREEK Drive, Lakeland

215 JOHN CARROLL Road, Lakeland, FL, 33801 — assumable VA mortgage at 2.81%
VA
Active
37
$300,000$163,793 equity gap
Rate
2.81%
7.32%today
Payment
$645/mo
$1,076today
  • 5beds
  • 3baths
  • 2,070sqft

215 JOHN CARROLL Road, Lakeland

Assuming a mortgage in Lakeland

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.34%
Lowest existing payment
$324 /mo
Median cash to assume
$79,871
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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