UMe
Get pre-qualified

Assumable homes for sale in Winter Haven, FL

36 homesFHA & VA loansrates from 2.65% vs 7.32% today

Winter Haven assumption guide
851 VIENNA Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 3.76%
VA
Active
45
$279,900Potential short sale
Rate
3.76%
7.32%today
Payment
$1,455/mo
$2,155today
  • 3beds
  • 2baths
  • 1,569sqft

851 VIENNA Drive, Winter Haven

1475 GRAND CAYMAN Circle, Winter Haven, FL, 33884 — assumable VA mortgage at 2.66%
VA
Active
59
$359,000$102,697 equity gap
Rate
2.66%
7.32%today
Payment
$1,190/mo
$2,026today
  • 3beds
  • 2baths
  • 2,066sqft

1475 GRAND CAYMAN Circle, Winter Haven

3541 RALEIGH Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 2.90%
VA
Active
56
$345,000$90,937 equity gap
Rate
2.90%
7.32%today
Payment
$1,200/mo
$1,980today
  • 3beds
  • 3baths
  • 2,006sqft

3541 RALEIGH Drive, Winter Haven

153 BROWNING CIR, Winter Haven, FL, 33884 — assumable FHA mortgage at 2.97%
FHA
Active
48
$269,000$72,325 equity gap
Rate
2.97%
7.32%today
Payment
$940/mo
$1,538today
  • 3beds
  • 2baths
  • 1,144sqft

153 BROWNING CIR, Winter Haven

12 SAINT KITTS Circle, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.05%
FHA
Active
34
$294,000$67,092 equity gap
Rate
3.05%
7.32%today
Payment
$1,075/mo
$1,740today
  • 3beds
  • 2baths
  • 1,639sqft

12 SAINT KITTS Circle, Winter Haven

4081 DUNMORE Drive, Lake Wales, FL, 33859 — assumable VA mortgage at 2.65%
VA
Active
33
$390,500$135,120 equity gap
Rate
2.65%
7.32%today
Payment
$1,185/mo
$2,020today
  • 3beds
  • 2baths
  • 2,027sqft

4081 DUNMORE Drive, Lake Wales

121 LOWELL Road, Winter Haven, FL, 33884 — assumable VA mortgage at 2.68%
VA
Active
58
$335,000$135,823 equity gap
Rate
2.68%
7.32%today
Payment
$927/mo
$1,574today
  • 3beds
  • 2baths
  • 1,980sqft

121 LOWELL Road, Winter Haven

355 RUBY LAKE Loop, Winter Haven, FL, 33884 — assumable VA mortgage at 2.90%
VA
Active
35
$464,000$199,845 equity gap
Rate
2.90%
7.32%today
Payment
$1,242/mo
$2,049today
  • 4beds
  • 3baths
  • 2,648sqft

355 RUBY LAKE Loop, Winter Haven

4063 BIRKDALE Drive, Lake Wales, FL, 33859 — assumable VA mortgage at 2.97%
VA
Active
22
$294,900$193,494 equity gap
Rate
2.97%
7.32%today
Payment
$483/mo
$789today
  • 2beds
  • 2baths
  • 1,530sqft

4063 BIRKDALE Drive, Lake Wales

1901 LAKE ELOISE Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 2.99%
VA
Active
48
$500,000$329,005 equity gap
Rate
2.99%
7.32%today
Payment
$812/mo
$1,324today
  • 3beds
  • 3baths
  • 2,958sqft

1901 LAKE ELOISE Drive, Winter Haven

4408 GLENNS Landing, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.00%
FHA
Active
47
$265,000$265,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,668sqft

4408 GLENNS Landing, Winter Haven

817 REFLECTIONS Loop, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.10%
FHA
Active
35
$340,000$179,487 equity gap
Rate
3.10%
7.32%today
Payment
$822/mo
$1,293today
  • 4beds
  • 2baths
  • 2,257sqft

817 REFLECTIONS Loop, Winter Haven

86 LAKE DAISY Boulevard, Winter Haven, FL, 33884 — assumable VA mortgage at 3.13%
VA
Active
27
$269,999$148,046 equity gap
Rate
3.13%
7.32%today
Payment
$604/mo
$968today
  • 2beds
  • 2baths
  • 1,826sqft

86 LAKE DAISY Boulevard, Winter Haven

202 SAINT LUCIE Road, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.50%
FHA
Active
32
$299,900$117,843 equity gap
Rate
3.50%
7.32%today
Payment
$957/mo
$1,464today
  • 3beds
  • 2baths
  • 1,764sqft

202 SAINT LUCIE Road, Winter Haven

651 LAKE DEXTER Circle, Winter Haven, FL, 33884 — assumable VA mortgage at 3.21%
VA
Active
24
$200,000$198,288 equity gap
Rate
3.21%
7.32%today
Payment
$345/mo
$451today
  • 3beds
  • 2baths
  • 1,345sqft

651 LAKE DEXTER Circle, Winter Haven

1973 CARNOSTIE Road, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.55%
FHA
Active
16
$199,000Potential short sale
Rate
3.55%
7.32%today
Payment
$1,442/mo
$2,192today
  • 4beds
  • 2baths
  • 1,828sqft

1973 CARNOSTIE Road, Winter Haven

2362 BRASSIE Court, Winter Haven, FL, 33884 — assumable FHA mortgage at 5.55%
FHA
Active
34
$265,000$20,918 equity gap
Rate
5.55%
7.32%today
Payment
$1,477/mo
$1,778today
  • 3beds
  • 2baths
  • 1,260sqft

2362 BRASSIE Court, Winter Haven

9 WINTERSET DR, Winter Haven, FL, 33884 — assumable VA mortgage at 6.22%
VA
Active
20
$430,000$15,631 equity gap
Rate
6.22%
7.32%today
Payment
$2,561/mo
$2,866today
  • 4beds
  • 2baths
  • 2,489sqft

9 WINTERSET DR, Winter Haven

2639 SAN MARCO Way, Winter Haven, FL, 33884 — assumable VA mortgage at 6.60%
VA
Active
7
$330,000Potential short sale
Rate
6.60%
7.32%today
Payment
$2,255/mo
$2,425today
  • 5beds
  • 4baths
  • 2,701sqft

2639 SAN MARCO Way, Winter Haven

3158 BEAUCHAMP Court, Winter Haven, FL, 33884 — assumable VA mortgage at 6.85%
VA
Active
83
$484,900$5,346 equity gap
Rate
6.85%
7.32%today
Payment
$3,181/mo
$3,335today
  • 4beds
  • 3baths
  • 2,552sqft

3158 BEAUCHAMP Court, Winter Haven

6066 SOUTHERN OAKS Drive, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.89%
FHA
Active
36
$129,900$1,251 equity gap
Rate
6.89%
7.32%today
Payment
$865/mo
$903today
  • 2beds
  • 2baths
  • 828sqft

6066 SOUTHERN OAKS Drive, Winter Haven

3927 PALAZZO Place, Winter Haven, FL, 33884 — assumable VA mortgage at 7.23%
VA
Active
52
$300,000$12,809 equity gap
Rate
7.23%
7.32%today
Payment
$2,017/mo
$2,035today
  • 3beds
  • 2baths
  • 1,597sqft

3927 PALAZZO Place, Winter Haven

7380 BENT GRASS Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 6.23%
VA
Active
65
$559,900$109,485 equity gap
Rate
6.23%
7.32%today
Payment
$2,789/mo
$3,118today
  • 4beds
  • 3baths
  • 2,775sqft

7380 BENT GRASS Drive, Winter Haven

6704 WINTERSET GARDENS Road, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.29%
FHA
Active
69
$399,000$69,944 equity gap
Rate
6.29%
7.32%today
Payment
$2,139/mo
$2,376today
  • 3beds
  • 2baths
  • 2,418sqft

6704 WINTERSET GARDENS Road, Winter Haven

464 TERRANOVA Street, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.35%
FHA
Active
62
$359,900$63,749 equity gap
Rate
6.35%
7.32%today
Payment
$1,884/mo
$2,079today
  • 3beds
  • 2baths
  • 1,893sqft

464 TERRANOVA Street, Winter Haven

215 KILMER Lane, Winter Haven, FL, 33884 — assumable FHA mortgage at 7.20%
FHA
Active
36
$379,998$74,798 equity gap
Rate
7.20%
7.32%today
Payment
$2,133/mo
$2,158today
  • 4beds
  • 3baths
  • 1,680sqft

215 KILMER Lane, Winter Haven

5707 LAKE FOX Drive, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.93%
FHA
Active
38
$260,000$70,092 equity gap
Rate
6.93%
7.32%today
Payment
$1,275/mo
$1,325today
  • 4beds
  • 3baths
  • 2,300sqft

5707 LAKE FOX Drive, Winter Haven

1714 UPLAND Lane, Winter Haven, FL, 33884 — assumable VA mortgage at 6.50%
VA
Active
40
$424,900$126,844 equity gap
Rate
6.50%
7.32%today
Payment
$1,903/mo
$2,069today
  • 4beds
  • 3baths
  • 2,565sqft

1714 UPLAND Lane, Winter Haven

4956 JACKSON Street, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.50%
FHA
Active
38
$295,000$102,810 equity gap
Rate
6.50%
7.32%today
Payment
$1,267/mo
$1,377today
  • 4beds
  • 2baths
  • 1,876sqft

4956 JACKSON Street, Winter Haven

329 LAKE DAISY Loop, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.90%
FHA
Active
26
$320,000$127,899 equity gap
Rate
6.90%
7.32%today
Payment
$1,322/mo
$1,379today
  • 3beds
  • 2baths
  • 1,563sqft

329 LAKE DAISY Loop, Winter Haven

408 LANIER Lane, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.56%
FHA
Active
29
$320,000$317,150 equity gap
Rate
6.56%
7.32%today
Payment
$18/mo
$20today
  • 3beds
  • 2baths
  • 1,680sqft

408 LANIER Lane, Winter Haven

344 RUBY LAKE Loop, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.58%
FHA
Active
57
$409,000$396,330 equity gap
Rate
6.58%
7.32%today
Payment
$83/mo
$89today
  • 4beds
  • 2baths
  • 2,215sqft

344 RUBY LAKE Loop, Winter Haven

1710 GARDEN LAKE Drive #1710, Winter Haven, FL, 33884 — assumable FHA mortgage at 6.90%
FHA
Active
21
$170,000Potential short sale
Rate
6.90%
7.32%today
Payment
$1,267/mo
$1,321today
  • 2beds
  • 2baths
  • 1,103sqft

1710 GARDEN LAKE Drive #1710, Winter Haven

1166 YUMURI Street, Winter Haven, FL, 33884 — assumable FHA mortgage at 7.09%
FHA
Active
33
$300,000$268,703 equity gap
Rate
7.09%
7.32%today
Payment
$224/mo
$228today
  • 4beds
  • 3baths
  • 1,964sqft

1166 YUMURI Street, Winter Haven

216 SHORE Loop, Winter Haven, FL, 33884 — assumable FHA mortgage at 7.32%
FHA
Active
40
$335,000$350,815 equity gap
Rate
7.32%
7.32%today
Payment
$500/mo
$500today
  • 3beds
  • 2baths
  • 1,701sqft

216 SHORE Loop, Winter Haven

419 SAINT ANNS Drive, Winter Haven, FL, 33884 — assumable FHA mortgage at 8.23%
FHA
Active
38
$279,900$289,948 equity gap
Rate
8.23%
7.32%today
Payment
$638/mo
$585today
  • 3beds
  • 2baths
  • 1,505sqft

419 SAINT ANNS Drive, Winter Haven

Assuming a mortgage in Winter Haven

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
2.65%
Lowest existing payment
$345 /mo
Median cash to assume
$122,344
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.

UMe