FHATop pick
Active
22$269,900$27,153 equity gap
- Rate
- 2.98%
7.18%today- Payment
- $1,156/mo
$1,863today
- 4beds
- 2baths
- 1,823sqft
Champions Gate, Florida
Assumable homes for salein Champions Gate, Florida.
1 home in Champions Gate carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 7.29%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Champions Gate assumable market
by the numbers.
1active assumable listing
7.29%lowest locked rate
$675kmedian list price
$99saved per month vs. 7.2%
About the market
Assumable mortgagesin Champions Gate, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Champions Gate. Updated November 2026.
How assumptions work for buyersChampions Gate, Florida has 1 home for sale with an assumable mortgage as of November 2026: 1 VA loan 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 Champions Gate assumable listings start at 7.29% with a median of 7.29%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Champions Gate lists for $675,000, with a median of $59,583 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 $4,337 a month versus $4,437 for the same balance at today's rate, roughly $99 kept every month and $1,193 a year. The most active Champions Gate ZIP codes are 33896 (1).
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 Champions Gate assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Champions Gate
View all 1 on the map Homes on the marketin Champions Gate.
VATop pick
Active
25$328,000$18,173 equity gap
- Rate
- 3.07%
7.18%today- Payment
- $1,468/mo
$2,337today
- 4beds
- 3baths
- 1,697sqft
16049 MAGNOLIA HILL Street, Clermont
FHA
Active
13$299,800$59,103 equity gap
- Rate
- 2.67%
7.18%today- Payment
- $1,119/mo
$1,876today
- 5beds
- 3baths
- 2,276sqft
270 TARPON BAY Boulevard, Haines City
FHA
Active
44$345,000$62,334 equity gap
- Rate
- 2.80%
7.18%today- Payment
- $1,311/mo
$2,162today
- 3beds
- 2baths
- 2,249sqft
500 ARENA Drive, Davenport
FHA
Active
38$320,000$10,304 equity gap
- Rate
- 2.84%
7.18%today- Payment
- $1,440/mo
$2,361today
- 4beds
- 3baths
- 3,628sqft
1009 RONLIN Street, Haines City
FHA
Active
32$249,999$44,749 equity gap
- Rate
- 2.94%
7.18%today- Payment
- $974/mo
$1,576today
- 4beds
- 2baths
- 1,500sqft
596 BOARDWALK Avenue, 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 Champions Gate.
Live counts from the MLS feeds we index for Florida. Updated November 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 7.29%
- Median rate
- 7.29%
- Median list price
- $675,000
- Median cash to assume
- $59,583
Champions Gate listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Champions Gate listings by loan type
- VA1 homemedian 7.29%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Champions Gate ZIP code.
Each ZIP opens the Champions Gate map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Champions Gate numbers
What an assumable ratedoes to a Champions Gate payment.
The sliders start at the median Champions Gate assumable listing: $675,000 list price and a 7.29% 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
9% 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 Champions Gate
$4,405/mo
New loan at 7.20%$4,175
Assumed at 7.30%
$4,405
Every month$0
Over five years$0
Interest you never pay$128,39426-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 Champions Gate listing on UMe shows the actual balance, rate, and payment.
How it works in Champions Gate
How to assumea mortgage in Champions Gate.
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 Champions Gate home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Champions Gate 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 $59,583 in Champions Gate 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 Champions Gate payment written in a different decade.
Champions Gate questions
Assuming a mortgagein Champions Gate.
The numbers below come from current Champions Gate inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Champions Gate?
As of November 2026, UMe tracks 1 active assumable listing in Champions Gate. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Champions Gate?
Current Champions Gate inventory breaks down as VA (1, median 7.29%). 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 Champions Gate?
The lowest rate on an active Champions Gate assumable listing is 7.29%, and the median across all 1 listing is 7.29%. 0 listings are under 4% and 0 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 Champions Gate?
Across current Champions Gate listings, the median principal-and-interest payment on the assumable loan is $4,337 per month versus $4,437 for the same balance at today's rates, a difference of about $99 every month, or $1,193 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 Champions Gate?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Champions Gate that gap is currently a median of $59,583 on a median list price of $675,000. 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 Champions Gate ZIP codes have the most assumable homes?
The Champions Gate ZIP codes with the most active assumable listings are 33896 (1). 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 Champions Gate?
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 Champions Gate.The rate is already on the house.
Every listing on the Champions Gate map has a rate you can take over. Start with the ones in Champions Gate, get pre-qualified in minutes, and let UMe carry the assumption to closing.