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Assumable homes for sale in Gainesville, FL

123 homesVA & FHA loansrates from 2.19% vs 7.18% today

Gainesville assumption guide
4952 64TH Road, Gainesville, FL, 32608 — assumable VA mortgage at 3.09%
VATop pick
Active
39
$469,900$26,181 equity gap
Rate
3.09%
7.18%today
Payment
$2,111/mo
$3,353today
  • 4beds
  • 3baths
  • 2,085sqft

4952 64TH Road, Gainesville

1334 1ST Avenue, Gainesville, FL, 32641 — assumable VA mortgage at 2.42%
VA
Active
18
$189,000$29,600 equity gap
Rate
2.42%
7.18%today
Payment
$1,052/mo
$1,572today
  • 3beds
  • 1baths
  • 1,328sqft

1334 1ST Avenue, Gainesville

3929 20TH Terrace, Gainesville, FL, 32605 — assumable VA mortgage at 3.05%
VA
Active
57
$299,900$55,201 equity gap
Rate
3.05%
7.18%today
Payment
$1,154/mo
$1,842today
  • 4beds
  • 2baths
  • 1,660sqft

3929 20TH Terrace, Gainesville

2541 52ND Place, Gainesville, FL, 32605 — assumable FHA mortgage at 3.07%
FHA
Active
25
$222,500$33,330 equity gap
Rate
3.07%
7.18%today
Payment
$898/mo
$1,430today
  • 3beds
  • 2baths
  • 1,181sqft

2541 52ND Place, Gainesville

2032 33RD Avenue, Gainesville, FL, 32605 — assumable FHA mortgage at 2.77%
FHA
Active
31
$294,900$73,240 equity gap
Rate
2.77%
7.18%today
Payment
$1,025/mo
$1,696today
  • 2beds
  • 2baths
  • 1,272sqft

2032 33RD Avenue, Gainesville

3803 26TH Street, Gainesville, FL, 32605 — assumable FHA mortgage at 2.93%
FHA
Active
30
$268,000$66,650 equity gap
Rate
2.93%
7.18%today
Payment
$952/mo
$1,543today
  • 3beds
  • 2baths
  • 1,292sqft

3803 26TH Street, Gainesville

1127 14TH Street, Gainesville, FL, 32641 — assumable VA mortgage at 3.69%
VA
Active
5
$219,000$40,587 equity gap
Rate
3.69%
7.18%today
Payment
$901/mo
$1,327today
  • 3beds
  • 2baths
  • 1,420sqft

1127 14TH Street, Gainesville

1528 12TH Place, Gainesville, FL, 32641 — assumable FHA mortgage at 3.89%
FHA
Active
18
$169,500$33,042 equity gap
Rate
3.89%
7.18%today
Payment
$702/mo
$1,010today
  • 3beds
  • 1baths
  • 960sqft

1528 12TH Place, Gainesville

1326 90TH Street, Gainesville, FL, 32607 — assumable VA mortgage at 2.65%
VA
Active
91
$969,000$381,449 equity gap
Rate
2.65%
7.18%today
Payment
$2,726/mo
$4,582today
  • 5beds
  • 4baths
  • 3,853sqft

1326 90TH Street, Gainesville

7753 21ST Terrace, Gainesville, FL, 32609 — assumable VA mortgage at 2.75%
VA
Active
32
$290,000$109,908 equity gap
Rate
2.75%
7.18%today
Payment
$831/mo
$1,379today
  • 3beds
  • 2baths
  • 1,433sqft

7753 21ST Terrace, Gainesville

4323 12TH Terrace, Gainesville, FL, 32609 — assumable VA mortgage at 3.06%
VA
Active
34
$244,900$77,303 equity gap
Rate
3.06%
7.18%today
Payment
$807/mo
$1,287today
  • 4beds
  • 2baths
  • 1,252sqft

4323 12TH Terrace, Gainesville

8389 80TH Place, Gainesville, FL, 32608 — assumable VA mortgage at 3.09%
VA
Active
35
$450,000$168,712 equity gap
Rate
3.09%
7.18%today
Payment
$1,359/mo
$2,159today
  • 4beds
  • 3baths
  • 2,637sqft

8389 80TH Place, Gainesville

9627 40TH Lane, Gainesville, FL, 32608 — assumable VA mortgage at 2.19%
VA
Active
54
$985,000$597,927 equity gap
Rate
2.19%
7.18%today
Payment
$3,568/mo
$4,972today
  • 5beds
  • 5baths
  • 3,890sqft

9627 40TH Lane, Gainesville

5921 28TH Terrace, Gainesville, FL, 32653 — assumable FHA mortgage at 2.26%
FHA
Active
14
$265,000$126,557 equity gap
Rate
2.26%
7.18%today
Payment
$1,320/mo
$1,830today
  • 3beds
  • 2baths
  • 1,170sqft

5921 28TH Terrace, Gainesville

2905 ARCHER Road #S4024, Gainesville, FL, 32608 — assumable VA mortgage at 2.31%
VA
Active
19
$139,900$129,112 equity gap
Rate
2.31%
7.18%today
Payment
$3,610/mo
$4,064today
  • 2beds
  • 2baths
  • 800sqft

2905 ARCHER Road #S4024, Gainesville

432 15TH Street, Gainesville, FL, 32641 — assumable VA mortgage at 2.68%
VA
Active
17
$139,900$51,286 equity gap
Rate
2.68%
7.18%today
Payment
$413/mo
$692today
  • 2beds
  • 1baths
  • 968sqft

432 15TH Street, Gainesville

5134 92ND Court, Gainesville, FL, 32608 — assumable VA mortgage at 2.71%
VA
Active
20
$235,000$146,368 equity gap
Rate
2.71%
7.18%today
Payment
$415/mo
$692today
  • 2beds
  • 2baths
  • 952sqft

5134 92ND Court, Gainesville

900 62ND Boulevard #L76, Gainesville, FL, 32607 — assumable VA mortgage at 2.72%
VA
Active
47
$158,900$82,037 equity gap
Rate
2.72%
7.18%today
Payment
$362/mo
$603today
  • 2beds
  • 2baths
  • 1,106sqft

900 62ND Boulevard #L76, Gainesville

2827 42ND Place, Gainesville, FL, 32605 — assumable VA mortgage at 2.73%
VA
Active
38
$280,000$157,936 equity gap
Rate
2.73%
7.18%today
Payment
$570/mo
$948today
  • 3beds
  • 2baths
  • 1,430sqft

2827 42ND Place, Gainesville

7304 18TH Place, Gainesville, FL, 32607 — assumable VA mortgage at 2.73%
VA
Active
18
$300,000$148,624 equity gap
Rate
2.73%
7.18%today
Payment
$707/mo
$1,176today
  • 3beds
  • 2baths
  • 1,442sqft

7304 18TH Place, Gainesville

8620 35TH Road, Gainesville, FL, 32606 — assumable FHA mortgage at 2.79%
FHA
Active
53
$349,900$153,107 equity gap
Rate
2.79%
7.18%today
Payment
$927/mo
$1,530today
  • 3beds
  • 2baths
  • 1,601sqft

8620 35TH Road, Gainesville

6464 77TH Street, Gainesville, FL, 32608 — assumable VA mortgage at 2.81%
VA
Active
52
$439,900$279,258 equity gap
Rate
2.81%
7.18%today
Payment
$764/mo
$1,258today
  • 4beds
  • 3baths
  • 2,077sqft

6464 77TH Street, Gainesville

9028 76TH Avenue, Gainesville, FL, 32608 — assumable VA mortgage at 2.83%
VA
Active
40
$335,000$202,975 equity gap
Rate
2.83%
7.18%today
Payment
$619/mo
$1,016today
  • 3beds
  • 2baths
  • 1,402sqft

9028 76TH Avenue, Gainesville

8391 75TH Road, Gainesville, FL, 32608 — assumable VA mortgage at 2.89%
VA
Active
43
$485,000$422,007 equity gap
Rate
2.89%
7.18%today
Payment
$1,165/mo
$1,545today
  • 4beds
  • 3baths
  • 2,637sqft

8391 75TH Road, Gainesville

1019 25TH Avenue, Gainesville, FL, 32609 — assumable VA mortgage at 2.96%
VA
Active
22
$249,900$112,799 equity gap
Rate
2.96%
7.18%today
Payment
$650/mo
$1,050today
  • 3beds
  • 1baths
  • 1,133sqft

1019 25TH Avenue, Gainesville

2635 35TH Place #1506, Gainesville, FL, 32608 — assumable VA mortgage at 3.00%
VA
Active
41
$134,900$134,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 3baths
  • 1,088sqft

2635 35TH Place #1506, Gainesville

3970 20TH Avenue #904, Gainesville, FL, 32607 — assumable VA mortgage at 3.00%
VA
Active
23
$169,900$169,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 3baths
  • 1,176sqft

3970 20TH Avenue #904, Gainesville

4415 34TH Street #309, Gainesville, FL, 32608 — assumable VA mortgage at 3.00%
VA
Active
37
$157,900$157,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 3baths
  • 1,172sqft

4415 34TH Street #309, Gainesville

109 16TH Avenue #Q101, Gainesville, FL, 32601 — assumable VA mortgage at 3.00%
VA
Active
15
$97,500$97,500 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 874sqft

109 16TH Avenue #Q101, Gainesville

3901 20TH Avenue #806, Gainesville, FL, 32607 — assumable VA mortgage at 3.00%
VA
Active
18
$169,000$169,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 3baths
  • 1,176sqft

3901 20TH Avenue #806, Gainesville

6519 NEWBERRY Road #305, Gainesville, FL, 32605 — assumable VA mortgage at 3.00%
VA
Active
31
$89,900$89,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 1,164sqft

6519 NEWBERRY Road #305, Gainesville

6015 36TH Way, Gainesville, FL, 32608 — assumable VA mortgage at 3.00%
VA
Active
85
$639,900$639,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 3,764sqft

6015 36TH Way, Gainesville

2832 22ND Street, Gainesville, FL, 32605 — assumable VA mortgage at 3.31%
VA
Active
42
$349,000$229,952 equity gap
Rate
3.31%
7.18%today
Payment
$605/mo
$935today
  • 3beds
  • 2baths
  • 1,971sqft

2832 22ND Street, Gainesville

1717 28TH Avenue, Gainesville, FL, 32609 — assumable FHA mortgage at 3.64%
FHA
Active
16
$160,000$51,317 equity gap
Rate
3.64%
7.18%today
Payment
$575/mo
$853today
  • 2beds
  • 2baths
  • 1,648sqft

1717 28TH Avenue, Gainesville

3289 120TH Terrace, Gainesville, FL, 32608 — assumable VA mortgage at 4.16%
VA
Active
26
$622,000$169,379 equity gap
Rate
4.16%
7.18%today
Payment
$2,398/mo
$3,338today
  • 4beds
  • 3baths
  • 2,200sqft

3289 120TH Terrace, Gainesville

4415 SW 34TH ST #410, Gainesville, FL, 32608 — assumable VA mortgage at 3.41%
VA
Active
26
$164,400Potential short sale
Rate
3.41%
7.18%today
Payment
$1,064/mo
$1,624today
  • 2beds
  • 3baths
  • 1,172sqft

4415 SW 34TH ST #410, Gainesville

Assuming a mortgage in Gainesville

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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.19%
Lowest existing payment
$362/mo
Median cash to assume
$114,184
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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