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Assumable homes for sale in Gainesville, FL

24 homesVA & FHA loansrates from 2.26% vs 7.18% today

Gainesville assumption guide
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

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

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

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

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

2809 35TH Place, Gainesville, FL, 32605 — assumable VA mortgage at 3.43%
VA
Active
73
$389,900$240,068 equity gap
Rate
3.43%
7.18%today
Payment
$864/mo
$1,314today
  • 3beds
  • 2baths
  • 2,143sqft

2809 35TH Place, Gainesville

4109 43RD Terrace #69, Gainesville, FL, 32606 — assumable FHA mortgage at 3.50%
FHA
Active
25
$194,000$194,000 equity gap
Rate
3.50%
7.18%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,176sqft

4109 43RD Terrace #69, Gainesville

4710 23RD Avenue, Gainesville, FL, 32606 — assumable VA mortgage at 4.17%
VA
Active
30
$325,000$100,400 equity gap
Rate
4.17%
7.18%today
Payment
$1,189/mo
$1,653today
  • 4beds
  • 2baths
  • 1,584sqft

4710 23RD Avenue, Gainesville

4106 13TH Place, Gainesville, FL, 32605 — assumable VA mortgage at 4.00%
VA
Active
35
$345,000$345,000 equity gap
Rate
4.00%
7.18%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,582sqft

4106 13TH Place, Gainesville

4942 1ST Place #67, Gainesville, FL, 32607 — assumable VA mortgage at 4.14%
VA
Active
28
$260,000$113,333 equity gap
Rate
4.14%
7.18%today
Payment
$830/mo
$1,158today
  • 3beds
  • 3baths
  • 1,584sqft

4942 1ST Place #67, Gainesville

2411 54TH Avenue, Gainesville, FL, 32653 — assumable VA mortgage at 6.12%
VA
Active
27
$280,000Potential short sale
Rate
6.12%
7.18%today
Payment
$1,799/mo
$2,007today
  • 3beds
  • 2baths
  • 1,505sqft

2411 54TH Avenue, Gainesville

4423 36TH Street, Gainesville, FL, 32605 — assumable FHA mortgage at 5.00%
FHA
Active
62
$330,000$129,207 equity gap
Rate
5.00%
7.18%today
Payment
$1,159/mo
$1,462today
  • 3beds
  • 2baths
  • 1,574sqft

4423 36TH Street, Gainesville

5931 26TH Street, Gainesville, FL, 32653 — assumable FHA mortgage at 6.32%
FHA
Active
27
$249,900$48,057 equity gap
Rate
6.32%
7.18%today
Payment
$1,309/mo
$1,430today
  • 3beds
  • 2baths
  • 1,241sqft

5931 26TH Street, Gainesville

4628 40TH Street, Gainesville, FL, 32606 — assumable VA mortgage at 6.39%
VA
Active
39
$309,900$41,075 equity gap
Rate
6.39%
7.18%today
Payment
$1,750/mo
$1,897today
  • 4beds
  • 2baths
  • 1,688sqft

4628 40TH Street, Gainesville

3915 7TH Place, Gainesville, FL, 32607 — assumable FHA mortgage at 6.94%
FHA
Active
16
$230,000$41,569 equity gap
Rate
6.94%
7.18%today
Payment
$1,279/mo
$1,311today
  • 2beds
  • 2baths
  • 1,200sqft

3915 7TH Place, Gainesville

4302 21ST Drive, Gainesville, FL, 32605 — assumable FHA mortgage at 6.50%
FHA
Active
24
$305,000$85,987 equity gap
Rate
6.50%
7.18%today
Payment
$1,428/mo
$1,530today
  • 3beds
  • 2baths
  • 1,415sqft

4302 21ST Drive, Gainesville

2921 54TH Avenue, Gainesville, FL, 32653 — assumable FHA mortgage at 6.62%
FHA
Active
23
$277,900$81,446 equity gap
Rate
6.62%
7.18%today
Payment
$1,296/mo
$1,372today
  • 3beds
  • 2baths
  • 1,365sqft

2921 54TH Avenue, Gainesville

1762 34TH Street #2, Gainesville, FL, 32605 — assumable VA mortgage at 7.06%
VA
Active
27
$375,000$133,115 equity gap
Rate
7.06%
7.18%today
Payment
$1,657/mo
$1,677today
  • 3beds
  • 3baths
  • 2,348sqft

1762 34TH Street #2, Gainesville

1321 31ST Drive, Gainesville, FL, 32605 — assumable FHA mortgage at 7.79%
FHA
Active
40
$370,000$116,480 equity gap
Rate
7.79%
7.18%today
Payment
$1,871/mo
$1,763today
  • 4beds
  • 2baths
  • 2,190sqft

1321 31ST Drive, Gainesville

2598 48TH Terrace, Gainesville, FL, 32606 — assumable VA mortgage at 6.50%
VA
Active
57
$535,000$535,000 equity gap
Rate
6.50%
7.18%today
Payment
$0/mo
  • 4beds
  • 3baths
  • 2,059sqft

2598 48TH Terrace, Gainesville

6110 30TH Terrace, Gainesville, FL, 32653 — assumable VA mortgage at 6.62%
VA
Active
$159,900Potential short sale
Rate
6.62%
7.18%today
Payment
$1,715/mo
$1,816today
  • 3beds
  • 2baths
  • 1,403sqft

6110 30TH Terrace, 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
2.26%
Lowest existing payment
$570/mo
Median cash to assume
$106,867
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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