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Assumable homes for sale in Lakeland, FL

20 homesFHA & VA loansrates from 2.34% vs 7.18% today

Lakeland assumption guide
2145 SANDY HOOK, Lakeland, FL, 33813 — assumable FHA mortgage at 2.87%
FHATop pick
Active
8
$204,000$8,501 equity gap
Rate
2.87%
7.18%today
Payment
$916/mo
$1,497today
  • 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$50,672 equity gap
Rate
2.88%
7.18%today
Payment
$1,210/mo
$1,975today
  • 3beds
  • 2baths
  • 1,594sqft

2829 HICKORY RIDGE, Lakeland

2809 CHATSWORTH Lane, Lakeland, FL, 33812 — assumable VA mortgage at 3.02%
VA
Active
74
$580,000$210,654 equity gap
Rate
3.02%
7.18%today
Payment
$1,775/mo
$2,845today
  • 4beds
  • 3baths
  • 2,762sqft

2809 CHATSWORTH Lane, Lakeland

5939 WINDWOOD Drive, Lakeland, FL, 33813 — assumable VA mortgage at 3.05%
VA
Active
45
$495,000$187,118 equity gap
Rate
3.05%
7.18%today
Payment
$1,485/mo
$2,370today
  • 4beds
  • 2baths
  • 3,159sqft

5939 WINDWOOD Drive, Lakeland

6335 SILVER LEAF Lane, Lakeland, FL, 33813 — assumable FHA mortgage at 2.34%
FHA
Active
37
$369,000$236,431 equity gap
Rate
2.34%
7.18%today
Payment
$1,288/mo
$1,776today
  • 3beds
  • 2baths
  • 1,861sqft

6335 SILVER LEAF Lane, Lakeland

525 GANDHI Drive, Lakeland, FL, 33813 — assumable FHA mortgage at 2.96%
FHA
Active
46
$579,988$259,396 equity gap
Rate
2.96%
7.18%today
Payment
$1,520/mo
$2,456today
  • 4beds
  • 2baths
  • 2,470sqft

525 GANDHI Drive, Lakeland

960 LAKE COVE Trail, Lakeland, FL, 33813 — assumable VA mortgage at 4.05%
VA
Active
77
$470,000$183,860 equity gap
Rate
4.05%
7.18%today
Payment
$1,705/mo
$2,405today
  • 6beds
  • 5baths
  • 4,006sqft

960 LAKE COVE Trail, Lakeland

2687 BROOKSIDE BLUFF Loop, Lakeland, FL, 33813 — assumable FHA mortgage at 5.22%
FHA
Active
36
$499,900$118,368 equity gap
Rate
5.22%
7.18%today
Payment
$2,237/mo
$2,754today
  • 5beds
  • 3baths
  • 3,207sqft

2687 BROOKSIDE BLUFF Loop, Lakeland

4646 OLD 37 Road, Lakeland, FL, 33813 — assumable FHA mortgage at 6.26%
FHA
Active
44
$264,000$14,278 equity gap
Rate
6.26%
7.18%today
Payment
$1,609/mo
$1,768today
  • 3beds
  • 2baths
  • 1,184sqft

4646 OLD 37 Road, Lakeland

2314 EASTMEADOWS Court, Lakeland, FL, 33812 — assumable FHA mortgage at 6.75%
FHA
Active
51
$415,000$21,574 equity gap
Rate
6.75%
7.18%today
Payment
$2,579/mo
$2,694today
  • 4beds
  • 2baths
  • 1,741sqft

2314 EASTMEADOWS Court, Lakeland

4404 LAUREL POINTE Drive, Lakeland, FL, 33813 — assumable FHA mortgage at 6.86%
FHA
Active
43
$419,000$39,911 equity gap
Rate
6.86%
7.18%today
Payment
$2,544/mo
$2,627today
  • 3beds
  • 2baths
  • 2,359sqft

4404 LAUREL POINTE Drive, Lakeland

2577 HIGHLANDS VUE Parkway, Lakeland, FL, 33812 — assumable FHA mortgage at 6.99%
FHA
Active
45
$395,000$26,024 equity gap
Rate
6.99%
7.18%today
Payment
$2,512/mo
$2,561today
  • 3beds
  • 2baths
  • 2,243sqft

2577 HIGHLANDS VUE Parkway, Lakeland

4803 KIMBALL Court, Lakeland, FL, 33813 — assumable FHA mortgage at 4.52%
FHA
Active
37
$400,000$323,061 equity gap
Rate
4.52%
7.18%today
Payment
$594/mo
$792today
  • 5beds
  • 4baths
  • 2,553sqft

4803 KIMBALL Court, Lakeland

2147 GLEN HEIGHTS Place, Lakeland, FL, 33813 — assumable VA mortgage at 4.54%
VA
Active
45
$425,000$245,606 equity gap
Rate
4.54%
7.18%today
Payment
$1,078/mo
$1,435today
  • 4beds
  • 2baths
  • 1,932sqft

2147 GLEN HEIGHTS Place, Lakeland

2671 PINE BRUSH Drive, Lakeland, FL, 33813 — assumable FHA mortgage at 6.87%
FHA
Active
47
$360,000$57,146 equity gap
Rate
6.87%
7.18%today
Payment
$2,040/mo
$2,105today
  • 3beds
  • 2baths
  • 1,411sqft

2671 PINE BRUSH Drive, Lakeland

305 W WELLINGTON DR, Lakeland, FL, 33813 — assumable VA mortgage at 7.22%
VA
Active
19
$350,000$40,291 equity gap
Rate
7.22%
7.18%today
Payment
$2,166/mo
$2,158today
  • 3beds
  • 2baths
  • 1,421sqft

305 W WELLINGTON DR, Lakeland

1321 LAKE MIRIAM Drive, Lakeland, FL, 33813 — assumable FHA mortgage at 6.78%
FHA
Active
44
$499,900$104,898 equity gap
Rate
6.78%
7.18%today
Payment
$2,630/mo
$2,739today
  • 5beds
  • 3baths
  • 2,341sqft

1321 LAKE MIRIAM Drive, Lakeland

428 FITZGERALD Road, Lakeland, FL, 33813 — assumable FHA mortgage at 5.25%
FHA
Active
42
$269,900$193,750 equity gap
Rate
5.25%
7.18%today
Payment
$490/mo
$601today
  • 3beds
  • 2baths
  • 1,311sqft

428 FITZGERALD Road, Lakeland

4626 DAIL Road, Lakeland, FL, 33813 — assumable VA mortgage at 6.69%
VA
Active
$175,000Potential short sale
Rate
6.69%
7.18%today
Payment
$1,418/mo
$1,490today
  • 3beds
  • 2baths
  • 960sqft

4626 DAIL Road, Lakeland

2637 GRACE Manor, Lakeland, FL, 33812 — assumable FHA mortgage at 6.85%
FHA
Active
42
$675,000$390,217 equity gap
Rate
6.85%
7.18%today
Payment
$1,889/mo
$1,953today
  • 4beds
  • 3baths
  • 2,434sqft

2637 GRACE Manor, 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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.34%
Lowest existing payment
$490/mo
Median cash to assume
$118,368
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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