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Assumable homes for sale in Winter Haven, FL

200 homesFHA & VA loansrates from 2.18% vs 7.18% today

Winter Haven assumption guide
236 HILLCREST Drive, Dundee, FL, 33838 — assumable FHA mortgage at 3.07%
FHATop pick
Active
25
$357,000$31,369 equity gap
Rate
3.07%
7.18%today
Payment
$1,542/mo
$2,456today
  • 4beds
  • 3baths
  • 2,066sqft

236 HILLCREST Drive, Dundee

513 LEMON Street, Auburndale, FL, 33823 — assumable FHA mortgage at 3.45%
FHATop pick
Active
10
$219,900Potential short sale
Rate
3.45%
7.18%today
Payment
$1,095/mo
$1,663today
  • 3beds
  • 2baths
  • 1,299sqft

513 LEMON Street, Auburndale

270 TARPON BAY Boulevard, Haines City, FL, 33844 — assumable FHA mortgage at 2.67%
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

440 KENSINGTON VIEW Drive, Winter Haven, FL, 33880 — assumable FHA mortgage at 2.68%
FHA
Active
32
$269,000$53,164 equity gap
Rate
2.68%
7.18%today
Payment
$1,005/mo
$1,682today
  • 3beds
  • 2baths
  • 1,688sqft

440 KENSINGTON VIEW Drive, Winter Haven

5197 PEBBLE BEACH Boulevard, Winter Haven, FL, 33884 — assumable FHA mortgage at 2.75%
FHA
Active
54
$330,000$48,860 equity gap
Rate
2.75%
7.18%today
Payment
$1,520/mo
$2,521today
  • 2beds
  • 2baths
  • 1,677sqft

5197 PEBBLE BEACH Boulevard, Winter Haven

139 PERSHING Street, Bartow, FL, 33830 — assumable VA mortgage at 2.80%
VA
Active
48
$289,999$48,264 equity gap
Rate
2.80%
7.18%today
Payment
$1,124/mo
$1,853today
  • 3beds
  • 2baths
  • 2,230sqft

139 PERSHING Street, Bartow

1009 RONLIN Street, Haines City, FL, 33844 — assumable FHA mortgage at 2.84%
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

136 MADERA Drive, Winter Haven, FL, 33880 — assumable VA mortgage at 2.89%
VA
Active
19
$165,000$33,554 equity gap
Rate
2.89%
7.18%today
Payment
$632/mo
$1,030today
  • 3beds
  • 2baths
  • 1,448sqft

136 MADERA Drive, Winter Haven

596 BOARDWALK Avenue, Haines City, FL, 33844 — assumable FHA mortgage at 2.94%
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

483 LAKE SUZANNE Drive, Lake Wales, FL, 33859 — assumable VA mortgage at 2.98%
VA
Active
44
$248,000$44,079 equity gap
Rate
2.98%
7.18%today
Payment
$958/mo
$1,544today
  • 3beds
  • 2baths
  • 1,510sqft

483 LAKE SUZANNE Drive, Lake Wales

121 CRESTVIEW Lane, Dundee, FL, 33838 — assumable FHA mortgage at 2.98%
FHA
Active
10
$345,000$55,215 equity gap
Rate
2.98%
7.18%today
Payment
$1,359/mo
$2,189today
  • 4beds
  • 3baths
  • 2,066sqft

121 CRESTVIEW Lane, Dundee

961 DREXEL Avenue, Winter Haven, FL, 33881 — assumable FHA mortgage at 3.06%
FHA
Active
57
$260,000$40,119 equity gap
Rate
3.06%
7.18%today
Payment
$1,057/mo
$1,685today
  • 3beds
  • 2baths
  • 1,856sqft

961 DREXEL Avenue, Winter Haven

729 LAKE Avenue, Eagle Lake, FL, 33839 — assumable FHA mortgage at 3.45%
FHA
Active
35
$264,000$18,984 equity gap
Rate
3.45%
7.18%today
Payment
$1,205/mo
$1,829today
  • 5beds
  • 3baths
  • 1,632sqft

729 LAKE Avenue, Eagle Lake

851 VIENNA Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 3.76%
VA
Active
45
$279,900Potential short sale
Rate
3.76%
7.18%today
Payment
$1,455/mo
$2,125today
  • 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%
7.18%today
Payment
$1,190/mo
$1,998today
  • 3beds
  • 2baths
  • 2,066sqft

1475 GRAND CAYMAN Circle, Winter Haven

297 MEADOWBROOK Boulevard, Winter Haven, FL, 33881 — assumable FHA mortgage at 2.83%
FHA
Active
38
$230,000$52,768 equity gap
Rate
2.83%
7.18%today
Payment
$842/mo
$1,384today
  • 3beds
  • 2baths
  • 1,426sqft

297 MEADOWBROOK Boulevard, Winter Haven

1741 CANAAN LOOP, Dundee, FL, 33838 — assumable FHA mortgage at 2.83%
FHA
Active
45
$250,000$57,517 equity gap
Rate
2.83%
7.18%today
Payment
$915/mo
$1,503today
  • 3beds
  • 2baths
  • 1,563sqft

1741 CANAAN LOOP, Dundee

3541 RALEIGH Drive, Winter Haven, FL, 33884 — assumable VA mortgage at 2.90%
VA
Active
56
$345,000$91,523 equity gap
Rate
2.90%
7.18%today
Payment
$1,200/mo
$1,953today
  • 3beds
  • 3baths
  • 2,006sqft

3541 RALEIGH Drive, Winter Haven

2021 AMBER SWEET Circle, Dundee, FL, 33838 — assumable VA mortgage at 2.97%
VA
Active
39
$314,900$75,815 equity gap
Rate
2.97%
7.18%today
Payment
$1,138/mo
$1,835today
  • 5beds
  • 3baths
  • 1,975sqft

2021 AMBER SWEET Circle, Dundee

116 BENTLEY OAKS Boulevard, Auburndale, FL, 33823 — assumable FHA mortgage at 2.98%
FHA
Active
40
$374,900$98,483 equity gap
Rate
2.98%
7.18%today
Payment
$1,299/mo
$2,093today
  • 4beds
  • 2baths
  • 1,875sqft

116 BENTLEY OAKS Boulevard, Auburndale

12 SAINT KITTS Circle, Winter Haven, FL, 33884 — assumable FHA mortgage at 3.05%
FHA
Active
34
$294,000$67,590 equity gap
Rate
3.05%
7.18%today
Payment
$1,075/mo
$1,716today
  • 3beds
  • 2baths
  • 1,639sqft

12 SAINT KITTS Circle, Winter Haven

630 THELMA Street, Lake Alfred, FL, 33850 — assumable VA mortgage at 3.76%
VA
Active
33
$322,900$33,213 equity gap
Rate
3.76%
7.18%today
Payment
$1,470/mo
$2,148today
  • 3beds
  • 2baths
  • 1,689sqft

630 THELMA Street, Lake Alfred

1540 AVENUE C, Winter Haven, FL, 33881 — assumable FHA mortgage at 3.07%
FHA
Active
7
$245,000$66,880 equity gap
Rate
3.07%
7.18%today
Payment
$844/mo
$1,344today
  • 3beds
  • 2baths
  • 1,344sqft

1540 AVENUE C, Winter Haven

2206 SHIRAH Road, Auburndale, FL, 33823 — assumable FHA mortgage at 3.08%
FHA
Active
30
$149,900$38,995 equity gap
Rate
3.08%
7.18%today
Payment
$535/mo
$851today
  • 3beds
  • 2baths
  • 920sqft

2206 SHIRAH Road, Auburndale

6146 MISSION Drive, Lakeland, FL, 33812 — assumable VA mortgage at 3.08%
VA
Active
47
$325,000$97,848 equity gap
Rate
3.08%
7.18%today
Payment
$1,099/mo
$1,748today
  • 3beds
  • 2baths
  • 1,960sqft

6146 MISSION Drive, Lakeland

3097 CASSIDY Lane, Haines City, FL, 33844 — assumable FHA mortgage at 3.22%
FHA
Active
27
$433,000$117,200 equity gap
Rate
3.22%
7.18%today
Payment
$1,518/mo
$2,371today
  • 4beds
  • 3baths
  • 2,631sqft

3097 CASSIDY Lane, Haines City

331 BAY Street, Auburndale, FL, 33823 — assumable VA mortgage at 3.25%
VA
Active
72
$665,999$140,255 equity gap
Rate
3.25%
7.18%today
Payment
$2,524/mo
$3,929today
  • 3beds
  • 3baths
  • 3,488sqft

331 BAY Street, Auburndale

209 SOFIA Lane, Lake Alfred, FL, 33850 — assumable FHA mortgage at 3.76%
FHA
Active
53
$349,900$41,594 equity gap
Rate
3.76%
7.18%today
Payment
$1,565/mo
$2,286today
  • 5beds
  • 3baths
  • 2,674sqft

209 SOFIA Lane, Lake Alfred

1409 MATTIE POINTE Lane, Auburndale, FL, 33823 — assumable FHA mortgage at 3.76%
FHA
Active
40
$325,000$53,570 equity gap
Rate
3.76%
7.18%today
Payment
$1,378/mo
$2,013today
  • 4beds
  • 2baths
  • 1,707sqft

1409 MATTIE POINTE Lane, Auburndale

441 MACARTHUR Street, Bartow, FL, 33830 — assumable VA mortgage at 4.42%
VA
Active
43
$296,900$10,899 equity gap
Rate
4.42%
7.18%today
Payment
$1,557/mo
$2,101today
  • 4beds
  • 2baths
  • 1,841sqft

441 MACARTHUR Street, Bartow

988 CAMBRIDGE Drive, Winter Haven, FL, 33881 — assumable FHA mortgage at 2.60%
FHA
Active
27
$299,900$97,986 equity gap
Rate
2.60%
7.18%today
Payment
$932/mo
$1,576today
  • 4beds
  • 2baths
  • 1,867sqft

988 CAMBRIDGE Drive, Winter Haven

4081 DUNMORE Drive, Lake Wales, FL, 33859 — assumable VA mortgage at 2.65%
VA
Active
34
$390,500$135,120 equity gap
Rate
2.65%
7.18%today
Payment
$1,185/mo
$1,992today
  • 3beds
  • 2baths
  • 2,027sqft

4081 DUNMORE Drive, Lake Wales

1020 CAMBRIDGE Drive, Winter Haven, FL, 33881 — assumable FHA mortgage at 2.70%
FHA
Active
27
$279,900$91,217 equity gap
Rate
2.70%
7.18%today
Payment
$880/mo
$1,470today
  • 4beds
  • 2baths
  • 1,500sqft

1020 CAMBRIDGE Drive, Winter Haven

811 22ND Street, Winter Haven, FL, 33881 — assumable FHA mortgage at 2.70%
FHA
Active
39
$264,990$104,944 equity gap
Rate
2.70%
7.18%today
Payment
$745/mo
$1,244today
  • 3beds
  • 3baths
  • 1,408sqft

811 22ND Street, Winter Haven

1892 AMBER SWEET Circle, Dundee, FL, 33838 — assumable FHA mortgage at 2.70%
FHA
Active
31
$319,500$128,250 equity gap
Rate
2.70%
7.18%today
Payment
$892/mo
$1,490today
  • 5beds
  • 3baths
  • 1,965sqft

1892 AMBER SWEET Circle, Dundee

3018 ROYAL TERN Drive, Winter Haven, FL, 33881 — assumable FHA mortgage at 2.80%
FHA
Active
22
$269,900$82,564 equity gap
Rate
2.80%
7.18%today
Payment
$888/mo
$1,463today
  • 3beds
  • 2baths
  • 1,690sqft

3018 ROYAL TERN 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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.18%
Lowest existing payment
$345/mo
Median cash to assume
$53,364
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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