2.75% FHA
$335,000
$1,520/mo
5197 PEBBLE BEACH Boulevard
Winter Haven, FL
2 bd2 ba1,677 sqft
Babson Park, Florida
Keep the rate.
Buy the home in Babson Park.
2 assumable homes for sale in Babson Park, with locked rates from 4.47%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.33%
vs 7.2% market
$238/mo saved
Median locked rate
5.33%
Across 2 assumable listings
Typical monthly savings
$238
On a $312,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Babson Park
Homes with a rate worth keeping
3.08% VA
$369,500
$1,456/mo
4496 STRATHMORE Drive
Lake Wales, FL
3 bd2 ba2,312 sqft
2.97% FHA
$269,000
$940/mo
153 BROWNING CIR
Winter Haven, FL
3 bd2 ba1,144 sqft
2.87% VA
$599,900
$1,679/mo
4530 BROOKSHIRE Place
Lake Wales, FL
5 bd4 ba3,424 sqft
4.00% FHA
$250,900
$1,148/mo
124 PIERCE Street
Lake Wales, FL
3 bd2 ba1,380 sqft
3.06% FHA
$349,900
$1,080/mo
802 MARCIA Loop
Winter Haven, FL
3 bd2 ba1,539 sqft
Inventory snapshot
What’s assumable in Babson Park right now
Live counts from the MLS feeds we index for Florida. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 4.47%
- Median rate
- 5.33%
- Median list price
- $312,500
- Median cash to assume
- $142,592
Listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA2 homesmedian 5.33%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Babson Park ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven73
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Babson Park.
A 7.2% new loan against an assumable one at 5.33%, same balance, 30 years.
You keep every month
$306/mo
Over a year$3,678
Monthly payment, side by side
7.2% vs 5.33%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Babson Park
Numbers below come from current Babson Park inventory and update as listings change.
- How many assumable homes are for sale in Babson Park?
- As of August 2026, UMe tracks 2 active assumable listings in Babson Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Babson Park?
- Current Babson Park inventory breaks down as FHA (2, median 5.33%). 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 Babson Park right now?
- The lowest rate on an active Babson Park assumable listing is 4.47%, and the median across all 2 listings is 5.33%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Babson Park?
- Across current Babson Park listings, the median principal-and-interest payment on the assumable loan is $1,043 per month versus $1,281 for the same balance at today's rates, a difference of about $238 every month, or $2,853 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 Babson Park?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Babson Park that gap is currently a median of $142,592 on a median list price of $312,500. 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 Babson Park ZIP codes have the most assumable homes?
- The Babson Park ZIP codes with the most active assumable listings are 33827 (2). 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 Babson Park?
- 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.
Ready when you are
Stop overpaying for Babson Park.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
