3.10% FHA
$300,000
$1,258/mo
11774 60TH Drive
Alachua, FL
3 bd2 ba1,698 sqft
Gainesville, Florida
Keep the rate.
Buy the home in Gainesville.
75 assumable homes for sale in Gainesville, with locked rates from 2.31%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.98%
vs 7.2% market
$201/mo saved
Median locked rate
4.98%
Across 75 assumable listings
Typical monthly savings
$201
On a $254,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Gainesville
Homes with a rate worth keeping
3.05% VA
$317,000
$1,154/mo
3929 20TH Terrace
Gainesville, FL
4 bd2 ba1,660 sqft
3.07% FHA
$254,900
$898/mo
2541 52ND Place
Gainesville, FL
3 bd2 ba1,181 sqft
3.17% VA
$550,000
$2,009/mo
7585 79TH Drive
Gainesville, FL
5 bd4 ba3,042 sqft
2.77% FHA
$215,000
$643/mo
1009 20TH Street
Gainesville, FL
4 bd2 ba1,314 sqft
3.06% VA
$244,900
$807/mo
4323 12TH Terrace
Gainesville, FL
4 bd2 ba1,252 sqft
Inventory snapshot
What’s assumable in Gainesville right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 75
- Certified / verified
- 0
- Lowest rate
- 2.31%
- Median rate
- 4.98%
- Median list price
- $254,900
- Median cash to assume
- $119,000
Listings by locked rate
- Under 4%23 homes
- 4% – 5%7 homes
- 5% – 6%6 homes
- 6% and up23 homes
Listings by loan type
- VA51 homesmedian 4.35%
- FHA24 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Gainesville ZIP code
- 32608
25 assumable homes · median 5.42%
median $265,000
- 32605
12 assumable homes · median 3.91%
median $318,450
- 32607
10 assumable homes · median 5.78%
median $222,500
- 32601
7 assumable homes · median 3.00%
median $119,000
- 32641
7 assumable homes · median 5.23%
median $215,000
- 32606
5 assumable homes · median 6.50%
median $369,900
- 32653
5 assumable homes · median 6.23%
median $375,000
- 32609
4 assumable homes · median 4.01%
median $239,950
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Winter Haven74
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Gainesville.
A 7.2% new loan against an assumable one at 4.98%, same balance, 30 years.
You keep every month
$292/mo
Over a year$3,505
Monthly payment, side by side
7.2% vs 4.98%
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 Gainesville
Numbers below come from current Gainesville inventory and update as listings change.
- How many assumable homes are for sale in Gainesville?
- As of September 2026, UMe tracks 75 active assumable listings in Gainesville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Gainesville?
- Current Gainesville inventory breaks down as VA (51, median 4.35%) and FHA (24, median 5.23%). 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 Gainesville right now?
- The lowest rate on an active Gainesville assumable listing is 2.31%, and the median across all 75 listings is 4.98%. 23 listings are under 4% and 30 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Gainesville?
- Across current Gainesville listings, the median principal-and-interest payment on the assumable loan is $1,154 per month versus $1,356 for the same balance at today's rates, a difference of about $201 every month, or $2,418 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 Gainesville?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Gainesville that gap is currently a median of $119,000 on a median list price of $254,900. 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 Gainesville ZIP codes have the most assumable homes?
- The Gainesville ZIP codes with the most active assumable listings are 32608 (25), 32605 (12), 32607 (10), 32601 (7), and 32641 (7). 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 Gainesville?
- 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 Gainesville.
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.
