3.10% FHA
$237,000
$1,080/mo
2720 CONCH HOLLOW Drive
Brandon, FL
3 bd3 ba1,718 sqft
Lithia, Florida
Keep the rate.
Buy the home in Lithia.
8 assumable homes for sale in Lithia, with locked rates from 2.89%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.10%
vs 7.2% market
$948/mo saved
Median locked rate
3.10%
Across 8 assumable listings
Typical monthly savings
$948
On a $557,000 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 Lithia
Homes with a rate worth keeping
3.21% VA
$700,000
$3,399/mo
11748 ALBATROSS Lane
Riverview, FL
5 bd5 ba5,165 sqft
2.67% VA
$271,000
$1,027/mo
1818 DANBURY Drive
Sun City Center, FL
2 bd2 ba1,852 sqft
2.87% FHA
$374,990
$1,413/mo
1909 LIDO Drive
Brandon, FL
5 bd2 ba1,920 sqft
2.90% FHA
$282,000
$1,135/mo
2426 MIDDLETON GROVE Drive
Brandon, FL
4 bd4 ba2,023 sqft
3.06% VA
$359,999
$1,521/mo
10015 LINDA Street
Gibsonton, FL
3 bd2 ba1,048 sqft
Inventory snapshot
What’s assumable in Lithia right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 8
- Certified / verified
- 0
- Lowest rate
- 2.89%
- Median rate
- 3.10%
- Median list price
- $557,000
- Median cash to assume
- $288,896
Listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- VA6 homesmedian 3.10%
- FHA2 homesmedian 3.42%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Lithia ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- 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 Lithia.
A 7.2% new loan against an assumable one at 3.10%, same balance, 30 years.
You keep every month
$1,118/mo
Over a year$13,414
Monthly payment, side by side
7.2% vs 3.10%
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 Lithia
Numbers below come from current Lithia inventory and update as listings change.
- How many assumable homes are for sale in Lithia?
- As of September 2026, UMe tracks 8 active assumable listings in Lithia. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Lithia?
- Current Lithia inventory breaks down as VA (6, median 3.10%) and FHA (2, median 3.42%). 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 Lithia right now?
- The lowest rate on an active Lithia assumable listing is 2.89%, and the median across all 8 listings is 3.10%. 6 listings are under 4% and 6 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 Lithia?
- Across current Lithia listings, the median principal-and-interest payment on the assumable loan is $1,405 per month versus $2,352 for the same balance at today's rates, a difference of about $948 every month, or $11,371 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 Lithia?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lithia that gap is currently a median of $288,896 on a median list price of $557,000. 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 Lithia ZIP codes have the most assumable homes?
- The Lithia ZIP codes with the most active assumable listings are 33547 (8). 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 Lithia?
- 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 Lithia.
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.
