4.29% FHA
$399,999
$1,366/mo
2134 R E BYRD Road
Frostproof, FL
3 bd3 ba2,150 sqft
Indian Lake Estates, Florida
Keep the rate.
Buy the home in Indian Lake Estates.
2 assumable homes for sale in Indian Lake Estates, with locked rates from 5.23%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.04%
vs 7.2% market
$306/mo saved
Median locked rate
6.04%
Across 2 assumable listings
Typical monthly savings
$306
On a $388,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in Indian Lake Estates
Homes with a rate worth keeping
4.47% FHA
$375,000
$719/mo
562 LIBBY Road
Babson Park, FL
4 bd2 ba2,400 sqft
6.72% VA
$300,000
$1,823/mo
318 EUCALYPTUS Road
Lake Wales, FL
3 bd2 ba1,413 sqft
6.82% FHA
$139,900
$887/mo
9072 LAKE POINT Boulevard
Lake Wales, FL
2 bd2 ba960 sqft
6.86% VA
$350,000
$2,066/mo
6273 TORONJA Drive
Indian Lake Estates, FL
4 bd3 ba1,934 sqft
5.23% VA
$427,000
$1,736/mo
4101 POINCIANA Drive
Indian Lake Estates, FL
3 bd2 ba1,762 sqft
Inventory snapshot
What’s assumable in Indian Lake Estates right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 5.23%
- Median rate
- 6.04%
- Median list price
- $388,500
- Median cash to assume
- $85,304
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Listings by loan type
- VA2 homesmedian 6.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Indian Lake Estates 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 Indian Lake Estates.
A 7.2% new loan against an assumable one at 6.04%, same balance, 30 years.
You keep every month
$239/mo
Over a year$2,870
Monthly payment, side by side
7.2% vs 6.04%
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 Indian Lake Estates
Numbers below come from current Indian Lake Estates inventory and update as listings change.
- How many assumable homes are for sale in Indian Lake Estates?
- As of September 2026, UMe tracks 2 active assumable listings in Indian Lake Estates. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Indian Lake Estates?
- Current Indian Lake Estates inventory breaks down as VA (2, median 6.04%). 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 Indian Lake Estates right now?
- The lowest rate on an active Indian Lake Estates assumable listing is 5.23%, and the median across all 2 listings is 6.04%. 0 listings are under 4% and 0 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 Indian Lake Estates?
- Across current Indian Lake Estates listings, the median principal-and-interest payment on the assumable loan is $1,901 per month versus $2,207 for the same balance at today's rates, a difference of about $306 every month, or $3,673 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 Indian Lake Estates?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Indian Lake Estates that gap is currently a median of $85,304 on a median list price of $388,500. 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 Indian Lake Estates ZIP codes have the most assumable homes?
- The Indian Lake Estates ZIP codes with the most active assumable listings are 33855 (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 Indian Lake Estates?
- 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 Indian Lake Estates.
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.
