2.90% FHA
$365,000
$1,349/mo
2925 BANYAN HILL Lane
Land O Lakes, FL
4 bd2 ba1,819 sqft
Land O'Lakes, Florida
Keep the rate.
Buy the home in Land O'Lakes.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Land O'Lakes.
Avg. assumable rate
2.75%
vs 7.2% market
$981/mo saved
Average locked rate
2.75%
Across 6 assumable listings
Typical monthly savings
$981
On a $452,983 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Land O'Lakes
Homes with a rate worth keeping
3.21% VA
$749,900
$2,822/mo
8331 GOLDEN PRAIRIE Drive
Tampa, FL
4 bd4 ba3,264 sqft
2.18% VA
$400,000
$1,120/mo
6706 ROCKY PARK Street
Tampa, FL
3 bd3 ba1,852 sqft
2.68% FHA
$468,000
$1,380/mo
14663 PROMENADE Parkway
Odessa, FL
3 bd2 ba1,880 sqft
2.71% VA
$520,000
$1,482/mo
19620 LONESOME PINE Drive
Land O Lakes, FL
4 bd3 ba2,628 sqft
2.81% FHA
$215,000
$646/mo
2209 FLETCHERS POINT Circle
Tampa, FL
2 bd2 ba896 sqft
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
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Land O'Lakes.
A 7.2% new loan against an assumable one at 2.75%, same balance, 30 years.
You keep every month
$985/mo
Over a year$11,817
Monthly payment, side by side
7.2% vs 2.75%
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 Land O'Lakes
Numbers below come from current Land O'Lakes inventory and update as listings change.
- Are there assumable homes for sale in Land O'Lakes?
- As of September 2026, there are no verified assumable listings in Land O'Lakes. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Land O'Lakes.
- What types of loans can be assumed in Land O'Lakes?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Florida. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Land O'Lakes?
- 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 Land O'Lakes.
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.
