2.77% FHA
$215,000
$643/mo
1009 20TH Street
Gainesville, FL
4 bd2 ba1,314 sqft
Waldo, Florida
Keep the rate.
Buy the home in Waldo.
1 assumable home for sale in Waldo, with locked rates from 6.65%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.65%
vs 7.2% market
$106/mo saved
Median locked rate
6.65%
Across 1 assumable listing
Typical monthly savings
$106
On a $348,000 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 Waldo
Homes with a rate worth keeping
2.68% VA
$139,900
$413/mo
432 15TH Street
Gainesville, FL
2 bd1 ba968 sqft
3.08% FHA
$340,000
$790/mo
665 HERON Street
Keystone Heights, FL
5 bd3 ba2,041 sqft
5.23% FHA
$233,000
$1,325/mo
2776 21ST Road
Gainesville, FL
3 bd2 ba1,177 sqft
4.98% FHA
$195,000
$920/mo
1753 20TH Place
Gainesville, FL
2 bd1 ba915 sqft
4.14% FHA
$169,000
$510/mo
4808 3RD Place
Gainesville, FL
3 bd1 ba936 sqft
Inventory snapshot
What’s assumable in Waldo right now
Live counts from the MLS feeds we index for Florida. Updated August 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.65%
- Median rate
- 6.65%
- Median list price
- $348,000
- Median cash to assume
- $169,044
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA1 homemedian 6.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Waldo 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 Waldo.
A 7.2% new loan against an assumable one at 6.65%, same balance, 30 years.
You keep every month
$103/mo
Over a year$1,237
Monthly payment, side by side
7.2% vs 6.65%
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 Waldo
Numbers below come from current Waldo inventory and update as listings change.
- How many assumable homes are for sale in Waldo?
- As of August 2026, UMe tracks 1 active assumable listing in Waldo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Waldo?
- Current Waldo inventory breaks down as FHA (1, median 6.65%). 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 Waldo right now?
- The lowest rate on an active Waldo assumable listing is 6.65%, and the median across all 1 listing is 6.65%. 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 Waldo?
- Across current Waldo listings, the median principal-and-interest payment on the assumable loan is $1,165 per month versus $1,271 for the same balance at today's rates, a difference of about $106 every month, or $1,276 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 Waldo?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Waldo that gap is currently a median of $169,044 on a median list price of $348,000. 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 Waldo ZIP codes have the most assumable homes?
- The Waldo ZIP codes with the most active assumable listings are 32694 (1). 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 Waldo?
- 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 Waldo.
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.
