FHA
Active
27$219,900$149,856 equity gap
- Rate
- 3.46%
7.18%today- Payment
- $404/mo
$612today
- 3beds
- 1baths
- 960sqft
Lawtey, Florida
Assumable homes for salein Lawtey, Florida.
1 home in Lawtey carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.46%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lawtey assumable market
by the numbers.
1active assumable listing
3.46%lowest locked rate
$220kmedian list price
$229saved per month vs. 7.2%
About the market
Assumable mortgagesin Lawtey, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Lawtey. Updated November 2026.
How assumptions work for buyersLawtey, Florida has 1 home for sale with an assumable mortgage as of November 2026: 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Lawtey assumable listings start at 3.46% with a median of 3.46%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Lawtey lists for $219,900, with a median of $150,058 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $404 a month versus $633 for the same balance at today's rate, roughly $229 kept every month and $2,751 a year. The most active Lawtey ZIP codes are 32058 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Lawtey assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lawtey
View all 1 on the map Homes on the marketin Lawtey.
FHA
Active
40$237,900$39,067 equity gap
- Rate
- 7.22%
7.18%today- Payment
- $1,384/mo
$1,379today
- 2beds
- 1baths
- 1,125sqft
620 GLENDALE Street, Starke
FHA
Active
36$175,000$97,133 equity gap
- Rate
- 5.68%
7.18%today- Payment
- $770/mo
$900today
- 3beds
- 2baths
- 1,593sqft
9798 STATE ROAD 100, Starke
VA
Active
29$230,000Potential short sale
- Rate
- 6.74%
7.18%today- Payment
- $1,795/mo
$1,876today
- 3beds
- 2baths
- 1,572sqft
408 ORANGE Street, Starke
VA
Active
20$389,900$240,928 equity gap
- Rate
- 6.74%
7.18%today- Payment
- $977/mo
$1,022today
- 3beds
- 2baths
- 1,807sqft
853 PARKER Street, Starke
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Lawtey.
Live counts from the MLS feeds we index for Florida. Updated November 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.46%
- Median rate
- 3.46%
- Median list price
- $219,900
- Median cash to assume
- $150,058
Lawtey listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Lawtey listings by loan type
- FHA1 homemedian 3.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lawtey ZIP code.
Each ZIP opens the Lawtey map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lawtey numbers
What an assumable ratedoes to a Lawtey payment.
The sliders start at the median Lawtey assumable listing: $219,900 list price and a 3.46% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$150,000
68% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Lawtey
$340/mo
New loan at 7.20%$475
Assumed at 3.45%
$340
Every month$135
Over five years$8,101
Interest you never pay$64,93426-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Lawtey listing on UMe shows the actual balance, rate, and payment.
How it works in Lawtey
How to assumea mortgage in Lawtey.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Lawtey home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lawtey map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $150,058 in Lawtey today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Lawtey payment written in a different decade.
Lawtey questions
Assuming a mortgagein Lawtey.
The numbers below come from current Lawtey inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lawtey?
As of November 2026, UMe tracks 1 active assumable listing in Lawtey. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lawtey?
Current Lawtey inventory breaks down as FHA (1, median 3.46%). 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 Lawtey?
The lowest rate on an active Lawtey assumable listing is 3.46%, and the median across all 1 listing is 3.46%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Lawtey?
Across current Lawtey listings, the median principal-and-interest payment on the assumable loan is $404 per month versus $633 for the same balance at today's rates, a difference of about $229 every month, or $2,751 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 Lawtey?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lawtey that gap is currently a median of $150,058 on a median list price of $219,900. 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 Lawtey ZIP codes have the most assumable homes?
The Lawtey ZIP codes with the most active assumable listings are 32058 (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 Lawtey?
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.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Lawtey.The rate is already on the house.
Every listing on the Lawtey map has a rate you can take over. Start with the ones in Lawtey, get pre-qualified in minutes, and let UMe carry the assumption to closing.