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Assumable homes for sale in Gainesville, FL

14 homesVA & FHA loansrates from 2.42% vs 7.18% today

Gainesville assumption guide
1334 1ST Avenue, Gainesville, FL, 32641 — assumable VA mortgage at 2.42%
VA
Active
18
$189,000$29,600 equity gap
Rate
2.42%
7.18%today
Payment
$1,052/mo
$1,572today
  • 3beds
  • 1baths
  • 1,328sqft

1334 1ST Avenue, Gainesville

1127 14TH Street, Gainesville, FL, 32641 — assumable VA mortgage at 3.69%
VA
Active
5
$219,000$40,587 equity gap
Rate
3.69%
7.18%today
Payment
$901/mo
$1,327today
  • 3beds
  • 2baths
  • 1,420sqft

1127 14TH Street, Gainesville

1528 12TH Place, Gainesville, FL, 32641 — assumable FHA mortgage at 3.89%
FHA
Active
18
$169,500$33,042 equity gap
Rate
3.89%
7.18%today
Payment
$702/mo
$1,010today
  • 3beds
  • 1baths
  • 960sqft

1528 12TH Place, Gainesville

432 15TH Street, Gainesville, FL, 32641 — assumable VA mortgage at 2.68%
VA
Active
17
$139,900$51,286 equity gap
Rate
2.68%
7.18%today
Payment
$413/mo
$692today
  • 2beds
  • 1baths
  • 968sqft

432 15TH Street, Gainesville

109 16TH Avenue #Q101, Gainesville, FL, 32601 — assumable VA mortgage at 3.00%
VA
Active
15
$97,500$97,500 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 874sqft

109 16TH Avenue #Q101, Gainesville

2776 21ST Road, Gainesville, FL, 32641 — assumable FHA mortgage at 5.23%
FHA
Active
35
$233,000$7,874 equity gap
Rate
5.23%
7.18%today
Payment
$1,325/mo
$1,630today
  • 3beds
  • 2baths
  • 1,177sqft

2776 21ST Road, Gainesville

1753 20TH Place, Gainesville, FL, 32609 — assumable FHA mortgage at 4.98%
FHA
Active
39
$195,000$34,913 equity gap
Rate
4.98%
7.18%today
Payment
$920/mo
$1,164today
  • 2beds
  • 1baths
  • 915sqft

1753 20TH Place, Gainesville

1015 10TH Terrace, Gainesville, FL, 32601 — assumable FHA mortgage at 5.22%
FHA
Active
27
$217,500$46,752 equity gap
Rate
5.22%
7.18%today
Payment
$1,000/mo
$1,231today
  • 3beds
  • 1baths
  • 1,324sqft

1015 10TH Terrace, Gainesville

1940 UNIVERSITY Avenue, Gainesville, FL, 32641 — assumable VA mortgage at 6.02%
VA
Active
28
$239,900$41,177 equity gap
Rate
6.02%
7.18%today
Payment
$1,260/mo
$1,421today
  • 3beds
  • 2baths
  • 1,192sqft

1940 UNIVERSITY Avenue, Gainesville

1510 14TH Avenue, Gainesville, FL, 32641 — assumable FHA mortgage at 6.99%
FHA
Active
26
$243,000$44,136 equity gap
Rate
6.99%
7.18%today
Payment
$1,354/mo
$1,380today
  • 4beds
  • 2baths
  • 1,639sqft

1510 14TH Avenue, Gainesville

1118 19TH Street, Gainesville, FL, 32641 — assumable VA mortgage at 5.66%
VA
Active
28
$209,900$92,129 equity gap
Rate
5.66%
7.18%today
Payment
$721/mo
$845today
  • 3beds
  • 1baths
  • 1,169sqft

1118 19TH Street, Gainesville

2220 46TH Terrace, Gainesville, FL, 32641 — assumable VA mortgage at 6.50%
VA
Active
16
$162,000$162,000 equity gap
Rate
6.50%
7.18%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 742sqft

2220 46TH Terrace, Gainesville

1504 12TH PLACE, Gainesville, FL, 32641 — assumable FHA mortgage at 6.54%
FHA
Active
10
$250,000$122,744 equity gap
Rate
6.54%
7.18%today
Payment
$841/mo
$898today
  • 3beds
  • 2baths
  • —sqft

1504 12TH PLACE, Gainesville

83 16TH Avenue #E303, Gainesville, FL, 32601 — assumable FHA mortgage
FHA
Active
23
$119,000$119,000 equity gap
Rate
—%
7.18%today
Payment
—/mo
  • 2beds
  • 2baths
  • 874sqft

83 16TH Avenue #E303, Gainesville

Assuming a mortgage in Gainesville

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.42%
Lowest existing payment
$413/mo
Median cash to assume
$45,444
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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