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Assumable homes for sale in Lutz, FL

200 homesFHA & VA loansrates from 2.28% vs 7.18% today

Lutz assumption guide
28809 WINDOVER ST, Wesley Chapel, FL, 33545 — assumable FHA mortgage at 3.10%
FHATop pick
Active
26
$360,000$17,695 equity gap
Rate
3.10%
7.18%today
Payment
$1,627/mo
$2,581today
  • 4beds
  • 2baths
  • 2,105sqft

28809 WINDOVER ST, Wesley Chapel

218 PARK RIDGE Avenue, Temple Terrace, FL, 33617 — assumable VA mortgage at 2.88%
VA
Active
19
$400,000$63,911 equity gap
Rate
2.88%
7.18%today
Payment
$1,569/mo
$2,561today
  • 4beds
  • 2baths
  • 1,968sqft

218 PARK RIDGE Avenue, Temple Terrace

29913 SOUTHWELL Lane, Wesley Chapel, FL, 33543 — assumable FHA mortgage at 3.05%
FHA
Active
19
$339,000$68,261 equity gap
Rate
3.05%
7.18%today
Payment
$1,285/mo
$2,052today
  • 3beds
  • 3baths
  • 1,865sqft

29913 SOUTHWELL Lane, Wesley Chapel

8331 GOLDEN PRAIRIE Drive, Tampa, FL, 33647 — assumable VA mortgage at 3.21%
VA
Active
56
$729,000$139,925 equity gap
Rate
3.21%
7.18%today
Payment
$2,822/mo
$4,414today
  • 4beds
  • 4baths
  • 3,264sqft

8331 GOLDEN PRAIRIE Drive, Tampa

11012 ASHBOURNE Circle, Tampa, FL, 33624 — assumable VA mortgage at 3.76%
VA
Active
11
$411,000Potential short sale
Rate
3.76%
7.18%today
Payment
$2,068/mo
$3,022today
  • 3beds
  • 2baths
  • 1,482sqft

11012 ASHBOURNE Circle, Tampa

2209 FLETCHERS POINT Circle, Tampa, FL, 33613 — assumable FHA mortgage at 2.81%
FHA
Active
39
$190,000$52,425 equity gap
Rate
2.81%
7.18%today
Payment
$646/mo
$1,064today
  • 2beds
  • 2baths
  • 896sqft

2209 FLETCHERS POINT Circle, Tampa

25521 BRUFORD Boulevard, Land O Lakes, FL, 34639 — assumable FHA mortgage at 2.88%
FHA
Active
63
$435,000$116,698 equity gap
Rate
2.88%
7.18%today
Payment
$1,490/mo
$2,431today
  • 6beds
  • 3baths
  • 2,998sqft

25521 BRUFORD Boulevard, Land O Lakes

16353 SILENT SANDS Lane, Odessa, FL, 33556 — assumable FHA mortgage at 3.04%
FHA
Active
51
$384,900$108,727 equity gap
Rate
3.04%
7.18%today
Payment
$1,327/mo
$2,122today
  • 4beds
  • 3baths
  • 2,007sqft

16353 SILENT SANDS Lane, Odessa

2188 CERULEAN SKY Drive, Lutz, FL, 33558 — assumable FHA mortgage at 4.25%
FHA
Active
35
$330,000$15,630 equity gap
Rate
4.25%
7.18%today
Payment
$1,666/mo
$2,295today
  • 2beds
  • 3baths
  • 1,541sqft

2188 CERULEAN SKY Drive, Lutz

3102 SUNCOAST PLAINS Drive, Odessa, FL, 33556 — assumable VA mortgage at 2.66%
VA
Active
36
$385,000$141,729 equity gap
Rate
2.66%
7.18%today
Payment
$1,130/mo
$1,897today
  • 3beds
  • 2baths
  • 1,516sqft

3102 SUNCOAST PLAINS Drive, Odessa

10234 BLOOMFIELD HILLS Drive, Seffner, FL, 33584 — assumable VA mortgage at 2.71%
VA
Active
47
$499,999$165,955 equity gap
Rate
2.71%
7.18%today
Payment
$1,564/mo
$2,608today
  • 4beds
  • 3baths
  • 2,472sqft

10234 BLOOMFIELD HILLS Drive, Seffner

14929 PROMENADE Parkway, Odessa, FL, 33556 — assumable FHA mortgage at 2.80%
FHA
Active
34
$315,000$118,779 equity gap
Rate
2.80%
7.18%today
Payment
$930/mo
$1,533today
  • 3beds
  • 3baths
  • 1,582sqft

14929 PROMENADE Parkway, Odessa

12416 QUEENSLAND Lane, Tampa, FL, 33625 — assumable FHA mortgage at 2.80%
FHA
Active
45
$464,800$160,390 equity gap
Rate
2.80%
7.18%today
Payment
$1,412/mo
$2,328today
  • 4beds
  • 2baths
  • 1,463sqft

12416 QUEENSLAND Lane, Tampa

5018 LIBERTY Street, Tampa, FL, 33617 — assumable VA mortgage at 2.95%
VA
Active
51
$372,500$127,229 equity gap
Rate
2.95%
7.18%today
Payment
$1,162/mo
$1,879today
  • 3beds
  • 2baths
  • 1,328sqft

5018 LIBERTY Street, Tampa

11092 WINDSOR PLACE Circle, Tampa, FL, 33626 — assumable FHA mortgage at 2.98%
FHA
Active
23
$329,000$122,849 equity gap
Rate
2.98%
7.18%today
Payment
$969/mo
$1,561today
  • 2beds
  • 2baths
  • 1,272sqft

11092 WINDSOR PLACE Circle, Tampa

3036 GIANNA Way, Land O Lakes, FL, 34638 — assumable FHA mortgage at 2.99%
FHA
Active
39
$424,999$169,462 equity gap
Rate
2.99%
7.18%today
Payment
$1,244/mo
$2,002today
  • 4beds
  • 3baths
  • 2,141sqft

3036 GIANNA Way, Land O Lakes

14309 PONDHAWK Lane, Tampa, FL, 33625 — assumable VA mortgage at 4.00%
VA
Active
43
$380,000$41,379 equity gap
Rate
4.00%
7.18%today
Payment
$1,760/mo
$2,498today
  • 3beds
  • 3baths
  • 1,716sqft

14309 PONDHAWK Lane, Tampa

18623 NOBLE CASPIAN Drive, Lutz, FL, 33558 — assumable VA mortgage at 3.02%
VA
Active
51
$360,000$137,904 equity gap
Rate
3.02%
7.18%today
Payment
$1,068/mo
$1,711today
  • 3beds
  • 3baths
  • 1,632sqft

18623 NOBLE CASPIAN Drive, Lutz

6310 TURTLE CREEK Boulevard, Tampa, FL, 33625 — assumable VA mortgage at 3.02%
VA
Active
40
$499,900$182,152 equity gap
Rate
3.02%
7.18%today
Payment
$1,552/mo
$2,488today
  • 3beds
  • 2baths
  • 1,865sqft

6310 TURTLE CREEK Boulevard, Tampa

19724 PRINCE BENJAMIN Drive, Lutz, FL, 33549 — assumable VA mortgage at 3.05%
VA
Active
44
$875,000$318,717 equity gap
Rate
3.05%
7.18%today
Payment
$2,635/mo
$4,207today
  • 4beds
  • 4baths
  • 3,494sqft

19724 PRINCE BENJAMIN Drive, Lutz

1107 ISOBEL RESERVE Lane, Tampa, FL, 33613 — assumable VA mortgage at 3.05%
VA
Active
86
$925,000$366,362 equity gap
Rate
3.05%
7.18%today
Payment
$2,652/mo
$4,234today
  • 4beds
  • 4baths
  • 3,423sqft

1107 ISOBEL RESERVE Lane, Tampa

22335 SOUTHSHORE Drive, Land O Lakes, FL, 34639 — assumable VA mortgage at 3.55%
VA
Active
37
$644,990$181,502 equity gap
Rate
3.55%
7.18%today
Payment
$2,304/mo
$3,455today
  • 6beds
  • 3baths
  • 3,213sqft

22335 SOUTHSHORE Drive, Land O Lakes

10001 FLORENCE Avenue, Tampa, FL, 33612 — assumable FHA mortgage at 1.00%
FHA
Active
33
$370,000$329,090 equity gap
Rate
1.00%
7.18%today
Payment
$688/mo
$919today
  • 3beds
  • 2baths
  • 1,235sqft

10001 FLORENCE Avenue, Tampa

27640 BREAKERS Drive, Wesley Chapel, FL, 33544 — assumable VA mortgage at 2.28%
VA
Active
82
$459,900$369,082 equity gap
Rate
2.28%
7.18%today
Payment
$853/mo
$1,182today
  • 4beds
  • 3baths
  • 2,272sqft

27640 BREAKERS Drive, Wesley Chapel

5100 BURCHETTE Road #3802, Tampa, FL, 33647 — assumable VA mortgage at 2.62%
VA
Active
61
$229,000$155,257 equity gap
Rate
2.62%
7.18%today
Payment
$780/mo
$1,054today
  • 2beds
  • 3baths
  • 1,185sqft

5100 BURCHETTE Road #3802, Tampa

6109 130TH Avenue, Temple Terrace, FL, 33617 — assumable FHA mortgage at 2.67%
FHA
Active
30
$484,900$235,498 equity gap
Rate
2.67%
7.18%today
Payment
$1,162/mo
$1,949today
  • 4beds
  • 2baths
  • 2,004sqft

6109 130TH Avenue, Temple Terrace

9713 LITTLE POND Way, Tampa, FL, 33647 — assumable FHA mortgage at 2.70%
FHA
Active
54
$414,900$398,410 equity gap
Rate
2.70%
7.18%today
Payment
$79/mo
$131today
  • 3beds
  • 3baths
  • 1,496sqft

9713 LITTLE POND Way, Tampa

2595 FENCEPOST Drive, Odessa, FL, 33556 — assumable FHA mortgage at 2.71%
FHA
Active
59
$359,900$144,370 equity gap
Rate
2.71%
7.18%today
Payment
$1,009/mo
$1,683today
  • 3beds
  • 3baths
  • 1,441sqft

2595 FENCEPOST Drive, Odessa

3720 GERRADS CROSS Court, Land O Lakes, FL, 34638 — assumable VA mortgage at 2.73%
VA
Active
33
$409,900$177,778 equity gap
Rate
2.73%
7.18%today
Payment
$1,081/mo
$1,799today
  • 3beds
  • 2baths
  • 1,842sqft

3720 GERRADS CROSS Court, Land O Lakes

3907 LOCKRIDGE Drive, Land O Lakes, FL, 34638 — assumable FHA mortgage at 2.77%
FHA
Active
47
$419,000$256,484 equity gap
Rate
2.77%
7.18%today
Payment
$750/mo
$1,241today
  • 4beds
  • 2baths
  • 2,060sqft

3907 LOCKRIDGE Drive, Land O Lakes

19425 MELODY FAIR Place, Lutz, FL, 33558 — assumable VA mortgage at 2.80%
VA
Active
45
$459,000$188,982 equity gap
Rate
2.80%
7.18%today
Payment
$1,250/mo
$2,060today
  • 3beds
  • 2baths
  • 1,892sqft

19425 MELODY FAIR Place, Lutz

2609 99TH Avenue, Tampa, FL, 33612 — assumable FHA mortgage at 2.81%
FHA
Active
29
$299,800$142,233 equity gap
Rate
2.81%
7.18%today
Payment
$747/mo
$1,231today
  • 3beds
  • 1baths
  • 1,206sqft

2609 99TH Avenue, Tampa

8310 SUMMER GROVE Road, Tampa, FL, 33647 — assumable VA mortgage at 2.83%
VA
Active
91
$879,000$451,924 equity gap
Rate
2.83%
7.18%today
Payment
$2,030/mo
$3,334today
  • 4beds
  • 4baths
  • 3,520sqft

8310 SUMMER GROVE Road, Tampa

12009 WATERSIDE Court, Tampa, FL, 33612 — assumable FHA mortgage at 2.90%
FHA
Active
19
$499,000$208,982 equity gap
Rate
2.90%
7.18%today
Payment
$1,373/mo
$2,234today
  • 4beds
  • 3baths
  • 2,210sqft

12009 WATERSIDE Court, Tampa

13001 ARBORVIEW Place, Tampa, FL, 33618 — assumable FHA mortgage at 2.90%
FHA
Active
50
$289,900$181,458 equity gap
Rate
2.90%
7.18%today
Payment
$598/mo
$927today
  • 3beds
  • 3baths
  • 1,761sqft

13001 ARBORVIEW Place, Tampa

20435 NEEDLETREE Drive, Tampa, FL, 33647 — assumable VA mortgage at 2.96%
VA
Active
20
$239,999$113,132 equity gap
Rate
2.96%
7.18%today
Payment
$614/mo
$992today
  • 2beds
  • 3baths
  • 1,192sqft

20435 NEEDLETREE Drive, Tampa

Assuming a mortgage in Lutz

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
2.28%
Lowest existing payment
$514/mo
Median cash to assume
$151,326
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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