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Assumable homes for sale in Alachua, FL

52 homesVA & FHA loansrates from 2.67% vs 7.40% today

Alachua assumption guide
11774 60TH Drive, Alachua, FL, 32615 — assumable FHA mortgage at 3.10%
FHATop pick
Active
26
$270,000$4,188 equity gap
Rate
3.10%
7.40%today
Payment
$1,258/mo
$2,040today
  • 3beds
  • 2baths
  • 1,698sqft

11774 60TH Drive, Alachua

3929 20TH Terrace, Gainesville, FL, 32605 — assumable VA mortgage at 3.05%
VA
Active
57
$299,900$55,201 equity gap
Rate
3.05%
7.40%today
Payment
$1,154/mo
$1,883today
  • 4beds
  • 2baths
  • 1,660sqft

3929 20TH Terrace, Gainesville

2541 52ND Place, Gainesville, FL, 32605 — assumable FHA mortgage at 3.07%
FHA
Active
25
$230,000$40,830 equity gap
Rate
3.07%
7.40%today
Payment
$898/mo
$1,462today
  • 3beds
  • 2baths
  • 1,181sqft

2541 52ND Place, Gainesville

8496 38TH Terrace, Gainesville, FL, 32653 — assumable FHA mortgage at 2.84%
FHA
Active
32
$214,000$57,228 equity gap
Rate
2.84%
7.40%today
Payment
$729/mo
$1,222today
  • 2beds
  • 2baths
  • 1,392sqft

8496 38TH Terrace, Gainesville

3803 26TH Street, Gainesville, FL, 32605 — assumable FHA mortgage at 2.93%
FHA
Active
30
$270,000$68,191 equity gap
Rate
2.93%
7.40%today
Payment
$952/mo
$1,577today
  • 3beds
  • 2baths
  • 1,292sqft

3803 26TH Street, Gainesville

12327 159TH Way, Alachua, FL, 32615 — assumable VA mortgage at 3.56%
VA
Active
53
$344,900$45,405 equity gap
Rate
3.56%
7.40%today
Payment
$1,491/mo
$2,281today
  • 4beds
  • 2baths
  • 1,618sqft

12327 159TH Way, Alachua

7753 21ST Terrace, Gainesville, FL, 32609 — assumable VA mortgage at 2.75%
VA
Active
32
$290,000$109,491 equity gap
Rate
2.75%
7.40%today
Payment
$831/mo
$1,409today
  • 3beds
  • 2baths
  • 1,433sqft

7753 21ST Terrace, Gainesville

4323 12TH Terrace, Gainesville, FL, 32609 — assumable VA mortgage at 3.06%
VA
Active
34
$244,900$76,924 equity gap
Rate
3.06%
7.40%today
Payment
$807/mo
$1,316today
  • 4beds
  • 2baths
  • 1,252sqft

4323 12TH Terrace, Gainesville

21324 217TH Drive, High Springs, FL, 32643 — assumable VA mortgage at 2.67%
VA
Active
95
$779,000$369,752 equity gap
Rate
2.67%
7.40%today
Payment
$1,898/mo
$3,253today
  • 4beds
  • 5baths
  • 4,488sqft

21324 217TH Drive, High Springs

2827 42ND Place, Gainesville, FL, 32605 — assumable VA mortgage at 2.73%
VA
Active
38
$280,000$157,936 equity gap
Rate
2.73%
7.40%today
Payment
$570/mo
$969today
  • 3beds
  • 2baths
  • 1,430sqft

2827 42ND Place, Gainesville

8345 54TH Terrace, Gainesville, FL, 32653 — assumable FHA mortgage at 2.73%
FHA
Active
50
$480,000$255,831 equity gap
Rate
2.73%
7.40%today
Payment
$1,029/mo
$1,750today
  • 4beds
  • 4baths
  • 2,512sqft

8345 54TH Terrace, Gainesville

8620 35TH Road, Gainesville, FL, 32606 — assumable FHA mortgage at 2.79%
FHA
Active
53
$349,900$152,638 equity gap
Rate
2.79%
7.40%today
Payment
$927/mo
$1,564today
  • 3beds
  • 2baths
  • 1,601sqft

8620 35TH Road, Gainesville

19346 228TH Street, High Springs, FL, 32643 — assumable VA mortgage at 2.80%
VA
Active
53
$356,500$201,854 equity gap
Rate
2.80%
7.40%today
Payment
$734/mo
$1,238today
  • 4beds
  • 3baths
  • 1,962sqft

19346 228TH Street, High Springs

5306 57TH Way, Gainesville, FL, 32653 — assumable VA mortgage at 2.81%
VA
Active
49
$489,000$260,247 equity gap
Rate
2.81%
7.40%today
Payment
$1,070/mo
$1,800today
  • 3beds
  • 2baths
  • 2,488sqft

5306 57TH Way, Gainesville

5130 186TH Street, Alachua, FL, 32615 — assumable FHA mortgage at 3.05%
FHA
Active
23
$339,000$319,167 equity gap
Rate
3.05%
7.40%today
Payment
$94/mo
$153today
  • 3beds
  • 2baths
  • 1,306sqft

5130 186TH Street, Alachua

21601 OLD BELLAMY Road, Alachua, FL, 32615 — assumable VA mortgage at 3.13%
VA
Active
67
$519,500$238,294 equity gap
Rate
3.13%
7.40%today
Payment
$1,393/mo
$2,250today
  • 3beds
  • 2baths
  • 2,468sqft

21601 OLD BELLAMY Road, Alachua

8630 35TH Road, Gainesville, FL, 32606 — assumable FHA mortgage at 3.41%
FHA
Active
62
$309,500$202,343 equity gap
Rate
3.41%
7.40%today
Payment
$714/mo
$1,113today
  • 3beds
  • 2baths
  • 1,519sqft

8630 35TH Road, Gainesville

7745 20TH Way, Gainesville, FL, 32609 — assumable FHA mortgage at 3.46%
FHA
Active
37
$329,900$169,662 equity gap
Rate
3.46%
7.40%today
Payment
$921/mo
$1,427today
  • 4beds
  • 3baths
  • 2,198sqft

7745 20TH Way, Gainesville

4109 43RD Terrace #69, Gainesville, FL, 32606 — assumable FHA mortgage at 3.50%
FHA
Active
25
$194,000$194,000 equity gap
Rate
3.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,176sqft

4109 43RD Terrace #69, Gainesville

23875 182ND Road, High Springs, FL, 32643 — assumable VA mortgage at 3.54%
VA
Active
3
$270,000$147,538 equity gap
Rate
3.54%
7.40%today
Payment
$705/mo
$1,081today
  • 3beds
  • 2baths
  • 2,094sqft

23875 182ND Road, High Springs

25672 173RD Avenue, High Springs, FL, 32643 — assumable VA mortgage at 5.125%
VA
Active
32
$536,500$80,925 equity gap
Rate
5.125%
7.40%today
Payment
$2,614/mo
$3,324today
  • 4beds
  • 3baths
  • 2,103sqft

25672 173RD Avenue, High Springs

3504 37TH Avenue, Gainesville, FL, 32605 — assumable VA mortgage at 3.91%
VA
Active
15
$165,600$126,266 equity gap
Rate
3.91%
7.40%today
Payment
$279/mo
$409today
  • 2beds
  • 2baths
  • 1,000sqft

3504 37TH Avenue, Gainesville

2411 54TH Avenue, Gainesville, FL, 32653 — assumable VA mortgage at 6.12%
VA
Active
27
$280,000Potential short sale
Rate
6.12%
7.40%today
Payment
$1,799/mo
$2,051today
  • 3beds
  • 2baths
  • 1,505sqft

2411 54TH Avenue, Gainesville

19991 248TH Street, High Springs, FL, 32643 — assumable VA mortgage at 6.19%
VA
Active
31
$354,900Potential short sale
Rate
6.19%
7.40%today
Payment
$2,285/mo
$2,586today
  • 3beds
  • 2baths
  • 1,738sqft

19991 248TH Street, High Springs

16634 193RD Terrace, High Springs, FL, 32643 — assumable VA mortgage at 6.81%
VA
Active
31
$320,000$8,909 equity gap
Rate
6.81%
7.40%today
Payment
$2,101/mo
$2,229today
  • 4beds
  • 2baths
  • 1,787sqft

16634 193RD Terrace, High Springs

17070 176TH Way, Alachua, FL, 32615 — assumable FHA mortgage at 6.08%
FHA
Active
26
$325,000$15,425 equity gap
Rate
6.08%
7.40%today
Payment
$1,918/mo
$2,196today
  • 4beds
  • 2baths
  • 1,774sqft

17070 176TH Way, Alachua

4004 63RD Street, Gainesville, FL, 32606 — assumable VA mortgage at 6.11%
VA
Active
49
$749,000$54,188 equity gap
Rate
6.11%
7.40%today
Payment
$4,236/mo
$4,835today
  • 4beds
  • 3baths
  • 2,644sqft

4004 63RD Street, Gainesville

14004 158TH Avenue, Alachua, FL, 32615 — assumable FHA mortgage at 6.19%
FHA
Active
27
$196,900$19,473 equity gap
Rate
6.19%
7.40%today
Payment
$1,094/mo
$1,238today
  • 3beds
  • 2baths
  • 1,025sqft

14004 158TH Avenue, Alachua

6226 53RD Terrace, Gainesville, FL, 32653 — assumable VA mortgage at 6.23%
VA
Active
28
$377,500$30,563 equity gap
Rate
6.23%
7.40%today
Payment
$2,150/mo
$2,423today
  • 3beds
  • 2baths
  • 1,498sqft

6226 53RD Terrace, Gainesville

25176 209TH Avenue, High Springs, FL, 32643 — assumable VA mortgage at 6.34%
VA
Active
37
$525,000$34,955 equity gap
Rate
6.34%
7.40%today
Payment
$3,170/mo
$3,531today
  • 4beds
  • 3baths
  • 2,926sqft

25176 209TH Avenue, High Springs

4931 81ST Avenue, Gainesville, FL, 32653 — assumable FHA mortgage at 6.34%
FHA
Active
40
$359,999$25,465 equity gap
Rate
6.34%
7.40%today
Payment
$2,167/mo
$2,413today
  • 3beds
  • 2baths
  • 1,659sqft

4931 81ST Avenue, Gainesville

11922 NW 197TH TER, Alachua, FL, 32615 — assumable VA mortgage at 6.50%
VA
Active
54
$289,000$16,935 equity gap
Rate
6.50%
7.40%today
Payment
$1,776/mo
$1,945today
  • 4beds
  • 3baths
  • 2,280sqft

11922 NW 197TH TER, Alachua

22885 197TH Place, High Springs, FL, 32643 — assumable VA mortgage at 6.96%
VA
Active
40
$389,000$35,665 equity gap
Rate
6.96%
7.40%today
Payment
$2,419/mo
$2,527today
  • 4beds
  • 3baths
  • 2,427sqft

22885 197TH Place, High Springs

4423 36TH Street, Gainesville, FL, 32605 — assumable FHA mortgage at 5.00%
FHA
Active
62
$330,000$128,886 equity gap
Rate
5.00%
7.40%today
Payment
$1,159/mo
$1,494today
  • 3beds
  • 2baths
  • 1,574sqft

4423 36TH Street, Gainesville

24865 155TH Avenue, High Springs, FL, 32643 — assumable VA mortgage at 6.11%
VA
Active
54
$448,400$52,373 equity gap
Rate
6.11%
7.40%today
Payment
$2,527/mo
$2,884today
  • 3beds
  • 2baths
  • 2,204sqft

24865 155TH Avenue, High Springs

4628 40TH Street, Gainesville, FL, 32606 — assumable VA mortgage at 6.39%
VA
Active
39
$309,900$40,759 equity gap
Rate
6.39%
7.40%today
Payment
$1,750/mo
$1,939today
  • 4beds
  • 2baths
  • 1,688sqft

4628 40TH Street, Gainesville

Assuming a mortgage in Alachua

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 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.67%
Lowest existing payment
$570 /mo
Median cash to assume
$80,925
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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