VATop pick
Active
37$324,900$17,030 down
- Rate
- 3.09%
7.28%today- Payment
- $1,462/mo
$2,345today
- 3beds
- 2baths
- 1,974sqft
High Springs, Florida
Assumable homes for salein High Springs, Florida.
13 homes in High Springs carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
High Springs assumable market
by the numbers.
13active assumable listings
2.80%lowest locked rate
$357kmedian list price
$255saved per month vs. 7.2%
About the market
Assumable mortgagesin High Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to High Springs. Updated October 2026.
How assumptions work for buyersHigh Springs, Florida has 13 homes for sale with an assumable mortgage as of October 2026: 7 VA loans and 6 FHA loans 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 High Springs assumable listings start at 2.80% with a median of 6.19%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in High Springs lists for $356,500, with a median of $72,358 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 $1,899 a month versus $2,154 for the same balance at today's rate, roughly $255 kept every month and $3,056 a year. The most active High Springs ZIP codes are 32643 (13).
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 High Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in High Springs
View all 13 on the map Homes on the marketin High Springs.
FHA
Active
34$310,000$68,965 down
- Rate
- 2.65%
7.28%today- Payment
- $1,107/mo
$1,880today
- 3beds
- 2baths
- 1,974sqft
892 251ST Drive, Newberry
VA
Active
53$344,900$44,804 down
- Rate
- 3.56%
7.28%today- Payment
- $1,491/mo
$2,254today
- 4beds
- 2baths
- 1,618sqft
12327 159TH Way, Alachua
VA
Active
52$499,999$194,711 down
- Rate
- 2.67%
7.28%today- Payment
- $1,413/mo
$2,392today
- 6beds
- 5baths
- 3,894sqft
1048 233RD Drive, Newberry
FHA
Active
70$694,900$395,393 down
- Rate
- 2.73%
7.28%today- Payment
- $1,395/mo
$2,344today
- 5beds
- 3baths
- 2,279sqft
3460 COUNTY ROAD 337, Trenton
VA
Active
53$356,500$201,854 down
- Rate
- 2.80%
7.28%today- Payment
- $734/mo
$1,223today
- 4beds
- 3baths
- 1,962sqft
19346 228TH Street, High Springs
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 High Springs.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 13
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 6.19%
- Median list price
- $356,500
- Median cash to assume
- $72,358
High Springs listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up8 homes
High Springs listings by loan type
- VA7 homesmedian 6.19%
- FHA6 homesmedian 5.42%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby High Springs ZIP code.
Each ZIP opens the High Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the High Springs numbers
What an assumable ratedoes to a High Springs payment.
The sliders start at the median High Springs assumable listing: $356,500 list price and a 6.19% 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)$70,000
20% 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 High Springs
$1,841/mo
New loan at 7.20%$1,935
Assumed at 6.20%
$1,841
Every month$93
Over five years$5,591
Interest you never pay$121,93326-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 High Springs listing on UMe shows the actual balance, rate, and payment.
How it works in High Springs
How to assumea mortgage in High Springs.
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 High Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the High Springs 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 $72,358 in High Springs 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 High Springs payment written in a different decade.
High Springs questions
Assuming a mortgagein High Springs.
The numbers below come from current High Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in High Springs?
As of October 2026, UMe tracks 13 active assumable listings in High Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in High Springs?
Current High Springs inventory breaks down as VA (7, median 6.19%) and FHA (6, median 5.42%). 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 High Springs?
The lowest rate on an active High Springs assumable listing is 2.80%, and the median across all 13 listings is 6.19%. 3 listings are under 4% and 4 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 High Springs?
Across current High Springs listings, the median principal-and-interest payment on the assumable loan is $1,899 per month versus $2,154 for the same balance at today's rates, a difference of about $255 every month, or $3,056 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 High Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In High Springs that gap is currently a median of $72,358 on a median list price of $356,500. 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 High Springs ZIP codes have the most assumable homes?
The High Springs ZIP codes with the most active assumable listings are 32643 (13). 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 High Springs?
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 High Springs.The rate is already on the house.
Every listing on the High Springs map has a rate you can take over. Start with the ones in High Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
