FHA
Active
4$135,000$14,041 equity gap
- Rate
- 3.69%
7.40%today- Payment
- $609/mo
$918today
- 2beds
- 1baths
- 906sqft
Sebring, Florida
Assumable homes for salein Sebring, Florida.
17 homes in Sebring carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.41%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sebring assumable market
by the numbers.
17active assumable listings
3.41%lowest locked rate
$350kmedian list price
$443saved per month vs. 7.2%
About the market
Assumable mortgagesin Sebring, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Sebring. Updated October 2026.
How assumptions work for buyersSebring, Florida has 17 homes for sale with an assumable mortgage as of October 2026: 14 FHA loans and 3 VA 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 Sebring assumable listings start at 3.41% with a median of 6.54%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Sebring lists for $350,000, with a median of $66,371 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 $1,757 a month versus $2,201 for the same balance at today's rate, roughly $443 kept every month and $5,320 a year. The most active Sebring ZIP codes are 33872 (9), 33875 (5), and 33870 (3).
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 Sebring assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sebring
View all 17 on the map Homes on the marketin Sebring.
FHA
Active
27$214,900$131,543 equity gap
- Rate
- 3.41%
7.40%today- Payment
- $480/mo
$748today
- 2beds
- 2baths
- 1,116sqft
4206 LOQUAT Road, Sebring
VA
Active
50$599,000$309,169 equity gap
- Rate
- 3.55%
7.40%today- Payment
- $1,531/mo
$2,346today
- 3beds
- 3baths
- 2,360sqft
2711 SNYDER Road, Sebring
FHA
Active
19$319,900$55,161 equity gap
- Rate
- 5.00%
7.40%today- Payment
- $1,525/mo
$1,967today
- 3beds
- 2baths
- 1,737sqft
4550 SAN IGNACIO Drive, Sebring
FHA
Active
48$559,900$378,858 equity gap
- Rate
- 3.75%
7.40%today- Payment
- $982/mo
$1,468today
- 3beds
- 2baths
- 2,721sqft
1502 LAKE JOSEPHINE Drive, Sebring
FHA
Active
59$354,900$52,000 equity gap
- Rate
- 5.13%
7.40%today- Payment
- $1,757/mo
$2,233today
- 4beds
- 2baths
- 1,965sqft
5036 SAN IGNACIO Drive, Sebring
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 Sebring.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 3.41%
- Median rate
- 6.54%
- Median list price
- $350,000
- Median cash to assume
- $66,371
Sebring listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%4 homes
- 6% and up10 homes
Sebring listings by loan type
- FHA14 homesmedian 6.33%
- VA3 homesmedian 6.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sebring ZIP code.
Each ZIP opens the Sebring map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sebring numbers
What an assumable ratedoes to a Sebring payment.
The sliders start at the median Sebring assumable listing: $350,000 list price and a 6.54% 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)$65,000
19% 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 Sebring
$1,904/mo
New loan at 7.20%$1,935
Assumed at 6.55%
$1,904
Every month$31
Over five years$1,831
Interest you never pay$102,38026-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 Sebring listing on UMe shows the actual balance, rate, and payment.
How it works in Sebring
How to assumea mortgage in Sebring.
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 Sebring home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sebring 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 $66,371 in Sebring 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 Sebring payment written in a different decade.
Sebring questions
Assuming a mortgagein Sebring.
The numbers below come from current Sebring inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sebring?
As of October 2026, UMe tracks 17 active assumable listings in Sebring. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sebring?
Current Sebring inventory breaks down as FHA (14, median 6.33%) and VA (3, median 6.58%). 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 Sebring?
The lowest rate on an active Sebring assumable listing is 3.41%, and the median across all 17 listings is 6.54%. 3 listings are under 4% and 3 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 Sebring?
Across current Sebring listings, the median principal-and-interest payment on the assumable loan is $1,757 per month versus $2,201 for the same balance at today's rates, a difference of about $443 every month, or $5,320 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 Sebring?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sebring that gap is currently a median of $66,371 on a median list price of $350,000. 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 Sebring ZIP codes have the most assumable homes?
The Sebring ZIP codes with the most active assumable listings are 33872 (9), 33875 (5), and 33870 (3). 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 Sebring?
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 Sebring.The rate is already on the house.
Every listing on the Sebring map has a rate you can take over. Start with the ones in Sebring, get pre-qualified in minutes, and let UMe carry the assumption to closing.
