2.87% VA
$565,000
$2,152/mo
3443 TUMBLING RIVER Drive
Clermont, FL
4 bd5 ba3,459 sqft
Clermont, Florida
Keep the rate.
Buy the home in Clermont.
45 assumable homes for sale in Clermont, with locked rates from 2.76%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.61%
vs 7.2% market
$728/mo saved
Median locked rate
5.61%
Across 45 assumable listings
Typical monthly savings
$728
On a $432,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Clermont
Homes with a rate worth keeping
2.90% FHA
$324,900
$1,291/mo
502 TIMBER RUN Lane
Groveland, FL
3 bd2 ba1,435 sqft
2.74% VA
$290,000
$984/mo
5825 PRINCESS CAROLINE Place
Leesburg, FL
3 bd2 ba2,023 sqft
2.84% FHA
$295,000
$1,184/mo
115 CRESCENT MOON Drive
Groveland, FL
3 bd2 ba1,856 sqft
3.07% FHA
$465,000
$1,542/mo
10089 SALT POINT Drive
Winter Garden, FL
3 bd3 ba1,654 sqft
3.45% FHA
$409,900
$1,408/mo
516 CADIZ Drive
Groveland, FL
5 bd4 ba3,644 sqft
Inventory snapshot
What’s assumable in Clermont right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 45
- Certified / verified
- 0
- Lowest rate
- 2.76%
- Median rate
- 5.61%
- Median list price
- $432,000
- Median cash to assume
- $143,308
Listings by locked rate
- Under 4%16 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up19 homes
Listings by loan type
- VA24 homesmedian 5.61%
- FHA21 homesmedian 5.03%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Clermont ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Clermont.
A 7.2% new loan against an assumable one at 5.61%, same balance, 30 years.
You keep every month
$358/mo
Over a year$4,296
Monthly payment, side by side
7.2% vs 5.61%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Clermont
Numbers below come from current Clermont inventory and update as listings change.
- How many assumable homes are for sale in Clermont?
- As of September 2026, UMe tracks 45 active assumable listings in Clermont. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Clermont?
- Current Clermont inventory breaks down as VA (24, median 5.61%) and FHA (21, median 5.03%). 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 Clermont right now?
- The lowest rate on an active Clermont assumable listing is 2.76%, and the median across all 45 listings is 5.61%. 16 listings are under 4% and 19 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 Clermont?
- Across current Clermont listings, the median principal-and-interest payment on the assumable loan is $1,926 per month versus $2,654 for the same balance at today's rates, a difference of about $728 every month, or $8,742 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 Clermont?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Clermont that gap is currently a median of $143,308 on a median list price of $432,000. 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 Clermont ZIP codes have the most assumable homes?
- The Clermont ZIP codes with the most active assumable listings are 34711 (23), 34714 (15), and 34715 (7). 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 Clermont?
- 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.
Ready when you are
Stop overpaying for Clermont.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
