3.06% FHA
$285,900
$1,039/mo
2930 PALMETTO Street
Bunnell, FL
3 bd2 ba1,920 sqft
Crescent City, Florida
Keep the rate.
Buy the home in Crescent City.
1 assumable home for sale in Crescent City, with locked rates from 2.89%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
2.89%
vs 7.2% market
$692/mo saved
Median locked rate
2.89%
Across 1 assumable listing
Typical monthly savings
$692
On a $489,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Crescent City
Homes with a rate worth keeping
2.89% FHA
$489,900
$1,010/mo
640 UNION Avenue
Crescent City, FL
3 bd3 ba1,836 sqft
7.07% FHA
$225,000
$1,401/mo
129 PATRICIAN Place
Satsuma, FL
3 bd2 ba1,728 sqft
6.99% FHA
$389,900
$2,057/mo
374 SISCO Road
Pomona Park, FL
3 bd2 ba1,248 sqft
6.15% VA
$16,000
$1,188/mo
116 GEORGETOWN POINT Road
Georgetown, FL
— bd0 ba— sqft
Inventory snapshot
What’s assumable in Crescent City right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 2.89%
- Median rate
- 2.89%
- Median list price
- $489,900
- Median cash to assume
- $277,325
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Listings by loan type
- FHA1 homemedian 2.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Crescent City 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
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Crescent City.
A 7.2% new loan against an assumable one at 2.89%, same balance, 30 years.
You keep every month
$1,031/mo
Over a year$12,376
Monthly payment, side by side
7.2% vs 2.89%
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 Crescent City
Numbers below come from current Crescent City inventory and update as listings change.
- How many assumable homes are for sale in Crescent City?
- As of September 2026, UMe tracks 1 active assumable listing in Crescent City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Crescent City?
- Current Crescent City inventory breaks down as FHA (1, median 2.89%). 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 Crescent City right now?
- The lowest rate on an active Crescent City assumable listing is 2.89%, and the median across all 1 listing is 2.89%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Crescent City?
- Across current Crescent City listings, the median principal-and-interest payment on the assumable loan is $1,010 per month versus $1,702 for the same balance at today's rates, a difference of about $692 every month, or $8,305 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 Crescent City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Crescent City that gap is currently a median of $277,325 on a median list price of $489,900. 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 Crescent City ZIP codes have the most assumable homes?
- The Crescent City ZIP codes with the most active assumable listings are 32112 (1). 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 Crescent City?
- 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 Crescent City.
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.
