3.08% FHA
$205,000
$669/mo
4005 SUNFLOWER Circle
Labelle, FL
3 bd2 ba1,296 sqft
Florida · Statewide
Keep the rate.
Buy the home in Florida.
3,447 assumable homes for sale in Florida, with locked rates from 2.00%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.52%
vs 7.2% market
$499/mo saved
Median locked rate
5.52%
Across 3447 assumable listings
Typical monthly savings
$499
On a $349,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Florida
Homes with a rate worth keeping
2.68% FHA
$415,000
$1,132/mo
7380 PINEWALK Drive
Margate, FL
3 bd3 ba1,320 sqft
2.81% VA
$699,000
$1,934/mo
1531 194TH Terrace
Pembroke Pines, FL
4 bd3 ba2,054 sqft
3.72% FHA
$835,000
$1,608/mo
19755 241ST Terrace
Homestead, FL
4 bd2 ba2,014 sqft
3.85% FHA
$750,000
$1,603/mo
904 SUMMER Street
Lake Worth, FL
6 bd4 ba2,504 sqft
3.88% FHA
$659,900
$947/mo
9601 9TH Court
Pembroke Pines, FL
4 bd2 ba2,114 sqft
Inventory snapshot
What’s assumable in Florida right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 3,447
- Certified / verified
- 0
- Lowest rate
- 2.00%
- Median rate
- 5.52%
- Median list price
- $349,000
- Median cash to assume
- $116,679
Listings by locked rate
- Under 4%1,182 homes
- 4% – 5%302 homes
- 5% – 6%247 homes
- 6% and up1,621 homes
Listings by loan type
- FHA2,253 homesmedian 6.11%
- VA1,194 homesmedian 4.83%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Florida ZIP code
- 33837
67 assumable homes · median 6.43%
median $339,900
- 33844
61 assumable homes · median 6.30%
median $320,000
- 34759
57 assumable homes · median 6.29%
median $289,990
- 33579
44 assumable homes · median 4.01%
median $399,450
- 34746
41 assumable homes · median 4.07%
median $355,000
- 34758
39 assumable homes · median 4.83%
median $320,000
- 34771
39 assumable homes · median 4.81%
median $465,000
- 33578
35 assumable homes · median 3.72%
median $325,000
Across Florida
Assumable homes by Florida city
Run your numbers
The cost of waiting in Florida.
A 7.2% new loan against an assumable one at 5.52%, same balance, 30 years.
You keep every month
$307/mo
Over a year$3,687
Monthly payment, side by side
7.2% vs 5.52%
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 Florida
Numbers below come from current Florida inventory and update as listings change.
- How many assumable homes are for sale in Florida?
- As of September 2026, UMe tracks 3,447 active assumable listings in Florida. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Florida?
- Current Florida inventory breaks down as FHA (2,253, median 6.11%) and VA (1,194, median 4.83%). 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 Florida right now?
- The lowest rate on an active Florida assumable listing is 2.00%, and the median across all 3,447 listings is 5.52%. 1,182 listings are under 4% and 1,484 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 Florida?
- Across current Florida listings, the median principal-and-interest payment on the assumable loan is $1,447 per month versus $1,946 for the same balance at today's rates, a difference of about $499 every month, or $5,994 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 Florida?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Florida that gap is currently a median of $116,679 on a median list price of $349,000. 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 Florida cities have the most assumable homes?
- Right now the deepest assumable inventory in Florida is in Orlando (204), Kissimmee (194), Tampa (171), Ocala (143), and Davenport (105). Each city has its own page with live counts, rates, and neighborhoods, and the Florida map lets you search the whole state at once.
- How long does a mortgage assumption take in Florida?
- 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 Florida.
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.
