3.00% VA
$819,000
$3,766/mo
13348 PANAMA BEACH Court
Orlando, FL
4 bd4 ba2,860 sqft
Harmony, Florida
Keep the rate.
Buy the home in Harmony.
8 assumable homes for sale in Harmony, with locked rates from 2.97%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.46%
vs 7.2% market
$241/mo saved
Median locked rate
6.46%
Across 8 assumable listings
Typical monthly savings
$241
On a $357,500 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 Harmony
Homes with a rate worth keeping
3.76% FHA
$356,000
$1,739/mo
5882 HERDER Road
St Cloud, FL
3 bd2 ba1,663 sqft
2.70% VA
$345,000
$1,136/mo
1018 MISSOURI Avenue
St Cloud, FL
3 bd3 ba1,706 sqft
2.80% VA
$300,000
$993/mo
5044 WALKER Street
St Cloud, FL
2 bd3 ba1,464 sqft
2.97% FHA
$350,000
$1,183/mo
2822 HARMONIA HAMMOCK RD
Harmony, FL
3 bd2 ba1,676 sqft
2.99% VA
$620,000
$2,197/mo
4830 STONE ACRES Circle
St Cloud, FL
4 bd3 ba3,189 sqft
Inventory snapshot
What’s assumable in Harmony right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 8
- Certified / verified
- 0
- Lowest rate
- 2.97%
- Median rate
- 6.46%
- Median list price
- $357,500
- Median cash to assume
- $63,777
Listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up5 homes
Listings by loan type
- FHA6 homesmedian 6.80%
- VA2 homesmedian 4.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Harmony 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 Harmony.
A 7.2% new loan against an assumable one at 6.46%, same balance, 30 years.
You keep every month
$142/mo
Over a year$1,705
Monthly payment, side by side
7.2% vs 6.46%
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 Harmony
Numbers below come from current Harmony inventory and update as listings change.
- How many assumable homes are for sale in Harmony?
- As of September 2026, UMe tracks 8 active assumable listings in Harmony. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Harmony?
- Current Harmony inventory breaks down as FHA (6, median 6.80%) and VA (2, median 4.35%). 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 Harmony right now?
- The lowest rate on an active Harmony assumable listing is 2.97%, and the median across all 8 listings is 6.46%. 2 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 Harmony?
- Across current Harmony listings, the median principal-and-interest payment on the assumable loan is $2,185 per month versus $2,427 for the same balance at today's rates, a difference of about $241 every month, or $2,894 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 Harmony?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Harmony that gap is currently a median of $63,777 on a median list price of $357,500. 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 Harmony ZIP codes have the most assumable homes?
- The Harmony ZIP codes with the most active assumable listings are 34773 (8). 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 Harmony?
- 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 Harmony.
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.
