2.90% VA
$599,900
$2,262/mo
3 ECHO WOODS Way
Ormond Beach, FL
4 bd3 ba2,506 sqft
Holly Hill, Florida
Keep the rate.
Buy the home in Holly Hill.
1 assumable home for sale in Holly Hill, with locked rates from 6.92%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.92%
vs 7.2% market
$88/mo saved
Median locked rate
6.92%
Across 1 assumable listing
Typical monthly savings
$88
On a $165,000 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 Holly Hill
Homes with a rate worth keeping
3.75% VA
$874,900
$4,201/mo
4767 ATLANTIC Avenue
Ponce Inlet, FL
3 bd3 ba2,190 sqft
3.02% FHA
$220,000
$632/mo
843 NILES Street
Daytona Beach, FL
3 bd2 ba1,000 sqft
4.22% FHA
$225,000
$1,963/mo
748 MERRIMAC Drive
Port Orange, FL
3 bd2 ba1,536 sqft
3.23% FHA
$349,999
$1,465/mo
5988 SHADY CREEK Lane
Port Orange, FL
3 bd2 ba2,038 sqft
2.87% VA
$599,000
$1,043/mo
6064 SABAL HAMMOCK Circle
Port Orange, FL
3 bd2 ba2,290 sqft
Inventory snapshot
What’s assumable in Holly Hill right now
Live counts from the MLS feeds we index for Florida. Updated June 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.92%
- Median rate
- 6.92%
- Median list price
- $165,000
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA1 homemedian 6.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Holly Hill 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 Holly Hill.
A 7.2% new loan against an assumable one at 6.92%, same balance, 30 years.
You keep every month
$25/mo
Over a year$299
Monthly payment, side by side
7.2% vs 6.92%
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 Holly Hill
Numbers below come from current Holly Hill inventory and update as listings change.
- How many assumable homes are for sale in Holly Hill?
- As of June 2026, UMe tracks 1 active assumable listing in Holly Hill. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Holly Hill?
- Current Holly Hill inventory breaks down as FHA (1, median 6.92%). 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 Holly Hill right now?
- The lowest rate on an active Holly Hill assumable listing is 6.92%, and the median across all 1 listing is 6.92%. 0 listings are under 4% and 0 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 Holly Hill?
- Across current Holly Hill listings, the median principal-and-interest payment on the assumable loan is $1,434 per month versus $1,522 for the same balance at today's rates, a difference of about $88 every month, or $1,060 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- Which Holly Hill ZIP codes have the most assumable homes?
- The Holly Hill ZIP codes with the most active assumable listings are 32117 (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 Holly Hill?
- 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 Holly Hill.
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.
