2.96% VA
$300,000
$1,343/mo
2852 EASTHAM Lane
Kissimmee, FL
3 bd3 ba1,776 sqft
Kissimmee, Florida
Keep the rate.
Buy the home in Kissimmee.
194 assumable homes for sale in Kissimmee, with locked rates from 2.39%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.19%
vs 7.2% market
$510/mo saved
Median locked rate
5.19%
Across 194 assumable listings
Typical monthly savings
$510
On a $343,945 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 Kissimmee
Homes with a rate worth keeping
3.07% FHA
$362,900
$1,422/mo
392 CITRINE Loop
Kissimmee, FL
4 bd3 ba2,091 sqft
3.16% FHA
$375,000
$1,415/mo
1321 ARISHA Drive
Kissimmee, FL
4 bd4 ba2,376 sqft
3.51% VA
$700,000
$3,100/mo
2132 PLANTATION OAK Drive
Orlando, FL
4 bd4 ba3,805 sqft
3.45% VA
$339,000
$1,339/mo
1617 MOHEGAN Boulevard
Kissimmee, FL
3 bd3 ba1,896 sqft
2.70% VA
$345,000
$1,136/mo
1018 MISSOURI Avenue
St Cloud, FL
3 bd3 ba1,706 sqft
Inventory snapshot
What’s assumable in Kissimmee right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 194
- Certified / verified
- 0
- Lowest rate
- 2.39%
- Median rate
- 5.19%
- Median list price
- $343,945
- Median cash to assume
- $98,240
Listings by locked rate
- Under 4%68 homes
- 4% – 5%26 homes
- 5% – 6%12 homes
- 6% and up87 homes
Listings by loan type
- FHA156 homesmedian 5.22%
- VA38 homesmedian 4.80%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Kissimmee ZIP code
- 34746
41 assumable homes · median 4.07%
median $355,000
- 34759
40 assumable homes · median 6.36%
median $296,950
- 34758
38 assumable homes · median 4.85%
median $322,450
- 34744
34 assumable homes · median 5.42%
median $412,450
- 34741
15 assumable homes · median 4.05%
median $349,990
- 34743
13 assumable homes · median 4.99%
median $340,000
- 34747
13 assumable homes · median 6.34%
median $344,900
Nearby markets
More assumable homes in Florida
- Orlando204
- 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
- Alachua
Run your numbers
The cost of waiting in Kissimmee.
A 7.2% new loan against an assumable one at 5.19%, same balance, 30 years.
You keep every month
$360/mo
Over a year$4,315
Monthly payment, side by side
7.2% vs 5.19%
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 Kissimmee
Numbers below come from current Kissimmee inventory and update as listings change.
- How many assumable homes are for sale in Kissimmee?
- As of September 2026, UMe tracks 194 active assumable listings in Kissimmee. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Kissimmee?
- Current Kissimmee inventory breaks down as FHA (156, median 5.22%) and VA (38, median 4.80%). 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 Kissimmee right now?
- The lowest rate on an active Kissimmee assumable listing is 2.39%, and the median across all 194 listings is 5.19%. 68 listings are under 4% and 94 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 Kissimmee?
- Across current Kissimmee listings, the median principal-and-interest payment on the assumable loan is $1,476 per month versus $1,986 for the same balance at today's rates, a difference of about $510 every month, or $6,122 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 Kissimmee?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kissimmee that gap is currently a median of $98,240 on a median list price of $343,945. 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 Kissimmee ZIP codes have the most assumable homes?
- The Kissimmee ZIP codes with the most active assumable listings are 34746 (41), 34759 (40), 34758 (38), 34744 (34), and 34741 (15). 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 Kissimmee?
- 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 Kissimmee.
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.
