2.97% VA
$270,000
$1,134/mo
7625 GILCHRIST Drive
Orlando, FL
3 bd2 ba1,186 sqft
Orlando, Florida
Keep the rate.
Buy the home in Orlando.
204 assumable homes for sale in Orlando, with locked rates from 2.20%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.23%
vs 7.2% market
$561/mo saved
Median locked rate
4.23%
Across 204 assumable listings
Typical monthly savings
$561
On a $400,000 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 Orlando
Homes with a rate worth keeping
3.51% VA
$700,000
$3,100/mo
2132 PLANTATION OAK Drive
Orlando, FL
4 bd4 ba3,805 sqft
3.45% VA
$500,000
$2,278/mo
2563 WALNUT HEIGHTS Road
Apopka, FL
4 bd3 ba2,593 sqft
2.77% FHA
$409,900
$1,366/mo
428 RUTH ST
Longwood, FL
3 bd2 ba1,639 sqft
2.81% VA
$144,900
$514/mo
532 ORANGE Drive
Altamonte Springs, FL
3 bd3 ba1,416 sqft
2.87% FHA
$372,000
$1,374/mo
9421 RANDAL PARK Boulevard
Orlando, FL
3 bd3 ba1,516 sqft
Inventory snapshot
What’s assumable in Orlando right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 204
- Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 4.23%
- Median list price
- $400,000
- Median cash to assume
- $179,298
Listings by locked rate
- Under 4%82 homes
- 4% – 5%26 homes
- 5% – 6%14 homes
- 6% and up77 homes
Listings by loan type
- FHA133 homesmedian 5.22%
- VA71 homesmedian 3.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Orlando ZIP code
- 32824
25 assumable homes · median 4.07%
median $399,999
- 32827
20 assumable homes · median 4.36%
median $809,500
- 32828
19 assumable homes · median 4.27%
median $495,000
- 32832
18 assumable homes · median 3.88%
median $424,950
- 32825
17 assumable homes · median 6.11%
median $358,000
- 32818
11 assumable homes · median 3.77%
median $339,900
- 32822
9 assumable homes · median 3.13%
median $344,000
- 32829
8 assumable homes · median 6.50%
median $432,450
Nearby markets
More assumable homes in Florida
- 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
- Alachua
Run your numbers
The cost of waiting in Orlando.
A 7.2% new loan against an assumable one at 4.23%, same balance, 30 years.
You keep every month
$602/mo
Over a year$7,220
Monthly payment, side by side
7.2% vs 4.23%
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 Orlando
Numbers below come from current Orlando inventory and update as listings change.
- How many assumable homes are for sale in Orlando?
- As of September 2026, UMe tracks 204 active assumable listings in Orlando. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Orlando?
- Current Orlando inventory breaks down as FHA (133, median 5.22%) and VA (71, median 3.88%). 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 Orlando right now?
- The lowest rate on an active Orlando assumable listing is 2.20%, and the median across all 204 listings is 4.23%. 82 listings are under 4% and 108 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 Orlando?
- Across current Orlando listings, the median principal-and-interest payment on the assumable loan is $1,459 per month versus $2,020 for the same balance at today's rates, a difference of about $561 every month, or $6,732 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 Orlando?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Orlando that gap is currently a median of $179,298 on a median list price of $400,000. 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 Orlando ZIP codes have the most assumable homes?
- The Orlando ZIP codes with the most active assumable listings are 32824 (25), 32827 (20), 32828 (19), 32832 (18), and 32825 (17). 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 Orlando?
- 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 Orlando.
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.
