2.98% FHA
$274,990
$1,117/mo
4553 14TH Street
Ocala, FL
4 bd3 ba2,632 sqft
Summerfield, Florida
Keep the rate.
Buy the home in Summerfield.
31 assumable homes for sale in Summerfield, with locked rates from 2.24%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.55%
vs 7.2% market
$151/mo saved
Median locked rate
5.55%
Across 31 assumable listings
Typical monthly savings
$151
On a $289,700 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Summerfield
Homes with a rate worth keeping
3.45% VA
$284,900
$1,250/mo
8083 169TH PALOWNIA Loop
The Villages, FL
2 bd2 ba1,186 sqft
2.90% FHA
$165,000
$601/mo
1709 SCHWARTZ Boulevard
Lady Lake, FL
2 bd1 ba936 sqft
3.06% FHA
$245,000
$903/mo
4322 CASAURINA Road
Lady Lake, FL
3 bd2 ba2,075 sqft
3.08% VA
$259,900
$894/mo
954 AVALON Avenue
Lady Lake, FL
2 bd2 ba1,156 sqft
4.01% FHA
$350,000
$2,058/mo
867 CORTEZ Avenue
The Villages, FL
2 bd2 ba1,770 sqft
Inventory snapshot
What’s assumable in Summerfield right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 31
- Certified / verified
- 0
- Lowest rate
- 2.24%
- Median rate
- 5.55%
- Median list price
- $289,700
- Median cash to assume
- $91,869
Listings by locked rate
- Under 4%13 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up14 homes
Listings by loan type
- VA16 homesmedian 4.32%
- FHA15 homesmedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Summerfield 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 Summerfield.
A 7.2% new loan against an assumable one at 5.55%, same balance, 30 years.
You keep every month
$250/mo
Over a year$3,003
Monthly payment, side by side
7.2% vs 5.55%
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 Summerfield
Numbers below come from current Summerfield inventory and update as listings change.
- How many assumable homes are for sale in Summerfield?
- As of September 2026, UMe tracks 31 active assumable listings in Summerfield. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Summerfield?
- Current Summerfield inventory breaks down as VA (16, median 4.32%) and FHA (15, median 6.50%). 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 Summerfield right now?
- The lowest rate on an active Summerfield assumable listing is 2.24%, and the median across all 31 listings is 5.55%. 13 listings are under 4% and 14 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 Summerfield?
- Across current Summerfield listings, the median principal-and-interest payment on the assumable loan is $1,447 per month versus $1,598 for the same balance at today's rates, a difference of about $151 every month, or $1,813 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 Summerfield?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Summerfield that gap is currently a median of $91,869 on a median list price of $289,700. 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 Summerfield ZIP codes have the most assumable homes?
- The Summerfield ZIP codes with the most active assumable listings are 34491 (31). 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 Summerfield?
- 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 Summerfield.
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.
