2.81% VA
$250,000
$575/mo
6590 CR 631
Bushnell, FL
3 bd2 ba1,456 sqft
Floral City, Florida
Keep the rate.
Buy the home in Floral City.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Floral City.
Avg. assumable rate
5.15%
vs 7.2% market
$329/mo saved
Average locked rate
5.15%
Across 6 assumable listings
Typical monthly savings
$329
On a $310,333 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 Floral City
Homes with a rate worth keeping
3.08% FHA
$365,000
$968/mo
56 NEEDLES Point
Inverness, FL
3 bd2 ba2,285 sqft
3.86% FHA
$585,000
$968/mo
4556 VIEW TOP Lane
Inverness, FL
3 bd2 ba2,140 sqft
6.90% FHA
$245,000
$1,601/mo
3220 ROGERS Street
Inverness, FL
3 bd2 ba1,380 sqft
6.64% FHA
$245,000
$1,613/mo
5420 GWENDOLYN Path
Inverness, FL
3 bd2 ba1,248 sqft
7.62% FHA
$172,000
$1,174/mo
1340 CYPRESS COVE Court
Inverness, FL
2 bd3 ba1,230 sqft
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven73
- 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 Floral City.
A 7.2% new loan against an assumable one at 5.15%, same balance, 30 years.
You keep every month
$329/mo
Over a year$3,951
Monthly payment, side by side
7.2% vs 5.15%
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 Floral City
Numbers below come from current Floral City inventory and update as listings change.
- Are there assumable homes for sale in Floral City?
- As of September 2026, there are no verified assumable listings in Floral City. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Floral City.
- What types of loans can be assumed in Floral City?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Florida. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Floral City?
- 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 Floral City.
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.
