4.17% FHA
$290,000
$1,435/mo
15166 ECKERLEY Drive
Weeki Wachee, FL
3 bd2 ba1,560 sqft
Homosassa, Florida
Keep the rate.
Buy the home in Homosassa.
9 assumable homes for sale in Homosassa, with locked rates from 2.98%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.72%
vs 7.2% market
$131/mo saved
Median locked rate
6.72%
Across 9 assumable listings
Typical monthly savings
$131
On a $199,900 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 Homosassa
Homes with a rate worth keeping
2.74% FHA
$219,000
$635/mo
306 MONROE Street
Beverly Hills, FL
3 bd2 ba2,150 sqft
3.07% FHA
$380,000
$1,180/mo
13073 JAYWALK Road
Weeki Wachee, FL
4 bd2 ba1,984 sqft
2.36% VA
$369,900
$975/mo
5518 ELKCAM Boulevard
Beverly Hills, FL
3 bd2 ba2,116 sqft
2.88% VA
$595,000
$1,462/mo
4811 LUPINE Terrace
Beverly Hills, FL
3 bd2 ba2,495 sqft
2.98% FHA
$199,900
$465/mo
6072 PATRIOT Street
Homosassa, FL
3 bd2 ba1,620 sqft
Inventory snapshot
What’s assumable in Homosassa right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 9
- Certified / verified
- 0
- Lowest rate
- 2.98%
- Median rate
- 6.72%
- Median list price
- $199,900
- Median cash to assume
- $58,589
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up7 homes
Listings by loan type
- FHA7 homesmedian 6.72%
- VA2 homesmedian 6.69%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Homosassa ZIP code
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 Homosassa.
A 7.2% new loan against an assumable one at 6.72%, same balance, 30 years.
You keep every month
$51/mo
Over a year$618
Monthly payment, side by side
7.2% vs 6.72%
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 Homosassa
Numbers below come from current Homosassa inventory and update as listings change.
- How many assumable homes are for sale in Homosassa?
- As of September 2026, UMe tracks 9 active assumable listings in Homosassa. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Homosassa?
- Current Homosassa inventory breaks down as FHA (7, median 6.72%) and VA (2, median 6.69%). 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 Homosassa right now?
- The lowest rate on an active Homosassa assumable listing is 2.98%, and the median across all 9 listings is 6.72%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Homosassa?
- Across current Homosassa listings, the median principal-and-interest payment on the assumable loan is $1,685 per month versus $1,816 for the same balance at today's rates, a difference of about $131 every month, or $1,576 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 Homosassa?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Homosassa that gap is currently a median of $58,589 on a median list price of $199,900. 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 Homosassa ZIP codes have the most assumable homes?
- The Homosassa ZIP codes with the most active assumable listings are 34448 (5) and 34446 (4). 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 Homosassa?
- 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 Homosassa.
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.
