VATop pick
Active
26$300,000$16,239 equity gap
- Rate
- 2.96%
7.32%today- Payment
- $1,343/mo
$2,199today
- 3beds
- 3baths
- 1,776sqft
Kissimmee, Florida
Assumable homes for salein Kissimmee, Florida.
342 homes in Kissimmee carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.39%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kissimmee assumable market
by the numbers.
342active assumable listings
2.39%lowest locked rate
$350kmedian list price
$534saved per month vs. 7.2%
About the market
Assumable mortgagesin Kissimmee, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Kissimmee. Updated October 2026.
How assumptions work for buyersKissimmee, Florida has 342 homes for sale with an assumable mortgage as of October 2026: 271 FHA loans and 71 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Kissimmee assumable listings start at 2.39% with a median of 4.98%; 133 listings are under 4% and 174 are under 5%.
The median assumable home in Kissimmee lists for $349,995, with a median of $117,705 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,454 a month versus $1,989 for the same balance at today's rate, roughly $534 kept every month and $6,412 a year. The most active Kissimmee ZIP codes are 34744 (85), 34746 (79), 34758 (52), 34759 (50), and 34743 (27).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Kissimmee assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kissimmee
View all 342 on the map Homes on the marketin Kissimmee.
VA
Active
45$154,900$21,421 equity gap
- Rate
- 2.80%
7.32%today- Payment
- $616/mo
$1,030today
- 2beds
- 2baths
- 1,558sqft
2537 LONGPINE Lane, St Cloud
VA
Active
48$460,000$73,468 equity gap
- Rate
- 2.90%
7.32%today- Payment
- $1,825/mo
$3,013today
- 4beds
- 3baths
- 2,724sqft
3817 GOLDEN FEATHER Way, Kissimmee
FHA
Active
23$317,000$63,484 equity gap
- Rate
- 2.99%
7.32%today- Payment
- $1,193/mo
$1,946today
- 3beds
- 2baths
- 1,432sqft
4302 SUNNY CREEK Place, Kissimmee
VA
Active
48$700,000$72,502 equity gap
- Rate
- 3.51%
7.32%today- Payment
- $3,100/mo
$4,736today
- 4beds
- 4baths
- 3,805sqft
2132 PLANTATION OAK Drive, Orlando
FHA
Active
45$299,900$86,403 equity gap
- Rate
- 2.71%
7.32%today- Payment
- $997/mo
$1,686today
- 3beds
- 3baths
- 1,584sqft
3113 VIA OTERO Drive, Kissimmee
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Kissimmee.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 342
- UMe Certified / verified
- 0
- Lowest rate
- 2.39%
- Median rate
- 4.98%
- Median list price
- $349,995
- Median cash to assume
- $117,705
Kissimmee listings by locked rate
- Under 4%133 homes
- 4% – 5%41 homes
- 5% – 6%26 homes
- 6% and up142 homes
Kissimmee listings by loan type
- FHA271 homesmedian 4.98%
- VA71 homesmedian 4.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kissimmee ZIP code.
Each ZIP opens the Kissimmee map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 34744
85 assumable homes
median 4.83% · $409,900
- 34746
79 assumable homes
median 4.30% · $369,900
- 34758
52 assumable homes
median 4.71% · $338,995
- 34759
50 assumable homes
median 6.58% · $274,950
- 34743
27 assumable homes
median 4.08% · $379,900
- 34741
25 assumable homes
median 4.10% · $340,000
- 34747
24 assumable homes
median 6.22% · $334,500
Run the Kissimmee numbers
What an assumable ratedoes to a Kissimmee payment.
The sliders start at the median Kissimmee assumable listing: $349,995 list price and a 4.98% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$120,000
34% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Kissimmee
$1,319/mo
New loan at 7.20%$1,561
Assumed at 5.00%
$1,319
Every month$243
Over five years$14,551
Interest you never pay$150,60526-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Kissimmee listing on UMe shows the actual balance, rate, and payment.
How it works in Kissimmee
How to assumea mortgage in Kissimmee.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Kissimmee home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kissimmee map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $117,705 in Kissimmee today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Kissimmee payment written in a different decade.
Kissimmee questions
Assuming a mortgagein Kissimmee.
The numbers below come from current Kissimmee inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kissimmee?
As of October 2026, UMe tracks 342 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 (271, median 4.98%) and VA (71, median 4.46%). 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?
The lowest rate on an active Kissimmee assumable listing is 2.39%, and the median across all 342 listings is 4.98%. 133 listings are under 4% and 174 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 $1,454 per month versus $1,989 for the same balance at today's rates, a difference of about $534 every month, or $6,412 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 $117,705 on a median list price of $349,995. 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 34744 (85), 34746 (79), 34758 (52), 34759 (50), and 34743 (27). 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.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Kissimmee.The rate is already on the house.
Every listing on the Kissimmee map has a rate you can take over. Start with the ones in Kissimmee, get pre-qualified in minutes, and let UMe carry the assumption to closing.