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Laurel Hill, Florida

Assumable homes for salein Laurel Hill, Florida.

1 home in Laurel Hill carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.28%. Assume the seller’s mortgage instead of financing at today’s 7.2%.

Browse 1 Laurel Hill listings Get pre-qualified

Live MLS data · Updated

Laurel Hill assumable market
by the numbers.

1active assumable listing
6.28%lowest locked rate
$150kmedian list price
$202saved per month vs. 7.2%
About the market

Assumable mortgagesin Laurel Hill, explained.

Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Laurel Hill. Updated October 2026.

How assumptions work for buyers

Laurel Hill, Florida has 1 home for sale with an assumable mortgage as of October 2026: 1 VA loan 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 Laurel Hill assumable listings start at 6.28% with a median of 6.28%; 0 listings are under 4% and 0 are under 5%.

The median assumable home in Laurel Hill lists for $150,000. At the median assumable rate the principal-and-interest payment is about $1,507 a month versus $1,709 for the same balance at today's rate, roughly $202 kept every month and $2,428 a year. The most active Laurel Hill ZIP codes are 32567 (1).

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 Laurel Hill assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.

Verified in Laurel Hill

Homes on the marketin Laurel Hill.

View all 1 on the map
8175 SHOOTER Lane, Laurel Hill, FL, 32567 — assumable VA mortgage at 6.28%
VA
Active
22
$150,000Potential short sale
Rate
6.28%
7.32%today
Payment
$1,507/mo
$1,676today
  • 3beds
  • 2baths
  • 1,438sqft

8175 SHOOTER Lane, Laurel Hill

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 Laurel Hill.

Live counts from the MLS feeds we index for Florida. Updated October 2026.

Active listings
1
UMe Certified / verified
0
Lowest rate
6.28%
Median rate
6.28%
Median list price
$150,000

Laurel Hill listings by locked rate

  1. Under 4%0 homes
  2. 4% – 5%0 homes
  3. 5% – 6%0 homes
  4. 6% and up1 home

Laurel Hill listings by loan type

  • VA1 homemedian 6.28%

FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.

By neighborhood

Assumable homesby Laurel Hill ZIP code.

Each ZIP opens the Laurel Hill map zoomed to its listings, in assumptions mode, with rate and payment filters ready.

Run the Laurel Hill numbers

What an assumable ratedoes to a Laurel Hill payment.

The sliders start at the median Laurel Hill assumable listing: $150,000 list price and a 6.28% 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.

$150,000
$120,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

6.30%
26 yrs
Cash to assume (seller’s equity)$30,000

20% 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 Laurel Hill
$783/mo
New loan at 7.20%
$815
Assumed at 6.30%
$783
Every month$32
Over five years$1,904
Interest you never pay$49,00126-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 Laurel Hill listing on UMe shows the actual balance, rate, and payment.

Browse Laurel Hill listings See what you qualify for
How it works in Laurel Hill

How to assumea mortgage in Laurel Hill.

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
  1. 01

    Find a Laurel Hill home with a locked rate.

    Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Laurel Hill map by existing rate, monthly payment, or cash to assume instead of by list price alone.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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 Laurel Hill payment written in a different decade.

Laurel Hill questions

Assuming a mortgagein Laurel Hill.

The numbers below come from current Laurel Hill inventory and update as listings change.

All assumption FAQs

How many assumable homes are for sale in Laurel Hill?

As of October 2026, UMe tracks 1 active assumable listing in Laurel Hill. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.

What types of assumable loans are available in Laurel Hill?

Current Laurel Hill inventory breaks down as VA (1, median 6.28%). 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 Laurel Hill?

The lowest rate on an active Laurel Hill assumable listing is 6.28%, and the median across all 1 listing is 6.28%. 0 listings are under 4% and 0 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 Laurel Hill?

Across current Laurel Hill listings, the median principal-and-interest payment on the assumable loan is $1,507 per month versus $1,709 for the same balance at today's rates, a difference of about $202 every month, or $2,428 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.

Which Laurel Hill ZIP codes have the most assumable homes?

The Laurel Hill ZIP codes with the most active assumable listings are 32567 (1). 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 Laurel Hill?

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.

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Ready when you are

Stop overpaying for Laurel Hill.The rate is already on the house.

Every listing on the Laurel Hill map has a rate you can take over. Start with the ones in Laurel Hill, get pre-qualified in minutes, and let UMe carry the assumption to closing.

Browse Laurel Hill homes Talk to an assumption expert Selling a low rate? List it