3.89% FHA
$299,900
$1,513/mo
4531 TREASURE CAY Road
Tavares, FL
3 bd2 ba1,649 sqft
Okahumpka, Florida
Keep the rate.
Buy the home in Okahumpka.
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 Okahumpka.
Avg. assumable rate
3.22%
vs 7.2% market
$590/mo saved
Average locked rate
3.22%
Across 6 assumable listings
Typical monthly savings
$590
On a $300,633 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 Okahumpka
Homes with a rate worth keeping
3.45% FHA
$345,000
$1,512/mo
4450 ABACO Drive
Tavares, FL
4 bd2 ba2,158 sqft
2.74% VA
$290,000
$984/mo
5825 PRINCESS CAROLINE Place
Leesburg, FL
3 bd2 ba2,023 sqft
2.84% VA
$353,900
$1,263/mo
7830 SLOEWOOD Drive
Leesburg, FL
4 bd2 ba1,941 sqft
2.84% FHA
$295,000
$1,184/mo
115 CRESCENT MOON Drive
Groveland, FL
3 bd2 ba1,856 sqft
3.56% FHA
$220,000
$911/mo
1405 PEMBROOK Drive
Leesburg, FL
3 bd2 ba1,073 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 Okahumpka.
A 7.2% new loan against an assumable one at 3.22%, same balance, 30 years.
You keep every month
$589/mo
Over a year$7,063
Monthly payment, side by side
7.2% vs 3.22%
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 Okahumpka
Numbers below come from current Okahumpka inventory and update as listings change.
- Are there assumable homes for sale in Okahumpka?
- As of September 2026, there are no verified assumable listings in Okahumpka. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Okahumpka.
- What types of loans can be assumed in Okahumpka?
- 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 Okahumpka?
- 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 Okahumpka.
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.
