FHA
Active
26$311,000$109,772 down
- Rate
- 2.87%
6.95%today- Payment
- $934/mo
$1,492today
- 3beds
- 2baths
- 1,321sqft
Arcadia, Florida
Assumable homes for salein Arcadia, Florida.
17 homes in Arcadia carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arcadia assumable market
by the numbers.
17active assumable listings
2.87%lowest locked rate
$311kmedian list price
$369saved per month vs. 7.2%
About the market
Assumable mortgagesin Arcadia, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Arcadia. Updated September 2026.
How assumptions work for buyersArcadia, Florida has 17 homes for sale with an assumable mortgage as of September 2026: 13 FHA loans and 4 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 Arcadia assumable listings start at 2.87% with a median of 4.04%; 8 listings are under 4% and 10 are under 5%.
The median assumable home in Arcadia lists for $311,000, with a median of $174,777 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 $1,249 a month versus $1,617 for the same balance at today's rate, roughly $369 kept every month and $4,423 a year. The most active Arcadia ZIP codes are 34266 (13) and 34269 (4).
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 Arcadia assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Arcadia
View all 17 on the map Homes on the marketin Arcadia.
VA
Active
50$569,000$273,787 down
- Rate
- 2.93%
6.95%today- Payment
- $1,389/mo
$2,201today
- 3beds
- 2baths
- 1,680sqft
4806 COUNTY ROAD 769, Arcadia
VA
Active
89$875,000$825,967 down
- Rate
- 2.95%
6.95%today- Payment
- $232/mo
$366today
- 3beds
- 3baths
- 2,691sqft
9990 COUNTY ROAD 769, Arcadia
FHA
Active
76$485,000$197,783 down
- Rate
- 2.96%
6.95%today- Payment
- $1,359/mo
$2,145today
- 3beds
- 2baths
- 1,719sqft
4875 APACHE Drive, Arcadia
VA
Active
47$405,000$71,433 down
- Rate
- 4.67%
6.95%today- Payment
- $1,861/mo
$2,383today
- 3beds
- 3baths
- 2,719sqft
1508 ARCADIA Avenue, Arcadia
FHA
Active
64$519,000$347,819 down
- Rate
- 3.44%
6.95%today- Payment
- $985/mo
$1,462today
- 3beds
- 3baths
- 2,292sqft
8360 EASY Street, Arcadia
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 Arcadia.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 4.04%
- Median list price
- $311,000
- Median cash to assume
- $174,777
Arcadia listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%4 homes
- 6% and up3 homes
Arcadia listings by loan type
- FHA13 homesmedian 4.04%
- VA4 homesmedian 3.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Arcadia ZIP code.
Each ZIP opens the Arcadia map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Arcadia numbers
What an assumable ratedoes to an Arcadia payment.
The sliders start at the median Arcadia assumable listing: $311,000 list price and a 4.04% 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)$175,000
56% 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 Arcadia
$700/mo
New loan at 7.20%$916
Assumed at 4.05%
$700
Every month$216
Over five years$12,956
Interest you never pay$111,35626-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 Arcadia listing on UMe shows the actual balance, rate, and payment.
How it works in Arcadia
How to assumea mortgage in Arcadia.
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 an Arcadia home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arcadia 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 $174,777 in Arcadia 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 an Arcadia payment written in a different decade.
Arcadia questions
Assuming a mortgagein Arcadia.
The numbers below come from current Arcadia inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arcadia?
As of September 2026, UMe tracks 17 active assumable listings in Arcadia. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Arcadia?
Current Arcadia inventory breaks down as FHA (13, median 4.04%) and VA (4, median 3.81%). 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 Arcadia?
The lowest rate on an active Arcadia assumable listing is 2.87%, and the median across all 17 listings is 4.04%. 8 listings are under 4% and 10 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 Arcadia?
Across current Arcadia listings, the median principal-and-interest payment on the assumable loan is $1,249 per month versus $1,617 for the same balance at today's rates, a difference of about $369 every month, or $4,423 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 Arcadia?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arcadia that gap is currently a median of $174,777 on a median list price of $311,000. 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 Arcadia ZIP codes have the most assumable homes?
The Arcadia ZIP codes with the most active assumable listings are 34266 (13) and 34269 (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 Arcadia?
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 Arcadia.The rate is already on the house.
Every listing on the Arcadia map has a rate you can take over. Start with the ones in Arcadia, get pre-qualified in minutes, and let UMe carry the assumption to closing.
