FHA
Active
34$310,000$68,965 down
- Rate
- 2.65%
6.95%today- Payment
- $1,107/mo
$1,819today
- 3beds
- 2baths
- 1,974sqft
Archer, Florida
Assumable homes for salein Archer, Florida.
4 homes in Archer carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Archer assumable market
by the numbers.
4active assumable listings
3.50%lowest locked rate
$321kmedian list price
$277saved per month vs. 7.2%
About the market
Assumable mortgagesin Archer, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Archer. Updated September 2026.
How assumptions work for buyersArcher, Florida has 4 homes for sale with an assumable mortgage as of September 2026: 3 VA loans and 1 FHA 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 Archer assumable listings start at 3.50% with a median of 4.01%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Archer lists for $321,250, with a median of $248,402 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 $839 a month versus $1,115 for the same balance at today's rate, roughly $277 kept every month and $3,318 a year. The most active Archer ZIP codes are 32618 (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 Archer assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Archer
View all 4 on the map Homes on the marketin Archer.
VA
Active
68$550,000$136,984 down
- Rate
- 3.17%
6.95%today- Payment
- $2,009/mo
$3,086today
- 5beds
- 4baths
- 3,042sqft
7585 79TH Drive, Gainesville
VA
Active
35$740,000$254,990 down
- Rate
- 2.77%
6.95%today- Payment
- $2,258/mo
$3,652today
- 4beds
- 4baths
- 2,662sqft
4236 91ST Drive, Gainesville
VA
Active
54$985,000$592,219 down
- Rate
- 2.19%
6.95%today- Payment
- $3,568/mo
$4,901today
- 5beds
- 5baths
- 3,890sqft
9627 40TH Lane, Gainesville
VA
Active
19$139,900$121,954 down
- Rate
- 2.31%
6.95%today- Payment
- $3,610/mo
$4,042today
- 2beds
- 2baths
- 800sqft
2905 ARCHER Road #S4024, Gainesville
VA
Active
80$999,000$408,602 down
- Rate
- 2.65%
6.95%today- Payment
- $2,726/mo
$4,477today
- 5beds
- 4baths
- 3,853sqft
1326 90TH Street, Gainesville
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 Archer.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.50%
- Median rate
- 4.01%
- Median list price
- $321,250
- Median cash to assume
- $248,402
Archer listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Archer listings by loan type
- VA3 homesmedian 4.29%
- FHA1 homemedian 3.73%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Archer ZIP code.
Each ZIP opens the Archer map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Archer numbers
What an assumable ratedoes to an Archer payment.
The sliders start at the median Archer assumable listing: $321,250 list price and a 4.01% 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)$245,000
77% 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 Archer
$387/mo
New loan at 7.20%$509
Assumed at 4.00%
$387
Every month$122
Over five years$7,323
Interest you never pay$62,51726-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 Archer listing on UMe shows the actual balance, rate, and payment.
How it works in Archer
How to assumea mortgage in Archer.
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 Archer home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Archer 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 $248,402 in Archer 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 Archer payment written in a different decade.
Archer questions
Assuming a mortgagein Archer.
The numbers below come from current Archer inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Archer?
As of September 2026, UMe tracks 4 active assumable listings in Archer. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Archer?
Current Archer inventory breaks down as VA (3, median 4.29%) and FHA (1, median 3.73%). 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 Archer?
The lowest rate on an active Archer assumable listing is 3.50%, and the median across all 4 listings is 4.01%. 2 listings are under 4% and 3 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 Archer?
Across current Archer listings, the median principal-and-interest payment on the assumable loan is $839 per month versus $1,115 for the same balance at today's rates, a difference of about $277 every month, or $3,318 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 Archer?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Archer that gap is currently a median of $248,402 on a median list price of $321,250. 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 Archer ZIP codes have the most assumable homes?
The Archer ZIP codes with the most active assumable listings are 32618 (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 Archer?
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 Archer.The rate is already on the house.
Every listing on the Archer map has a rate you can take over. Start with the ones in Archer, get pre-qualified in minutes, and let UMe carry the assumption to closing.
