FHATop pick
Active
6$189,000Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $901/mo
$1,397today
- 3beds
- 2baths
- 1,070sqft
Casselberry, Florida
Assumable homes for salein Casselberry, Florida.
17 homes in Casselberry carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Casselberry assumable market
by the numbers.
17active assumable listings
2.88%lowest locked rate
$420kmedian list price
$699saved per month vs. 7.2%
About the market
Assumable mortgagesin Casselberry, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Casselberry. Updated September 2026.
How assumptions work for buyersCasselberry, Florida has 17 homes for sale with an assumable mortgage as of September 2026: 9 FHA loans and 8 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 Casselberry assumable listings start at 2.88% with a median of 4.72%; 7 listings are under 4% and 9 are under 5%.
The median assumable home in Casselberry lists for $419,500, with a median of $151,485 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 $1,747 a month versus $2,446 for the same balance at today's rate, roughly $699 kept every month and $8,393 a year. The most active Casselberry ZIP codes are 32707 (16) and 32730 (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 Casselberry assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Casselberry
View all 17 on the map Homes on the marketin Casselberry.
VATop pick
Active
30$119,900$10,440 down
- Rate
- 2.81%
6.95%today- Payment
- $514/mo
$827today
- 3beds
- 3baths
- 1,416sqft
532 ORANGE Drive #22, Altamonte Springs
VA
Active
32$409,900$72,285 down
- Rate
- 2.86%
6.95%today- Payment
- $1,566/mo
$2,503today
- 4beds
- 3baths
- 2,264sqft
1513 OBERLIN Terrace, Lake Mary
VA
Active
40$500,000$34,908 down
- Rate
- 3.45%
6.95%today- Payment
- $2,278/mo
$3,379today
- 4beds
- 3baths
- 2,593sqft
2563 WALNUT HEIGHTS Road, Apopka
VA
Active
40$340,000$99,877 down
- Rate
- 2.73%
6.95%today- Payment
- $1,116/mo
$1,814today
- 3beds
- 3baths
- 1,743sqft
986 GRAND WILDMERE Cove, Longwood
FHA
Active
15$235,000$68,926 down
- Rate
- 2.73%
6.95%today- Payment
- $772/mo
$1,254today
- 3beds
- 2baths
- 1,199sqft
2617 LAUREL Avenue, Sanford
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 Casselberry.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 4.72%
- Median list price
- $419,500
- Median cash to assume
- $151,485
Casselberry listings by locked rate
- Under 4%7 homes
- 4% – 5%2 homes
- 5% – 6%2 homes
- 6% and up6 homes
Casselberry listings by loan type
- FHA9 homesmedian 4.72%
- VA8 homesmedian 4.61%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Casselberry ZIP code.
Each ZIP opens the Casselberry map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Casselberry numbers
What an assumable ratedoes to a Casselberry payment.
The sliders start at the median Casselberry assumable listing: $419,500 list price and a 4.72% 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)$150,000
36% 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 Casselberry
$1,501/mo
New loan at 7.20%$1,833
Assumed at 4.70%
$1,501
Every month$332
Over five years$19,920
Interest you never pay$191,55326-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 Casselberry listing on UMe shows the actual balance, rate, and payment.
How it works in Casselberry
How to assumea mortgage in Casselberry.
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 Casselberry home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Casselberry 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 $151,485 in Casselberry 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 Casselberry payment written in a different decade.
Casselberry questions
Assuming a mortgagein Casselberry.
The numbers below come from current Casselberry inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Casselberry?
As of September 2026, UMe tracks 17 active assumable listings in Casselberry. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Casselberry?
Current Casselberry inventory breaks down as FHA (9, median 4.72%) and VA (8, median 4.61%). 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 Casselberry?
The lowest rate on an active Casselberry assumable listing is 2.88%, and the median across all 17 listings is 4.72%. 7 listings are under 4% and 9 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 Casselberry?
Across current Casselberry listings, the median principal-and-interest payment on the assumable loan is $1,747 per month versus $2,446 for the same balance at today's rates, a difference of about $699 every month, or $8,393 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 Casselberry?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Casselberry that gap is currently a median of $151,485 on a median list price of $419,500. 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 Casselberry ZIP codes have the most assumable homes?
The Casselberry ZIP codes with the most active assumable listings are 32707 (16) and 32730 (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 Casselberry?
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 Casselberry.The rate is already on the house.
Every listing on the Casselberry map has a rate you can take over. Start with the ones in Casselberry, get pre-qualified in minutes, and let UMe carry the assumption to closing.
