VATop pick
Active
26$300,000$15,597 down
- Rate
- 2.96%
6.95%today- Payment
- $1,343/mo
$2,119today
- 3beds
- 3baths
- 1,776sqft
Celebration, Florida
Assumable homes for salein Celebration, Florida.
2 homes in Celebration carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Celebration assumable market
by the numbers.
2active assumable listings
2.80%lowest locked rate
$768kmedian list price
$953saved per month vs. 7.2%
About the market
Assumable mortgagesin Celebration, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Celebration. Updated September 2026.
How assumptions work for buyersCelebration, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 2 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 Celebration assumable listings start at 2.80% with a median of 4.58%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Celebration lists for $767,500, with a median of $227,777 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 $3,060 a month versus $4,013 for the same balance at today's rate, roughly $953 kept every month and $11,441 a year. The most active Celebration ZIP codes are 34747 (2).
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 Celebration assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Celebration
View all 2 on the map Homes on the marketin Celebration.
FHATop pick
Active
22$269,900$26,050 down
- Rate
- 2.98%
6.95%today- Payment
- $1,156/mo
$1,820today
- 4beds
- 2baths
- 1,823sqft
364 GUADLUPE Street, Haines City
VATop pick
Active
8$449,999$22,199 down
- Rate
- 3.11%
6.95%today- Payment
- $2,027/mo
$3,138today
- 5beds
- 5baths
- 2,709sqft
8027 ACADIA ESTATES Court, Kissimmee
FHA
Active
28$350,000$67,512 down
- Rate
- 2.80%
6.95%today- Payment
- $1,307/mo
$2,106today
- 4beds
- 3baths
- 1,978sqft
1282 CITRUS LANDINGS Boulevard, Davenport
FHA
Active
46$324,900$53,700 down
- Rate
- 2.87%
6.95%today- Payment
- $1,262/mo
$2,015today
- 4beds
- 2baths
- 1,600sqft
490 DISA Drive, Davenport
VA
Active
48$460,000$72,579 down
- Rate
- 2.90%
6.95%today- Payment
- $1,825/mo
$2,903today
- 4beds
- 3baths
- 2,724sqft
3817 GOLDEN FEATHER Way, Kissimmee
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 Celebration.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 4.58%
- Median list price
- $767,500
- Median cash to assume
- $227,777
Celebration listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Celebration listings by loan type
- VA2 homesmedian 4.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Celebration ZIP code.
Each ZIP opens the Celebration map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Celebration numbers
What an assumable ratedoes to a Celebration payment.
The sliders start at the median Celebration assumable listing: $767,500 list price and a 4.58% 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)$230,000
30% 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 Celebration
$2,970/mo
New loan at 7.20%$3,665
Assumed at 4.60%
$2,970
Every month$695
Over five years$41,711
Interest you never pay$392,84026-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 Celebration listing on UMe shows the actual balance, rate, and payment.
How it works in Celebration
How to assumea mortgage in Celebration.
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 Celebration home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Celebration 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 $227,777 in Celebration 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 Celebration payment written in a different decade.
Celebration questions
Assuming a mortgagein Celebration.
The numbers below come from current Celebration inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Celebration?
As of September 2026, UMe tracks 2 active assumable listings in Celebration. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Celebration?
Current Celebration inventory breaks down as VA (2, median 4.58%). 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 Celebration?
The lowest rate on an active Celebration assumable listing is 2.80%, and the median across all 2 listings is 4.58%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Celebration?
Across current Celebration listings, the median principal-and-interest payment on the assumable loan is $3,060 per month versus $4,013 for the same balance at today's rates, a difference of about $953 every month, or $11,441 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 Celebration?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Celebration that gap is currently a median of $227,777 on a median list price of $767,500. 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 Celebration ZIP codes have the most assumable homes?
The Celebration ZIP codes with the most active assumable listings are 34747 (2). 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 Celebration?
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 Celebration.The rate is already on the house.
Every listing on the Celebration map has a rate you can take over. Start with the ones in Celebration, get pre-qualified in minutes, and let UMe carry the assumption to closing.
