VATop pick
Active
11$149,000Potential short sale
- Rate
- 2.84%
6.95%today- Payment
- $723/mo
$1,159today
- 2beds
- 2baths
- 1,517sqft
Citrus Springs, Florida
Assumable homes for salein Citrus Springs, Florida.
4 homes in Citrus Springs carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.49%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Citrus Springs assumable market
by the numbers.
4active assumable listings
3.49%lowest locked rate
$354kmedian list price
$66saved per month vs. 7.2%
About the market
Assumable mortgagesin Citrus Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Citrus Springs. Updated September 2026.
How assumptions work for buyersCitrus Springs, Florida has 4 homes for sale with an assumable mortgage as of September 2026: 4 FHA 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 Citrus Springs assumable listings start at 3.49% with a median of 6.57%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Citrus Springs lists for $354,400, with a median of $87,141 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 $1,549 a month versus $1,615 for the same balance at today's rate, roughly $66 kept every month and $795 a year. The most active Citrus Springs ZIP codes are 34434 (3) and 34433 (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 Citrus Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Citrus Springs
View all 4 on the map Homes on the marketin Citrus Springs.
FHA
Active
25$349,900$51,819 down
- Rate
- 2.88%
6.95%today- Payment
- $1,386/mo
$2,209today
- 3beds
- 2baths
- 1,660sqft
4353 PINE RIDGE Boulevard, Beverly Hills
VA
Active
53$325,000$92,743 down
- Rate
- 3.05%
6.95%today- Payment
- $1,107/mo
$1,728today
- 4beds
- 3baths
- 2,382sqft
483 RUNYON Loop, Beverly Hills
FHA
Active
13$99,990$24,839 down
- Rate
- 3.10%
6.95%today- Payment
- $356/mo
$552today
- 2beds
- 1baths
- 644sqft
10760 198TH Terrace, Dunnellon
VA
Active
48$164,900$35,895 down
- Rate
- 3.12%
6.95%today- Payment
- $613/mo
$948today
- 2beds
- 1baths
- 686sqft
4511 BAHIA Lane, Hernando
VA
Active
37$179,900$64,855 down
- Rate
- 2.25%
6.95%today- Payment
- $501/mo
$867today
- 2beds
- 1baths
- 943sqft
11879 137TH Loop, Dunnellon
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 Citrus Springs.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.49%
- Median rate
- 6.57%
- Median list price
- $354,400
- Median cash to assume
- $87,141
Citrus Springs listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up3 homes
Citrus Springs listings by loan type
- FHA4 homesmedian 6.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Citrus Springs ZIP code.
Each ZIP opens the Citrus Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Citrus Springs numbers
What an assumable ratedoes to a Citrus Springs payment.
The sliders start at the median Citrus Springs assumable listing: $354,400 list price and a 6.57% 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)$90,000
25% 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 Citrus Springs
$1,770/mo
New loan at 7.20%$1,799
Assumed at 6.55%
$1,770
Every month$28
Over five years$1,703
Interest you never pay$95,19626-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 Citrus Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Citrus Springs
How to assumea mortgage in Citrus Springs.
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 Citrus Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Citrus Springs 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 $87,141 in Citrus Springs 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 Citrus Springs payment written in a different decade.
Citrus Springs questions
Assuming a mortgagein Citrus Springs.
The numbers below come from current Citrus Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Citrus Springs?
As of September 2026, UMe tracks 4 active assumable listings in Citrus Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Citrus Springs?
Current Citrus Springs inventory breaks down as FHA (4, median 6.57%). 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 Citrus Springs?
The lowest rate on an active Citrus Springs assumable listing is 3.49%, and the median across all 4 listings is 6.57%. 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 Citrus Springs?
Across current Citrus Springs listings, the median principal-and-interest payment on the assumable loan is $1,549 per month versus $1,615 for the same balance at today's rates, a difference of about $66 every month, or $795 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 Citrus Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Citrus Springs that gap is currently a median of $87,141 on a median list price of $354,400. 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 Citrus Springs ZIP codes have the most assumable homes?
The Citrus Springs ZIP codes with the most active assumable listings are 34434 (3) and 34433 (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 Citrus Springs?
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 Citrus Springs.The rate is already on the house.
Every listing on the Citrus Springs map has a rate you can take over. Start with the ones in Citrus Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
