FHA
Active
31$285,900$68,780 down
- Rate
- 3.06%
6.95%today- Payment
- $1,039/mo
$1,618today
- 3beds
- 2baths
- 1,920sqft
Crescent City, Florida
Assumable homes for salein Crescent City, Florida.
1 home in Crescent City carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.89%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Crescent City assumable market
by the numbers.
1active assumable listing
2.89%lowest locked rate
$490kmedian list price
$692saved per month vs. 7.2%
About the market
Assumable mortgagesin Crescent City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Crescent City. Updated September 2026.
How assumptions work for buyersCrescent City, Florida has 1 home for sale with an assumable mortgage as of September 2026: 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 Crescent City assumable listings start at 2.89% with a median of 2.89%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Crescent City lists for $489,900, with a median of $277,325 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 $1,010 a month versus $1,702 for the same balance at today's rate, roughly $692 kept every month and $8,305 a year. The most active Crescent City ZIP codes are 32112 (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 Crescent City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Crescent City
View all 1 on the map Homes on the marketin Crescent City.
FHA
Active
45$489,900$278,822 down
- Rate
- 2.89%
6.95%today- Payment
- $1,010/mo
$1,608today
- 3beds
- 3baths
- 1,836sqft
640 UNION Avenue, Crescent City
FHA
Active
24$210,000$52,964 down
- Rate
- 5.30%
6.95%today- Payment
- $927/mo
$1,105today
- 3beds
- 2baths
- 1,431sqft
1013 FOREST PARK Street, Bunnell
FHA
Active
38$220,000$17,202 down
- Rate
- 7.07%
6.95%today- Payment
- $1,401/mo
$1,384today
- 3beds
- 2baths
- 1,728sqft
129 PATRICIAN Place, Satsuma
FHA
Active
28$229,000$44,742 down
- Rate
- 6.39%
6.95%today- Payment
- $1,196/mo
$1,267today
- 3beds
- 2baths
- 1,296sqft
231 TROPIC Avenue, Satsuma
FHA
Active
40$389,900$87,456 down
- Rate
- 6.99%
6.95%today- Payment
- $2,057/mo
$2,049today
- 3beds
- 2baths
- 1,248sqft
374 SISCO Road, Pomona Park
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 Crescent City.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.89%
- Median rate
- 2.89%
- Median list price
- $489,900
- Median cash to assume
- $277,325
Crescent City listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Crescent City listings by loan type
- FHA1 homemedian 2.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Crescent City ZIP code.
Each ZIP opens the Crescent City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Crescent City numbers
What an assumable ratedoes to a Crescent City payment.
The sliders start at the median Crescent City assumable listing: $489,900 list price and a 2.89% 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)$275,000
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 Crescent City
$982/mo
New loan at 7.20%$1,459
Assumed at 2.90%
$982
Every month$477
Over five years$28,642
Interest you never pay$218,98926-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 Crescent City listing on UMe shows the actual balance, rate, and payment.
How it works in Crescent City
How to assumea mortgage in Crescent City.
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 Crescent City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Crescent City 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 $277,325 in Crescent City 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 Crescent City payment written in a different decade.
Crescent City questions
Assuming a mortgagein Crescent City.
The numbers below come from current Crescent City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Crescent City?
As of September 2026, UMe tracks 1 active assumable listing in Crescent City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Crescent City?
Current Crescent City inventory breaks down as FHA (1, median 2.89%). 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 Crescent City?
The lowest rate on an active Crescent City assumable listing is 2.89%, and the median across all 1 listing is 2.89%. 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 Crescent City?
Across current Crescent City listings, the median principal-and-interest payment on the assumable loan is $1,010 per month versus $1,702 for the same balance at today's rates, a difference of about $692 every month, or $8,305 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 Crescent City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Crescent City that gap is currently a median of $277,325 on a median list price of $489,900. 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 Crescent City ZIP codes have the most assumable homes?
The Crescent City ZIP codes with the most active assumable listings are 32112 (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 Crescent City?
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 Crescent City.The rate is already on the house.
Every listing on the Crescent City map has a rate you can take over. Start with the ones in Crescent City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
