FHATop pick
Active
6$189,000Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $901/mo
$1,397today
- 3beds
- 2baths
- 1,070sqft
Deltona, Florida
Assumable homes for salein Deltona, Florida.
70 homes in Deltona carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.66%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Deltona assumable market
by the numbers.
70active assumable listings
2.66%lowest locked rate
$333kmedian list price
$599saved per month vs. 7.2%
About the market
Assumable mortgagesin Deltona, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Deltona. Updated September 2026.
How assumptions work for buyersDeltona, Florida has 70 homes for sale with an assumable mortgage as of September 2026: 53 FHA loans and 17 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 Deltona assumable listings start at 2.66% with a median of 4.17%; 31 listings are under 4% and 41 are under 5%.
The median assumable home in Deltona lists for $332,950, with a median of $131,651 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 $1,121 a month versus $1,720 for the same balance at today's rate, roughly $599 kept every month and $7,185 a year. The most active Deltona ZIP codes are 32725 (42) and 32738 (28).
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 Deltona assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Deltona
View all 70 on the map Homes on the marketin Deltona.
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
FHA
Active
27$227,000$30,162 down
- Rate
- 2.87%
6.95%today- Payment
- $916/mo
$1,462today
- 2beds
- 2baths
- 1,471sqft
424 HOGLE Avenue, Deland
VA
Active
22$370,000$53,667 down
- Rate
- 2.90%
6.95%today- Payment
- $1,470/mo
$2,338today
- 3beds
- 2baths
- 1,983sqft
958 COMPASS LANDING Drive, Orange City
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
VA
Active
43$399,999$111,049 down
- Rate
- 2.81%
6.95%today- Payment
- $1,351/mo
$2,174today
- 3beds
- 2baths
- 1,988sqft
832 JETWAY Street, Orange City
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 Deltona.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 70
- UMe Certified / verified
- 0
- Lowest rate
- 2.66%
- Median rate
- 4.17%
- Median list price
- $332,950
- Median cash to assume
- $131,651
Deltona listings by locked rate
- Under 4%31 homes
- 4% – 5%10 homes
- 5% – 6%2 homes
- 6% and up26 homes
Deltona listings by loan type
- FHA53 homesmedian 4.43%
- VA17 homesmedian 3.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Deltona ZIP code.
Each ZIP opens the Deltona map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Deltona numbers
What an assumable ratedoes to a Deltona payment.
The sliders start at the median Deltona assumable listing: $332,950 list price and a 4.17% 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)$135,000
40% 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 Deltona
$1,049/mo
New loan at 7.20%$1,358
Assumed at 4.15%
$1,049
Every month$309
Over five years$18,522
Interest you never pay$161,47626-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 Deltona listing on UMe shows the actual balance, rate, and payment.
How it works in Deltona
How to assumea mortgage in Deltona.
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 Deltona home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Deltona 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 $131,651 in Deltona 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 Deltona payment written in a different decade.
Deltona questions
Assuming a mortgagein Deltona.
The numbers below come from current Deltona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Deltona?
As of September 2026, UMe tracks 70 active assumable listings in Deltona. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Deltona?
Current Deltona inventory breaks down as FHA (53, median 4.43%) and VA (17, median 3.65%). 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 Deltona?
The lowest rate on an active Deltona assumable listing is 2.66%, and the median across all 70 listings is 4.17%. 31 listings are under 4% and 41 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 Deltona?
Across current Deltona listings, the median principal-and-interest payment on the assumable loan is $1,121 per month versus $1,720 for the same balance at today's rates, a difference of about $599 every month, or $7,185 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 Deltona?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Deltona that gap is currently a median of $131,651 on a median list price of $332,950. 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 Deltona ZIP codes have the most assumable homes?
The Deltona ZIP codes with the most active assumable listings are 32725 (42) and 32738 (28). 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 Deltona?
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 Deltona.The rate is already on the house.
Every listing on the Deltona map has a rate you can take over. Start with the ones in Deltona, get pre-qualified in minutes, and let UMe carry the assumption to closing.
