VA
Active
55$335,000$93,911 down
- Rate
- 2.65%
6.95%today- Payment
- $1,113/mo
$1,828today
- 3beds
- 2baths
- 1,760sqft
Edgewater, Florida
Assumable homes for salein Edgewater, Florida.
12 homes in Edgewater carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Edgewater assumable market
by the numbers.
12active assumable listings
2.81%lowest locked rate
$302kmedian list price
$210saved per month vs. 7.2%
About the market
Assumable mortgagesin Edgewater, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Edgewater. Updated September 2026.
How assumptions work for buyersEdgewater, Florida has 12 homes for sale with an assumable mortgage as of September 2026: 8 FHA loans and 4 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 Edgewater assumable listings start at 2.81% with a median of 6.04%; 4 listings are under 4% and 5 are under 5%.
The median assumable home in Edgewater lists for $302,450, with a median of $96,428 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 $1,653 a month versus $1,863 for the same balance at today's rate, roughly $210 kept every month and $2,526 a year. The most active Edgewater ZIP codes are 32141 (11) and 32132 (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 Edgewater assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Edgewater
View all 12 on the map Homes on the marketin Edgewater.
VA
Active
54$874,900$41,689 down
- Rate
- 3.75%
6.95%today- Payment
- $4,201/mo
$6,004today
- 3beds
- 3baths
- 2,190sqft
4767 ATLANTIC Avenue #402, Ponce Inlet
VA
Active
50$525,000$98,369 down
- Rate
- 3.85%
6.95%today- Payment
- $2,178/mo
$3,076today
- 4beds
- 4baths
- 2,651sqft
6239 WOODHAVEN VILLAGE Drive, Port Orange
FHA
Active
34$339,000$101,677 down
- Rate
- 2.78%
6.95%today- Payment
- $1,117/mo
$1,804today
- 3beds
- 2baths
- 1,610sqft
3118 BORASSUS Drive, New Smyrna Beach
FHA
Active
22$355,000$120,337 down
- Rate
- 2.90%
6.95%today- Payment
- $1,124/mo
$1,787today
- 4beds
- 2baths
- 1,889sqft
2858 NEVERLAND Drive, New Smyrna Beach
FHA
Active
13$215,000$9,204 down
- Rate
- 4.22%
6.95%today- Payment
- $1,963/mo
$2,343today
- 3beds
- 2baths
- 1,536sqft
748 MERRIMAC Drive, Port Orange
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 Edgewater.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 12
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 6.04%
- Median list price
- $302,450
- Median cash to assume
- $96,428
Edgewater listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up6 homes
Edgewater listings by loan type
- FHA8 homesmedian 4.45%
- VA4 homesmedian 6.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Edgewater ZIP code.
Each ZIP opens the Edgewater map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Edgewater numbers
What an assumable ratedoes to an Edgewater payment.
The sliders start at the median Edgewater assumable listing: $302,450 list price and a 6.04% 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)$95,000
32% 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 Edgewater
$1,305/mo
New loan at 7.20%$1,392
Assumed at 6.05%
$1,305
Every month$86
Over five years$5,168
Interest you never pay$93,66826-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 Edgewater listing on UMe shows the actual balance, rate, and payment.
How it works in Edgewater
How to assumea mortgage in Edgewater.
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 an Edgewater home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Edgewater 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 $96,428 in Edgewater 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 an Edgewater payment written in a different decade.
Edgewater questions
Assuming a mortgagein Edgewater.
The numbers below come from current Edgewater inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Edgewater?
As of September 2026, UMe tracks 12 active assumable listings in Edgewater. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Edgewater?
Current Edgewater inventory breaks down as FHA (8, median 4.45%) and VA (4, median 6.67%). 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 Edgewater?
The lowest rate on an active Edgewater assumable listing is 2.81%, and the median across all 12 listings is 6.04%. 4 listings are under 4% and 5 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 Edgewater?
Across current Edgewater listings, the median principal-and-interest payment on the assumable loan is $1,653 per month versus $1,863 for the same balance at today's rates, a difference of about $210 every month, or $2,526 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 Edgewater?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Edgewater that gap is currently a median of $96,428 on a median list price of $302,450. 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 Edgewater ZIP codes have the most assumable homes?
The Edgewater ZIP codes with the most active assumable listings are 32141 (11) and 32132 (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 Edgewater?
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 Edgewater.The rate is already on the house.
Every listing on the Edgewater map has a rate you can take over. Start with the ones in Edgewater, get pre-qualified in minutes, and let UMe carry the assumption to closing.
