Assumable homes for salein Florida.

As of September 2026, UMe tracks 5,409 active assumable listings in Florida. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.

Current Florida inventory breaks down as FHA (3,489, median 5.81%) and VA (1,920, median 4.42%). 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.

The lowest rate on an active Florida assumable listing is 2.15%, and the median across all 5,409 listings is 5.30%. 1,998 listings are under 4% and 2,509 are under 5%, compared with roughly 7.2% for a new 30-year loan today.

Across current Florida listings, the median principal-and-interest payment on the assumable loan is $1,455 per month versus $1,960 for the same balance at today's rates, a difference of about $505 every month, or $6,064 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.

When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Florida that gap is currently a median of $119,962 on a median list price of $355,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.

The deepest assumable inventory in Florida is in Orlando (312), Tampa (282), Kissimmee (276), Ocala (224), and Davenport (172). Each city has its own page with live counts, rates, and neighborhoods, and the Florida map lets you search the whole state at once.

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.