FHA
Active
29$200,000$72,794 down
- Rate
- 2.87%
6.95%today- Payment
- $591/mo
$943today
- 2beds
- 3baths
- 1,268sqft
Fleming Island, Florida
Assumable homes for salein Fleming Island, Florida.
1 home in Fleming Island carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.27%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fleming Island assumable market
by the numbers.
1active assumable listing
6.27%lowest locked rate
$575kmedian list price
$423saved per month vs. 7.2%
About the market
Assumable mortgagesin Fleming Island, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Fleming Island. Updated September 2026.
How assumptions work for buyersFleming Island, Florida has 1 home for sale with an assumable mortgage as of September 2026: 1 VA 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 Fleming Island assumable listings start at 6.27% with a median of 6.27%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Fleming Island lists for $575,000, with a median of $72,326 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 $3,123 a month versus $3,545 for the same balance at today's rate, roughly $423 kept every month and $5,075 a year. The most active Fleming Island ZIP codes are 32003 (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 Fleming Island assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fleming Island
View all 1 on the map Homes on the marketin Fleming Island.
VA
Active
52$370,000$121,093 down
- Rate
- 2.88%
6.95%today- Payment
- $1,154/mo
$1,841today
- 3beds
- 3baths
- 1,712sqft
609 CLAIRE Lane, Orange Park
FHA
Active
35$385,000$121,088 down
- Rate
- 2.94%
6.95%today- Payment
- $1,269/mo
$2,008today
- 4beds
- 2baths
- 1,786sqft
1365 SHOOTINGSTAR Lane, St Johns
FHA
Active
23$239,900Potential short sale
- Rate
- 4.50%
6.95%today- Payment
- $1,249/mo
$1,632today
- 2beds
- 3baths
- 1,160sqft
871 RIVERTREE Place, Middleburg
VA
Active
76$625,000$331,806 down
- Rate
- 2.86%
6.95%today- Payment
- $1,357/mo
$2,169today
- 4beds
- 3baths
- 2,747sqft
656 WYNDHAM Court, Orange Park
VA
Active
74$599,900$291,097 down
- Rate
- 3.03%
6.95%today- Payment
- $1,507/mo
$2,357today
- 4beds
- 4baths
- 2,781sqft
13 VERDURE Street, St Johns
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 Fleming Island.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.27%
- Median rate
- 6.27%
- Median list price
- $575,000
- Median cash to assume
- $72,326
Fleming Island listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Fleming Island listings by loan type
- VA1 homemedian 6.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fleming Island ZIP code.
Each ZIP opens the Fleming Island map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fleming Island numbers
What an assumable ratedoes to a Fleming Island payment.
The sliders start at the median Fleming Island assumable listing: $575,000 list price and a 6.27% 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)$70,000
12% 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 Fleming Island
$3,279/mo
New loan at 7.20%$3,428
Assumed at 6.25%
$3,279
Every month$149
Over five years$8,962
Interest you never pay$211,14026-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 Fleming Island listing on UMe shows the actual balance, rate, and payment.
How it works in Fleming Island
How to assumea mortgage in Fleming Island.
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 Fleming Island home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fleming Island 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 $72,326 in Fleming Island 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 Fleming Island payment written in a different decade.
Fleming Island questions
Assuming a mortgagein Fleming Island.
The numbers below come from current Fleming Island inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fleming Island?
As of September 2026, UMe tracks 1 active assumable listing in Fleming Island. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fleming Island?
Current Fleming Island inventory breaks down as VA (1, median 6.27%). 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 Fleming Island?
The lowest rate on an active Fleming Island assumable listing is 6.27%, and the median across all 1 listing is 6.27%. 0 listings are under 4% and 0 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 Fleming Island?
Across current Fleming Island listings, the median principal-and-interest payment on the assumable loan is $3,123 per month versus $3,545 for the same balance at today's rates, a difference of about $423 every month, or $5,075 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 Fleming Island?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fleming Island that gap is currently a median of $72,326 on a median list price of $575,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Fleming Island ZIP codes have the most assumable homes?
The Fleming Island ZIP codes with the most active assumable listings are 32003 (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 Fleming Island?
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 Fleming Island.The rate is already on the house.
Every listing on the Fleming Island map has a rate you can take over. Start with the ones in Fleming Island, get pre-qualified in minutes, and let UMe carry the assumption to closing.
