VA
Active
19$284,900$30,310 down
- Rate
- 3.45%
6.95%today- Payment
- $1,250/mo
$1,853today
- 2beds
- 2baths
- 1,186sqft
Fruitland Park, Florida
Assumable homes for salein Fruitland Park, Florida.
6 homes in Fruitland Park carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.93%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fruitland Park assumable market
by the numbers.
6active assumable listings
2.93%lowest locked rate
$462kmedian list price
$174saved per month vs. 7.2%
About the market
Assumable mortgagesin Fruitland Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Fruitland Park. Updated September 2026.
How assumptions work for buyersFruitland Park, Florida has 6 homes for sale with an assumable mortgage as of September 2026: 3 FHA loans and 3 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 Fruitland Park assumable listings start at 2.93% with a median of 3.63%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Fruitland Park lists for $462,450, with a median of $210,463 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 $2,370 a month versus $2,545 for the same balance at today's rate, roughly $174 kept every month and $2,092 a year. The most active Fruitland Park ZIP codes are 34731 (6).
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 Fruitland Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fruitland Park
View all 6 on the map Homes on the marketin Fruitland Park.
FHA
Active
61$299,900$5,496 down
- Rate
- 3.89%
6.95%today- Payment
- $1,513/mo
$2,125today
- 3beds
- 2baths
- 1,649sqft
4531 TREASURE CAY Road, Tavares
VA
Active
42$353,900$80,992 down
- Rate
- 2.84%
6.95%today- Payment
- $1,263/mo
$2,024today
- 4beds
- 2baths
- 1,941sqft
7830 SLOEWOOD Drive, Leesburg
FHA
Active
35$285,900$74,130 down
- Rate
- 3.04%
6.95%today- Payment
- $1,013/mo
$1,583today
- 3beds
- 2baths
- 1,858sqft
4617 MANOR VIEW Drive, Leesburg
FHA
Active
22$245,000$56,219 down
- Rate
- 3.06%
6.95%today- Payment
- $903/mo
$1,407today
- 3beds
- 2baths
- 2,075sqft
4322 CASAURINA Road, Lady Lake
FHA
Active
37$214,990$31,667 down
- Rate
- 3.56%
6.95%today- Payment
- $911/mo
$1,332today
- 3beds
- 2baths
- 1,073sqft
1405 PEMBROOK Drive, Leesburg
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 Fruitland Park.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 2.93%
- Median rate
- 3.63%
- Median list price
- $462,450
- Median cash to assume
- $210,463
Fruitland Park listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Fruitland Park listings by loan type
- FHA3 homesmedian 3.50%
- VA3 homesmedian 3.76%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fruitland Park ZIP code.
Each ZIP opens the Fruitland Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fruitland Park numbers
What an assumable ratedoes to a Fruitland Park payment.
The sliders start at the median Fruitland Park assumable listing: $462,450 list price and a 3.63% 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)$210,000
46% 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 Fruitland Park
$1,242/mo
New loan at 7.20%$1,697
Assumed at 3.65%
$1,242
Every month$455
Over five years$27,306
Interest you never pay$223,44526-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 Fruitland Park listing on UMe shows the actual balance, rate, and payment.
How it works in Fruitland Park
How to assumea mortgage in Fruitland Park.
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 Fruitland Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fruitland Park 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 $210,463 in Fruitland Park 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 Fruitland Park payment written in a different decade.
Fruitland Park questions
Assuming a mortgagein Fruitland Park.
The numbers below come from current Fruitland Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fruitland Park?
As of September 2026, UMe tracks 6 active assumable listings in Fruitland Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fruitland Park?
Current Fruitland Park inventory breaks down as FHA (3, median 3.50%) and VA (3, median 3.76%). 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 Fruitland Park?
The lowest rate on an active Fruitland Park assumable listing is 2.93%, and the median across all 6 listings is 3.63%. 4 listings are under 4% and 4 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 Fruitland Park?
Across current Fruitland Park listings, the median principal-and-interest payment on the assumable loan is $2,370 per month versus $2,545 for the same balance at today's rates, a difference of about $174 every month, or $2,092 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 Fruitland Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fruitland Park that gap is currently a median of $210,463 on a median list price of $462,450. 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 Fruitland Park ZIP codes have the most assumable homes?
The Fruitland Park ZIP codes with the most active assumable listings are 34731 (6). 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 Fruitland Park?
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 Fruitland Park.The rate is already on the house.
Every listing on the Fruitland Park map has a rate you can take over. Start with the ones in Fruitland Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
