VATop pick
Active
46$819,000Potential short sale
- Rate
- 3.00%
6.95%today- Payment
- $3,766/mo
$5,913today
- 4beds
- 4baths
- 2,860sqft
Harmony, Florida
Assumable homes for salein Harmony, Florida.
13 homes in Harmony carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Harmony assumable market
by the numbers.
13active assumable listings
2.96%lowest locked rate
$398kmedian list price
$429saved per month vs. 7.2%
About the market
Assumable mortgagesin Harmony, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Harmony. Updated September 2026.
How assumptions work for buyersHarmony, Florida has 13 homes for sale with an assumable mortgage as of September 2026: 9 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 Harmony assumable listings start at 2.96% with a median of 6.20%; 4 listings are under 4% and 6 are under 5%.
The median assumable home in Harmony lists for $397,500, with a median of $66,893 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 $2,048 a month versus $2,477 for the same balance at today's rate, roughly $429 kept every month and $5,146 a year. The most active Harmony ZIP codes are 34773 (13).
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 Harmony assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Harmony
View all 13 on the map Homes on the marketin Harmony.
FHA
Active
14$356,000$12,062 down
- Rate
- 3.76%
6.95%today- Payment
- $1,739/mo
$2,483today
- 3beds
- 2baths
- 1,663sqft
5882 HERDER Road, St Cloud
VA
Active
19$345,000$100,351 down
- Rate
- 2.70%
6.95%today- Payment
- $1,136/mo
$1,853today
- 3beds
- 3baths
- 1,706sqft
1018 MISSOURI Avenue, St Cloud
VA
Active
37$300,000$84,410 down
- Rate
- 2.80%
6.95%today- Payment
- $993/mo
$1,600today
- 2beds
- 3baths
- 1,464sqft
5044 WALKER Street, St Cloud
FHA
Active
20$389,000$101,134 down
- Rate
- 2.96%
6.95%today- Payment
- $1,359/mo
$2,145today
- 4beds
- 2baths
- 1,830sqft
2845 ETHAN HAMMOCK Road, Harmony
FHA
Active
28$350,000$100,736 down
- Rate
- 2.97%
6.95%today- Payment
- $1,183/mo
$1,865today
- 3beds
- 2baths
- 1,676sqft
2822 HARMONIA HAMMOCK RD, Harmony
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 Harmony.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 13
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 6.20%
- Median list price
- $397,500
- Median cash to assume
- $66,893
Harmony listings by locked rate
- Under 4%4 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up7 homes
Harmony listings by loan type
- FHA9 homesmedian 6.73%
- VA4 homesmedian 4.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Harmony ZIP code.
Each ZIP opens the Harmony map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Harmony numbers
What an assumable ratedoes to a Harmony payment.
The sliders start at the median Harmony assumable listing: $397,500 list price and a 6.20% 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
18% 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 Harmony
$2,132/mo
New loan at 7.20%$2,240
Assumed at 6.20%
$2,132
Every month$108
Over five years$6,474
Interest you never pay$141,18626-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 Harmony listing on UMe shows the actual balance, rate, and payment.
How it works in Harmony
How to assumea mortgage in Harmony.
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 Harmony home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Harmony 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 $66,893 in Harmony 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 Harmony payment written in a different decade.
Harmony questions
Assuming a mortgagein Harmony.
The numbers below come from current Harmony inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Harmony?
As of September 2026, UMe tracks 13 active assumable listings in Harmony. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Harmony?
Current Harmony inventory breaks down as FHA (9, median 6.73%) and VA (4, median 4.50%). 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 Harmony?
The lowest rate on an active Harmony assumable listing is 2.96%, and the median across all 13 listings is 6.20%. 4 listings are under 4% and 6 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 Harmony?
Across current Harmony listings, the median principal-and-interest payment on the assumable loan is $2,048 per month versus $2,477 for the same balance at today's rates, a difference of about $429 every month, or $5,146 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 Harmony?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Harmony that gap is currently a median of $66,893 on a median list price of $397,500. 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 Harmony ZIP codes have the most assumable homes?
The Harmony ZIP codes with the most active assumable listings are 34773 (13). 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 Harmony?
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 Harmony.The rate is already on the house.
Every listing on the Harmony map has a rate you can take over. Start with the ones in Harmony, get pre-qualified in minutes, and let UMe carry the assumption to closing.
