FHA
Active
25$349,900$51,819 down
- Rate
- 2.88%
6.95%today- Payment
- $1,386/mo
$2,209today
- 3beds
- 2baths
- 1,660sqft
Homosassa, Florida
Assumable homes for salein Homosassa, Florida.
13 homes in Homosassa carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.90%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Homosassa assumable market
by the numbers.
13active assumable listings
2.90%lowest locked rate
$294kmedian list price
$334saved per month vs. 7.2%
About the market
Assumable mortgagesin Homosassa, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Homosassa. Updated September 2026.
How assumptions work for buyersHomosassa, Florida has 13 homes for sale with an assumable mortgage as of September 2026: 10 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 Homosassa assumable listings start at 2.90% with a median of 6.64%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Homosassa lists for $294,000, with a median of $48,243 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 $1,062 a month versus $1,396 for the same balance at today's rate, roughly $334 kept every month and $4,006 a year. The most active Homosassa ZIP codes are 34446 (8) and 34448 (5).
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 Homosassa assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Homosassa
View all 13 on the map Homes on the marketin Homosassa.
FHA
Active
44$219,000$82,783 down
- Rate
- 2.74%
6.95%today- Payment
- $635/mo
$1,031today
- 3beds
- 2baths
- 2,150sqft
306 MONROE Street, Beverly Hills
FHA
Active
21$395,000$145,467 down
- Rate
- 2.99%
6.95%today- Payment
- $1,182/mo
$1,858today
- 4beds
- 2baths
- 2,163sqft
12155 PEREGRINE FALCON Avenue, Weeki Wachee
FHA
Active
44$380,000$130,420 down
- Rate
- 3.07%
6.95%today- Payment
- $1,180/mo
$1,836today
- 4beds
- 2baths
- 1,984sqft
13073 JAYWALK Road, Weeki Wachee
VA
Active
37$369,900$261,166 down
- Rate
- 2.36%
6.95%today- Payment
- $975/mo
$1,323today
- 3beds
- 2baths
- 2,116sqft
5518 ELKCAM Boulevard, Beverly Hills
VA
Active
62$550,000$410,201 down
- Rate
- 2.70%
6.95%today- Payment
- $649/mo
$1,059today
- 3beds
- 3baths
- 1,527sqft
8459 OAK Street, Crystal River
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 Homosassa.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 13
- UMe Certified / verified
- 0
- Lowest rate
- 2.90%
- Median rate
- 6.64%
- Median list price
- $294,000
- Median cash to assume
- $48,243
Homosassa listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%2 homes
- 6% and up7 homes
Homosassa listings by loan type
- FHA10 homesmedian 5.93%
- VA3 homesmedian 6.76%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Homosassa ZIP code.
Each ZIP opens the Homosassa map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Homosassa numbers
What an assumable ratedoes to a Homosassa payment.
The sliders start at the median Homosassa assumable listing: $294,000 list price and a 6.64% 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)$50,000
17% 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 Homosassa
$1,652/mo
New loan at 7.20%$1,663
Assumed at 6.65%
$1,652
Every month$11
Over five years$642
Interest you never pay$83,16226-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 Homosassa listing on UMe shows the actual balance, rate, and payment.
How it works in Homosassa
How to assumea mortgage in Homosassa.
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 Homosassa home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Homosassa 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 $48,243 in Homosassa 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 Homosassa payment written in a different decade.
Homosassa questions
Assuming a mortgagein Homosassa.
The numbers below come from current Homosassa inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Homosassa?
As of September 2026, UMe tracks 13 active assumable listings in Homosassa. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Homosassa?
Current Homosassa inventory breaks down as FHA (10, median 5.93%) and VA (3, median 6.76%). 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 Homosassa?
The lowest rate on an active Homosassa assumable listing is 2.90%, and the median across all 13 listings is 6.64%. 3 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 Homosassa?
Across current Homosassa listings, the median principal-and-interest payment on the assumable loan is $1,062 per month versus $1,396 for the same balance at today's rates, a difference of about $334 every month, or $4,006 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 Homosassa?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Homosassa that gap is currently a median of $48,243 on a median list price of $294,000. 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 Homosassa ZIP codes have the most assumable homes?
The Homosassa ZIP codes with the most active assumable listings are 34446 (8) and 34448 (5). 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 Homosassa?
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 Homosassa.The rate is already on the house.
Every listing on the Homosassa map has a rate you can take over. Start with the ones in Homosassa, get pre-qualified in minutes, and let UMe carry the assumption to closing.
