FHA
Active
49$200,000$52,264 down
- Rate
- 3.00%
6.95%today- Payment
- $704/mo
$1,105today
- 2beds
- 1baths
- 1,507sqft
Interlachen, Florida
Assumable homes for salein Interlachen, Florida.
1 home in Interlachen carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Interlachen assumable market
by the numbers.
1active assumable listing
3.00%lowest locked rate
$200kmedian list price
$466saved per month vs. 7.2%
About the market
Assumable mortgagesin Interlachen, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Interlachen. Updated September 2026.
How assumptions work for buyersInterlachen, Florida has 1 home for sale with an assumable mortgage as of September 2026: 1 FHA 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 Interlachen assumable listings start at 3.00% with a median of 3.00%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Interlachen lists for $200,000, with a median of $52,598 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 $704 a month versus $1,169 for the same balance at today's rate, roughly $466 kept every month and $5,588 a year. The most active Interlachen ZIP codes are 32148 (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 Interlachen assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Interlachen
View all 1 on the map Homes on the marketin Interlachen.
FHA
Active
35$340,000$175,873 down
- Rate
- 3.08%
6.95%today- Payment
- $790/mo
$1,228today
- 5beds
- 3baths
- 2,041sqft
665 HERON Street, Keystone Heights
FHA
Active
65$179,500$138,797 down
- Rate
- 3.66%
6.95%today- Payment
- $252/mo
$364today
- 3beds
- 2baths
- 1,512sqft
17630 246TH Place, Fort Mc Coy
VA
Active
7$475,000$40,956 down
- Rate
- 6.78%
6.95%today- Payment
- $2,884/mo
$2,935today
- 3beds
- 2baths
- 2,154sqft
168 HOUR GLASS Circle, Hawthorne
FHA
Active
29$299,900Potential short sale
- Rate
- 6.95%
6.95%today- Payment
- $2,210/mo
$2,210today
- 3beds
- 2baths
- 1,783sqft
114 MANDARIN LAKE Road, Melrose
FHA
Active
40$269,999$56,524 down
- Rate
- 6.30%
6.95%today- Payment
- $1,325/mo
$1,417today
- 3beds
- 2baths
- 1,628sqft
130 FINLEY Lane, Hawthorne
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 Interlachen.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.00%
- Median rate
- 3.00%
- Median list price
- $200,000
- Median cash to assume
- $52,598
Interlachen listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Interlachen listings by loan type
- FHA1 homemedian 3.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Interlachen ZIP code.
Each ZIP opens the Interlachen map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Interlachen numbers
What an assumable ratedoes to an Interlachen payment.
The sliders start at the median Interlachen assumable listing: $200,000 list price and a 3.00% 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)$55,000
28% 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 Interlachen
$670/mo
New loan at 7.20%$984
Assumed at 3.00%
$670
Every month$314
Over five years$18,862
Interest you never pay$145,32726-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 Interlachen listing on UMe shows the actual balance, rate, and payment.
How it works in Interlachen
How to assumea mortgage in Interlachen.
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 an Interlachen home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Interlachen 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 $52,598 in Interlachen 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 an Interlachen payment written in a different decade.
Interlachen questions
Assuming a mortgagein Interlachen.
The numbers below come from current Interlachen inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Interlachen?
As of September 2026, UMe tracks 1 active assumable listing in Interlachen. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Interlachen?
Current Interlachen inventory breaks down as FHA (1, median 3.00%). 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 Interlachen?
The lowest rate on an active Interlachen assumable listing is 3.00%, and the median across all 1 listing is 3.00%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Interlachen?
Across current Interlachen listings, the median principal-and-interest payment on the assumable loan is $704 per month versus $1,169 for the same balance at today's rates, a difference of about $466 every month, or $5,588 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 Interlachen?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Interlachen that gap is currently a median of $52,598 on a median list price of $200,000. 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 Interlachen ZIP codes have the most assumable homes?
The Interlachen ZIP codes with the most active assumable listings are 32148 (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 Interlachen?
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 Interlachen.The rate is already on the house.
Every listing on the Interlachen map has a rate you can take over. Start with the ones in Interlachen, get pre-qualified in minutes, and let UMe carry the assumption to closing.
