FHA
Active
33$404,900$80,479 down
- Rate
- 2.96%
6.95%today- Payment
- $1,535/mo
$2,423today
- 3beds
- 3baths
- 1,693sqft
Jacksonville, Florida
Assumable homes for salein Jacksonville, Florida.
18 homes in Jacksonville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Jacksonville assumable market
by the numbers.
18active assumable listings
2.87%lowest locked rate
$289kmedian list price
$516saved per month vs. 7.2%
About the market
Assumable mortgagesin Jacksonville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Jacksonville. Updated September 2026.
How assumptions work for buyersJacksonville, Florida has 18 homes for sale with an assumable mortgage as of September 2026: 10 FHA loans and 8 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 Jacksonville assumable listings start at 2.87% with a median of 6.14%; 3 listings are under 4% and 5 are under 5%.
The median assumable home in Jacksonville lists for $289,000, with a median of $37,001 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 $1,503 a month versus $2,019 for the same balance at today's rate, roughly $516 kept every month and $6,190 a year. The most active Jacksonville ZIP codes are 32218 (3), 32244 (3), 32219 (2), 32222 (2), and 32209 (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 Jacksonville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Jacksonville
View all 18 on the map Homes on the marketin Jacksonville.
FHA
Active
29$200,000$72,794 down
- Rate
- 2.87%
6.95%today- Payment
- $591/mo
$943today
- 2beds
- 3baths
- 1,268sqft
5922 BRICE Court, Jacksonville
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
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
34$359,700$70,203 down
- Rate
- 5.30%
6.95%today- Payment
- $1,709/mo
$2,037today
- 4beds
- 2baths
- 1,954sqft
5736 GUANA PARK Court, Jacksonville
VA
Active
36$328,000$259,868 down
- Rate
- 4.11%
6.95%today- Payment
- $500/mo
$684today
- 3beds
- 2baths
- 1,436sqft
3442 RED OAK Circle, Orange Park
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 Jacksonville.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 6.14%
- Median list price
- $289,000
- Median cash to assume
- $37,001
Jacksonville listings by locked rate
- Under 4%3 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up10 homes
Jacksonville listings by loan type
- FHA10 homesmedian 6.70%
- VA8 homesmedian 5.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Jacksonville ZIP code.
Each ZIP opens the Jacksonville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 32218
3 assumable homes
median 6.69% · $330,000
- 32244
3 assumable homes
median 5.30% · $215,000
- 32219
2 assumable homes
median 6.08% · $306,450
- 32222
2 assumable homes
median 4.79% · $242,500
- 32209
1 assumable home
median 6.82% · $102,500
- 32210
1 assumable home
median 6.50% · $314,000
- 32211
1 assumable home
median 6.81% · $96,900
- 32217
1 assumable home
median 6.72% · $324,900
Run the Jacksonville numbers
What an assumable ratedoes to a Jacksonville payment.
The sliders start at the median Jacksonville assumable listing: $289,000 list price and a 6.14% 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)$40,000
14% 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 Jacksonville
$1,607/mo
New loan at 7.20%$1,697
Assumed at 6.15%
$1,607
Every month$90
Over five years$5,372
Interest you never pay$109,38826-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 Jacksonville listing on UMe shows the actual balance, rate, and payment.
How it works in Jacksonville
How to assumea mortgage in Jacksonville.
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 Jacksonville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Jacksonville 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 $37,001 in Jacksonville 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 Jacksonville payment written in a different decade.
Jacksonville questions
Assuming a mortgagein Jacksonville.
The numbers below come from current Jacksonville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Jacksonville?
As of September 2026, UMe tracks 18 active assumable listings in Jacksonville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Jacksonville?
Current Jacksonville inventory breaks down as FHA (10, median 6.70%) and VA (8, median 5.65%). 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 Jacksonville?
The lowest rate on an active Jacksonville assumable listing is 2.87%, and the median across all 18 listings is 6.14%. 3 listings are under 4% and 5 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 Jacksonville?
Across current Jacksonville listings, the median principal-and-interest payment on the assumable loan is $1,503 per month versus $2,019 for the same balance at today's rates, a difference of about $516 every month, or $6,190 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 Jacksonville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Jacksonville that gap is currently a median of $37,001 on a median list price of $289,000. 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 Jacksonville ZIP codes have the most assumable homes?
The Jacksonville ZIP codes with the most active assumable listings are 32218 (3), 32244 (3), 32219 (2), 32222 (2), and 32209 (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 Jacksonville?
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 Jacksonville.The rate is already on the house.
Every listing on the Jacksonville map has a rate you can take over. Start with the ones in Jacksonville, get pre-qualified in minutes, and let UMe carry the assumption to closing.
