FHA
Active
49$200,000$52,264 down
- Rate
- 3.00%
6.95%today- Payment
- $704/mo
$1,105today
- 2beds
- 1baths
- 1,507sqft
Keystone Heights, Florida
Assumable homes for salein Keystone Heights, Florida.
2 homes in Keystone Heights carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.08%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Keystone Heights assumable market
by the numbers.
2active assumable listings
3.08%lowest locked rate
$295kmedian list price
$259saved per month vs. 7.2%
About the market
Assumable mortgagesin Keystone Heights, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Keystone Heights. Updated September 2026.
How assumptions work for buyersKeystone Heights, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 2 FHA 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 Keystone Heights assumable listings start at 3.08% with a median of 3.31%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Keystone Heights lists for $294,500, with a median of $214,277 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 $403 a month versus $662 for the same balance at today's rate, roughly $259 kept every month and $3,110 a year. The most active Keystone Heights ZIP codes are 32656 (2).
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 Keystone Heights assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Keystone Heights
View all 2 on the map Homes on the marketin Keystone Heights.
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
32$249,000$246,657 down
- Rate
- 3.55%
6.95%today- Payment
- $16/mo
$23today
- 3beds
- 2baths
- 1,404sqft
5828 BRYCE Street, Keystone Heights
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
43$240,000$40,794 down
- Rate
- 7.22%
6.95%today- Payment
- $1,384/mo
$1,347today
- 2beds
- 1baths
- 1,125sqft
620 GLENDALE Street, Starke
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 Keystone Heights.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.08%
- Median rate
- 3.31%
- Median list price
- $294,500
- Median cash to assume
- $214,277
Keystone Heights listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Keystone Heights listings by loan type
- FHA2 homesmedian 3.31%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Keystone Heights ZIP code.
Each ZIP opens the Keystone Heights map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Keystone Heights numbers
What an assumable ratedoes to a Keystone Heights payment.
The sliders start at the median Keystone Heights assumable listing: $294,500 list price and a 3.31% 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)$215,000
73% 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 Keystone Heights
$382/mo
New loan at 7.20%$543
Assumed at 3.30%
$382
Every month$161
Over five years$9,645
Interest you never pay$76,21926-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 Keystone Heights listing on UMe shows the actual balance, rate, and payment.
How it works in Keystone Heights
How to assumea mortgage in Keystone Heights.
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 Keystone Heights home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Keystone Heights 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 $214,277 in Keystone Heights 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 Keystone Heights payment written in a different decade.
Keystone Heights questions
Assuming a mortgagein Keystone Heights.
The numbers below come from current Keystone Heights inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Keystone Heights?
As of September 2026, UMe tracks 2 active assumable listings in Keystone Heights. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Keystone Heights?
Current Keystone Heights inventory breaks down as FHA (2, median 3.31%). 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 Keystone Heights?
The lowest rate on an active Keystone Heights assumable listing is 3.08%, and the median across all 2 listings is 3.31%. 2 listings are under 4% and 2 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 Keystone Heights?
Across current Keystone Heights listings, the median principal-and-interest payment on the assumable loan is $403 per month versus $662 for the same balance at today's rates, a difference of about $259 every month, or $3,110 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 Keystone Heights?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Keystone Heights that gap is currently a median of $214,277 on a median list price of $294,500. 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 Keystone Heights ZIP codes have the most assumable homes?
The Keystone Heights ZIP codes with the most active assumable listings are 32656 (2). 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 Keystone Heights?
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 Keystone Heights.The rate is already on the house.
Every listing on the Keystone Heights map has a rate you can take over. Start with the ones in Keystone Heights, get pre-qualified in minutes, and let UMe carry the assumption to closing.
