FHA
Active
25$349,900$51,819 down
- Rate
- 2.88%
6.95%today- Payment
- $1,386/mo
$2,209today
- 3beds
- 2baths
- 1,660sqft
Lecanto, Florida
Assumable homes for salein Lecanto, Florida.
3 homes in Lecanto carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.14%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lecanto assumable market
by the numbers.
3active assumable listings
3.14%lowest locked rate
$468kmedian list price
$773saved per month vs. 7.2%
About the market
Assumable mortgagesin Lecanto, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Lecanto. Updated September 2026.
How assumptions work for buyersLecanto, Florida has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 1 VA 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 Lecanto assumable listings start at 3.14% with a median of 4.37%; 1 listing is under 4% and 2 are under 5%.
The median assumable home in Lecanto lists for $468,000, with a median of $343,170 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 $1,223 a month versus $1,996 for the same balance at today's rate, roughly $773 kept every month and $9,278 a year. The most active Lecanto ZIP codes are 34461 (3).
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 Lecanto assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lecanto
View all 3 on the map Homes on the marketin Lecanto.
VA
Active
53$325,000$92,743 down
- Rate
- 3.05%
6.95%today- Payment
- $1,107/mo
$1,728today
- 4beds
- 3baths
- 2,382sqft
483 RUNYON Loop, Beverly Hills
VA
Active
48$164,900$35,895 down
- Rate
- 3.12%
6.95%today- Payment
- $613/mo
$948today
- 2beds
- 1baths
- 686sqft
4511 BAHIA Lane, Hernando
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
VA
Active
48$416,900$159,961 down
- Rate
- 3.00%
6.95%today- Payment
- $1,218/mo
$1,913today
- 3beds
- 2baths
- 1,791sqft
4457 AVOCET Court, Inverness
FHA
Active
16$225,000$23,989 down
- Rate
- 4.17%
6.95%today- Payment
- $1,062/mo
$1,443today
- 3beds
- 2baths
- 1,190sqft
17 JEFFERSON Street, Beverly Hills
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 Lecanto.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.14%
- Median rate
- 4.37%
- Median list price
- $468,000
- Median cash to assume
- $343,170
Lecanto listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up0 homes
Lecanto listings by loan type
- FHA2 homesmedian 4.38%
- VA1 homemedian 4.37%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lecanto ZIP code.
Each ZIP opens the Lecanto map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lecanto numbers
What an assumable ratedoes to a Lecanto payment.
The sliders start at the median Lecanto assumable listing: $468,000 list price and a 4.37% 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)$345,000
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 Lecanto
$670/mo
New loan at 7.20%$848
Assumed at 4.35%
$670
Every month$179
Over five years$10,728
Interest you never pay$96,51426-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 Lecanto listing on UMe shows the actual balance, rate, and payment.
How it works in Lecanto
How to assumea mortgage in Lecanto.
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 Lecanto home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lecanto 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 $343,170 in Lecanto 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 Lecanto payment written in a different decade.
Lecanto questions
Assuming a mortgagein Lecanto.
The numbers below come from current Lecanto inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lecanto?
As of September 2026, UMe tracks 3 active assumable listings in Lecanto. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lecanto?
Current Lecanto inventory breaks down as FHA (2, median 4.38%) and VA (1, median 4.37%). 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 Lecanto?
The lowest rate on an active Lecanto assumable listing is 3.14%, and the median across all 3 listings is 4.37%. 1 listing is 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 Lecanto?
Across current Lecanto listings, the median principal-and-interest payment on the assumable loan is $1,223 per month versus $1,996 for the same balance at today's rates, a difference of about $773 every month, or $9,278 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 Lecanto?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lecanto that gap is currently a median of $343,170 on a median list price of $468,000. 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 Lecanto ZIP codes have the most assumable homes?
The Lecanto ZIP codes with the most active assumable listings are 34461 (3). 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 Lecanto?
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 Lecanto.The rate is already on the house.
Every listing on the Lecanto map has a rate you can take over. Start with the ones in Lecanto, get pre-qualified in minutes, and let UMe carry the assumption to closing.
