FHA
Active
26$375,000$281,385 down
- Rate
- 2.84%
6.95%today- Payment
- $441/mo
$707today
- 3beds
- 2baths
- 2,100sqft
Morriston, Florida
Assumable homes for salein Morriston, Florida.
4 homes in Morriston carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Morriston assumable market
by the numbers.
4active assumable listings
2.84%lowest locked rate
$438kmedian list price
$395saved per month vs. 7.2%
About the market
Assumable mortgagesin Morriston, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Morriston. Updated September 2026.
How assumptions work for buyersMorriston, Florida has 4 homes for sale with an assumable mortgage as of September 2026: 4 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 Morriston assumable listings start at 2.84% with a median of 3.63%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Morriston lists for $437,500, with a median of $281,385 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 $1,380 a month versus $1,775 for the same balance at today's rate, roughly $395 kept every month and $4,745 a year. The most active Morriston ZIP codes are 32668 (4).
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 Morriston assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Morriston
View all 4 on the map Homes on the marketin Morriston.
FHA
Active
83$824,900$454,163 down
- Rate
- 2.87%
6.95%today- Payment
- $1,710/mo
$2,730today
- 3beds
- 3baths
- 2,741sqft
6351 140 Avenue, Morriston
VA
Active
46$440,000$224,542 down
- Rate
- 3.00%
6.95%today- Payment
- $1,048/mo
$1,645today
- 3beds
- 2baths
- 2,193sqft
389 BIG TREE Road, Dunnellon
FHA
Active
60$719,000$558,089 down
- Rate
- 3.08%
6.95%today- Payment
- $771/mo
$1,199today
- 3beds
- 2baths
- 2,316sqft
10631 HIGHWAY 40, Ocala
FHA
Active
21$199,900$104,836 down
- Rate
- 3.09%
6.95%today- Payment
- $451/mo
$700today
- 3beds
- 2baths
- 1,188sqft
13191 9TH Street, Williston
FHA
Active
23$159,900$159,900 down
- Rate
- 3.50%
6.95%today- Payment
- $0/mo
- 2beds
- 2baths
- 960sqft
971 134TH Court, Williston
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 Morriston.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 3.63%
- Median list price
- $437,500
- Median cash to assume
- $281,385
Morriston listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Morriston listings by loan type
- FHA4 homesmedian 3.63%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Morriston ZIP code.
Each ZIP opens the Morriston map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Morriston numbers
What an assumable ratedoes to a Morriston payment.
The sliders start at the median Morriston assumable listing: $437,500 list price and a 3.63% 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)$285,000
65% 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 Morriston
$770/mo
New loan at 7.20%$1,052
Assumed at 3.65%
$770
Every month$282
Over five years$16,930
Interest you never pay$138,53626-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 Morriston listing on UMe shows the actual balance, rate, and payment.
How it works in Morriston
How to assumea mortgage in Morriston.
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 Morriston home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Morriston 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 $281,385 in Morriston 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 Morriston payment written in a different decade.
Morriston questions
Assuming a mortgagein Morriston.
The numbers below come from current Morriston inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Morriston?
As of September 2026, UMe tracks 4 active assumable listings in Morriston. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Morriston?
Current Morriston inventory breaks down as FHA (4, median 3.63%). 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 Morriston?
The lowest rate on an active Morriston assumable listing is 2.84%, and the median across all 4 listings is 3.63%. 2 listings are under 4% and 3 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 Morriston?
Across current Morriston listings, the median principal-and-interest payment on the assumable loan is $1,380 per month versus $1,775 for the same balance at today's rates, a difference of about $395 every month, or $4,745 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 Morriston?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Morriston that gap is currently a median of $281,385 on a median list price of $437,500. 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 Morriston ZIP codes have the most assumable homes?
The Morriston ZIP codes with the most active assumable listings are 32668 (4). 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 Morriston?
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 Morriston.The rate is already on the house.
Every listing on the Morriston map has a rate you can take over. Start with the ones in Morriston, get pre-qualified in minutes, and let UMe carry the assumption to closing.
