FHA
Active
61$299,900$5,496 down
- Rate
- 3.89%
6.95%today- Payment
- $1,513/mo
$2,125today
- 3beds
- 2baths
- 1,649sqft
Mount Dora, Florida
Assumable homes for salein Mount Dora, Florida.
31 homes in Mount Dora carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mount Dora assumable market
by the numbers.
31active assumable listings
2.65%lowest locked rate
$458kmedian list price
$800saved per month vs. 7.2%
About the market
Assumable mortgagesin Mount Dora, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Mount Dora. Updated September 2026.
How assumptions work for buyersMount Dora, Florida has 31 homes for sale with an assumable mortgage as of September 2026: 24 FHA loans and 7 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 Mount Dora assumable listings start at 2.65% with a median of 3.84%; 19 listings are under 4% and 22 are under 5%.
The median assumable home in Mount Dora lists for $458,040, with a median of $155,396 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 $1,308 a month versus $2,107 for the same balance at today's rate, roughly $800 kept every month and $9,594 a year. The most active Mount Dora ZIP codes are 32757 (31).
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 Mount Dora assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mount Dora
View all 31 on the map Homes on the marketin Mount Dora.
FHA
Active
21$350,000$54,786 down
- Rate
- 3.45%
6.95%today- Payment
- $1,446/mo
$2,145today
- 4beds
- 4baths
- 2,052sqft
2219 PICO Lane, Mount Dora
FHA
Active
23$295,000$39,684 down
- Rate
- 2.84%
6.95%today- Payment
- $1,184/mo
$1,898today
- 3beds
- 2baths
- 1,856sqft
115 CRESCENT MOON Drive, Groveland
FHA
Active
26$449,990$124,809 down
- Rate
- 3.05%
6.95%today- Payment
- $1,537/mo
$2,398today
- 4beds
- 3baths
- 2,442sqft
5551 PALOMINO Place, Apopka
FHA
Active
31$369,900$74,602 down
- Rate
- 3.05%
6.95%today- Payment
- $1,396/mo
$2,177today
- 4beds
- 2baths
- 1,680sqft
2080 COBBLEFIELD Circle, Apopka
FHA
Active
36$195,000$72,811 down
- Rate
- 2.73%
6.95%today- Payment
- $568/mo
$923today
- 3beds
- 3baths
- 1,440sqft
11600 RANCHO Drive, Leesburg
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 Mount Dora.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 31
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 3.84%
- Median list price
- $458,040
- Median cash to assume
- $155,396
Mount Dora listings by locked rate
- Under 4%19 homes
- 4% – 5%3 homes
- 5% – 6%0 homes
- 6% and up9 homes
Mount Dora listings by loan type
- FHA24 homesmedian 3.73%
- VA7 homesmedian 3.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mount Dora ZIP code.
Each ZIP opens the Mount Dora map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mount Dora numbers
What an assumable ratedoes to a Mount Dora payment.
The sliders start at the median Mount Dora assumable listing: $458,040 list price and a 3.84% 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)$155,000
34% 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 Mount Dora
$1,549/mo
New loan at 7.20%$2,070
Assumed at 3.85%
$1,549
Every month$522
Over five years$31,304
Interest you never pay$262,15526-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 Mount Dora listing on UMe shows the actual balance, rate, and payment.
How it works in Mount Dora
How to assumea mortgage in Mount Dora.
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 Mount Dora home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mount Dora 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 $155,396 in Mount Dora 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 Mount Dora payment written in a different decade.
Mount Dora questions
Assuming a mortgagein Mount Dora.
The numbers below come from current Mount Dora inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mount Dora?
As of September 2026, UMe tracks 31 active assumable listings in Mount Dora. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mount Dora?
Current Mount Dora inventory breaks down as FHA (24, median 3.73%) and VA (7, median 3.92%). 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 Mount Dora?
The lowest rate on an active Mount Dora assumable listing is 2.65%, and the median across all 31 listings is 3.84%. 19 listings are under 4% and 22 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 Mount Dora?
Across current Mount Dora listings, the median principal-and-interest payment on the assumable loan is $1,308 per month versus $2,107 for the same balance at today's rates, a difference of about $800 every month, or $9,594 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 Mount Dora?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mount Dora that gap is currently a median of $155,396 on a median list price of $458,040. 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 Mount Dora ZIP codes have the most assumable homes?
The Mount Dora ZIP codes with the most active assumable listings are 32757 (31). 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 Mount Dora?
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 Mount Dora.The rate is already on the house.
Every listing on the Mount Dora map has a rate you can take over. Start with the ones in Mount Dora, get pre-qualified in minutes, and let UMe carry the assumption to closing.
