VA
Active
33$565,000$101,539 down
- Rate
- 2.87%
6.95%today- Payment
- $2,152/mo
$3,436today
- 4beds
- 5baths
- 3,459sqft
Ocoee, Florida
Assumable homes for salein Ocoee, Florida.
20 homes in Ocoee carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Ocoee assumable market
by the numbers.
20active assumable listings
2.88%lowest locked rate
$462kmedian list price
$595saved per month vs. 7.2%
About the market
Assumable mortgagesin Ocoee, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Ocoee. Updated September 2026.
How assumptions work for buyersOcoee, Florida has 20 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 4 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 Ocoee assumable listings start at 2.88% with a median of 4.34%; 6 listings are under 4% and 12 are under 5%.
The median assumable home in Ocoee lists for $462,450, with a median of $212,629 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 $1,393 a month versus $1,989 for the same balance at today's rate, roughly $595 kept every month and $7,144 a year. The most active Ocoee ZIP codes are 34761 (20).
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 Ocoee assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ocoee
View all 20 on the map Homes on the marketin Ocoee.
VA
Active
40$500,000$34,908 down
- Rate
- 3.45%
6.95%today- Payment
- $2,278/mo
$3,379today
- 4beds
- 3baths
- 2,593sqft
2563 WALNUT HEIGHTS Road, Apopka
FHA
Active
37$409,900$112,990 down
- Rate
- 2.77%
6.95%today- Payment
- $1,366/mo
$2,210today
- 3beds
- 2baths
- 1,639sqft
428 RUTH ST, Longwood
VA
Active
56$544,400$132,327 down
- Rate
- 2.87%
6.95%today- Payment
- $1,918/mo
$3,061today
- 3beds
- 3baths
- 2,216sqft
15741 FOUNTAIN SPRINGS Road, Winter Garden
FHA
Active
27$219,900$8,968 down
- Rate
- 4.00%
6.95%today- Payment
- $1,091/mo
$1,512today
- 4beds
- 2baths
- 1,167sqft
1243 AMAROS Avenue, Orlando
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
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 Ocoee.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 20
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 4.34%
- Median list price
- $462,450
- Median cash to assume
- $212,629
Ocoee listings by locked rate
- Under 4%6 homes
- 4% – 5%6 homes
- 5% – 6%1 home
- 6% and up7 homes
Ocoee listings by loan type
- FHA16 homesmedian 4.83%
- VA4 homesmedian 3.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ocoee ZIP code.
Each ZIP opens the Ocoee map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ocoee numbers
What an assumable ratedoes to an Ocoee payment.
The sliders start at the median Ocoee assumable listing: $462,450 list price and a 4.34% 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)$210,000
46% 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 Ocoee
$1,339/mo
New loan at 7.20%$1,697
Assumed at 4.35%
$1,339
Every month$358
Over five years$21,457
Interest you never pay$193,02926-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 Ocoee listing on UMe shows the actual balance, rate, and payment.
How it works in Ocoee
How to assumea mortgage in Ocoee.
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 an Ocoee home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ocoee 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 $212,629 in Ocoee 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 an Ocoee payment written in a different decade.
Ocoee questions
Assuming a mortgagein Ocoee.
The numbers below come from current Ocoee inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ocoee?
As of September 2026, UMe tracks 20 active assumable listings in Ocoee. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ocoee?
Current Ocoee inventory breaks down as FHA (16, median 4.83%) and VA (4, median 3.98%). 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 Ocoee?
The lowest rate on an active Ocoee assumable listing is 2.88%, and the median across all 20 listings is 4.34%. 6 listings are under 4% and 12 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 Ocoee?
Across current Ocoee listings, the median principal-and-interest payment on the assumable loan is $1,393 per month versus $1,989 for the same balance at today's rates, a difference of about $595 every month, or $7,144 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 Ocoee?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ocoee that gap is currently a median of $212,629 on a median list price of $462,450. 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 Ocoee ZIP codes have the most assumable homes?
The Ocoee ZIP codes with the most active assumable listings are 34761 (20). 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 Ocoee?
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 Ocoee.The rate is already on the house.
Every listing on the Ocoee map has a rate you can take over. Start with the ones in Ocoee, get pre-qualified in minutes, and let UMe carry the assumption to closing.
