FHA
Active
54$324,900$152,104 down
- Rate
- 2.90%
6.95%today- Payment
- $789/mo
$1,269today
- 3beds
- 2baths
- 1,715sqft
Old Town, Florida
Assumable homes for salein Old Town, Florida.
2 homes in Old Town carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Old Town assumable market
by the numbers.
2active assumable listings
4.67%lowest locked rate
$172kmedian list price
$141saved per month vs. 7.2%
About the market
Assumable mortgagesin Old Town, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Old Town. Updated September 2026.
How assumptions work for buyersOld Town, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan 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 Old Town assumable listings start at 4.67% with a median of 5.72%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Old Town lists for $172,000, with a median of $96,725 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 $835 a month versus $976 for the same balance at today's rate, roughly $141 kept every month and $1,691 a year. The most active Old Town ZIP codes are 32680 (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 Old Town assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Old Town
View all 2 on the map Homes on the marketin Old Town.
VA
Active
54$1,200,000$653,426 down
- Rate
- 2.98%
6.95%today- Payment
- $2,586/mo
$4,071today
- 4beds
- 3baths
- 2,458sqft
5309 15TH Street, Bell
FHA
Active
55$549,900$275,534 down
- Rate
- 3.00%
6.95%today- Payment
- $1,304/mo
$2,047today
- 3beds
- 2baths
- 1,508sqft
1869 32ND Place, Bell
FHA
Active
55$275,000$197,451 down
- Rate
- 3.55%
6.95%today- Payment
- $528/mo
$773today
- 3beds
- 2baths
- 1,450sqft
5171 73RD Street, Chiefland
VA
Active
77$575,000$449,952 down
- Rate
- 3.70%
6.95%today- Payment
- $664/mo
$956today
- 3beds
- 2baths
- 2,200sqft
15770 60TH Avenue, Chiefland
FHA
Active
19$129,900$128,808 down
- Rate
- 3.89%
6.95%today- Payment
- $6/mo
$8today
- 3beds
- 2baths
- 1,152sqft
230 RODGERS Boulevard, Chiefland
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 Old Town.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.67%
- Median rate
- 5.72%
- Median list price
- $172,000
- Median cash to assume
- $96,725
Old Town listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Old Town listings by loan type
- FHA1 homemedian 6.77%
- VA1 homemedian 4.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Old Town ZIP code.
Each ZIP opens the Old Town map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Old Town numbers
What an assumable ratedoes to an Old Town payment.
The sliders start at the median Old Town assumable listing: $172,000 list price and a 5.72% 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)$95,000
56% 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 Old Town
$461/mo
New loan at 7.20%$509
Assumed at 5.70%
$461
Every month$48
Over five years$2,858
Interest you never pay$39,30026-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 Old Town listing on UMe shows the actual balance, rate, and payment.
How it works in Old Town
How to assumea mortgage in Old Town.
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 Old Town home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Old Town 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 $96,725 in Old Town 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 Old Town payment written in a different decade.
Old Town questions
Assuming a mortgagein Old Town.
The numbers below come from current Old Town inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Old Town?
As of September 2026, UMe tracks 2 active assumable listings in Old Town. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Old Town?
Current Old Town inventory breaks down as FHA (1, median 6.77%) and VA (1, median 4.67%). 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 Old Town?
The lowest rate on an active Old Town assumable listing is 4.67%, and the median across all 2 listings is 5.72%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Old Town?
Across current Old Town listings, the median principal-and-interest payment on the assumable loan is $835 per month versus $976 for the same balance at today's rates, a difference of about $141 every month, or $1,691 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 Old Town?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Old Town that gap is currently a median of $96,725 on a median list price of $172,000. 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 Old Town ZIP codes have the most assumable homes?
The Old Town ZIP codes with the most active assumable listings are 32680 (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 Old Town?
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 Old Town.The rate is already on the house.
Every listing on the Old Town map has a rate you can take over. Start with the ones in Old Town, get pre-qualified in minutes, and let UMe carry the assumption to closing.
