FHATop pick
Active
6$189,000Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $901/mo
$1,397today
- 3beds
- 2baths
- 1,070sqft
Orange City, Florida
Assumable homes for salein Orange City, Florida.
15 homes in Orange City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.68%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Orange City assumable market
by the numbers.
15active assumable listings
2.68%lowest locked rate
$335kmedian list price
$501saved per month vs. 7.2%
About the market
Assumable mortgagesin Orange City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Orange City. Updated September 2026.
How assumptions work for buyersOrange City, Florida has 15 homes for sale with an assumable mortgage as of September 2026: 9 FHA loans and 6 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 Orange City assumable listings start at 2.68% with a median of 5.98%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Orange City lists for $335,000, with a median of $71,559 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 $1,611 a month versus $2,112 for the same balance at today's rate, roughly $501 kept every month and $6,014 a year. The most active Orange City ZIP codes are 32763 (15).
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 Orange City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Orange City
View all 15 on the map Homes on the marketin Orange City.
FHA
Active
27$227,000$30,162 down
- Rate
- 2.87%
6.95%today- Payment
- $916/mo
$1,462today
- 2beds
- 2baths
- 1,471sqft
424 HOGLE Avenue, Deland
VA
Active
22$370,000$53,667 down
- Rate
- 2.90%
6.95%today- Payment
- $1,470/mo
$2,338today
- 3beds
- 2baths
- 1,983sqft
958 COMPASS LANDING Drive, Orange City
FHA
Active
15$235,000$68,926 down
- Rate
- 2.73%
6.95%today- Payment
- $772/mo
$1,254today
- 3beds
- 2baths
- 1,199sqft
2617 LAUREL Avenue, Sanford
VA
Active
43$399,999$111,049 down
- Rate
- 2.81%
6.95%today- Payment
- $1,351/mo
$2,174today
- 3beds
- 2baths
- 1,988sqft
832 JETWAY Street, Orange City
FHA
Active
35$305,000$74,183 down
- Rate
- 2.98%
6.95%today- Payment
- $1,080/mo
$1,700today
- 3beds
- 2baths
- 1,636sqft
1514 PLAYWRIGHT Drive, Deland
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 Orange City.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 15
- UMe Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 5.98%
- Median list price
- $335,000
- Median cash to assume
- $71,559
Orange City listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up7 homes
Orange City listings by loan type
- FHA9 homesmedian 5.98%
- VA6 homesmedian 4.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Orange City ZIP code.
Each ZIP opens the Orange City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Orange City numbers
What an assumable ratedoes to an Orange City payment.
The sliders start at the median Orange City assumable listing: $335,000 list price and a 5.98% 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)$70,000
21% 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 Orange City
$1,679/mo
New loan at 7.20%$1,799
Assumed at 6.00%
$1,679
Every month$120
Over five years$7,173
Interest you never pay$123,64026-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 Orange City listing on UMe shows the actual balance, rate, and payment.
How it works in Orange City
How to assumea mortgage in Orange City.
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 Orange City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Orange City 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 $71,559 in Orange City 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 Orange City payment written in a different decade.
Orange City questions
Assuming a mortgagein Orange City.
The numbers below come from current Orange City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Orange City?
As of September 2026, UMe tracks 15 active assumable listings in Orange City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Orange City?
Current Orange City inventory breaks down as FHA (9, median 5.98%) and VA (6, median 4.58%). 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 Orange City?
The lowest rate on an active Orange City assumable listing is 2.68%, and the median across all 15 listings is 5.98%. 6 listings are under 4% and 6 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 Orange City?
Across current Orange City listings, the median principal-and-interest payment on the assumable loan is $1,611 per month versus $2,112 for the same balance at today's rates, a difference of about $501 every month, or $6,014 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 Orange City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Orange City that gap is currently a median of $71,559 on a median list price of $335,000. 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 Orange City ZIP codes have the most assumable homes?
The Orange City ZIP codes with the most active assumable listings are 32763 (15). 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 Orange City?
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 Orange City.The rate is already on the house.
Every listing on the Orange City map has a rate you can take over. Start with the ones in Orange City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
