VATop pick
Active
30$119,900$10,440 down
- Rate
- 2.81%
6.95%today- Payment
- $514/mo
$827today
- 3beds
- 3baths
- 1,416sqft
Orlando, Florida
Assumable homes for salein Orlando, Florida.
312 homes in Orlando carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Orlando assumable market
by the numbers.
312active assumable listings
2.25%lowest locked rate
$409kmedian list price
$622saved per month vs. 7.2%
About the market
Assumable mortgagesin Orlando, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Orlando. Updated September 2026.
How assumptions work for buyersOrlando, Florida has 312 homes for sale with an assumable mortgage as of September 2026: 190 FHA loans and 122 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 Orlando assumable listings start at 2.25% with a median of 5.00%; 117 listings are under 4% and 153 are under 5%.
The median assumable home in Orlando lists for $409,450, with a median of $185,447 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 $1,514 a month versus $2,136 for the same balance at today's rate, roughly $622 kept every month and $7,469 a year. The most active Orlando ZIP codes are 32824 (36), 32827 (36), 32832 (28), 32825 (21), and 32828 (21).
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 Orlando assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Orlando
View all 312 on the map Homes on the marketin Orlando.
FHA
Active
37$369,900$74,635 down
- Rate
- 2.87%
6.95%today- Payment
- $1,374/mo
$2,194today
- 3beds
- 3baths
- 1,516sqft
9421 RANDAL PARK Boulevard, Orlando
VA
Active
48$700,000$71,241 down
- Rate
- 3.51%
6.95%today- Payment
- $3,100/mo
$4,564today
- 4beds
- 4baths
- 3,805sqft
2132 PLANTATION OAK Drive, Orlando
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
VA
Active
40$340,000$99,877 down
- Rate
- 2.73%
6.95%today- Payment
- $1,116/mo
$1,814today
- 3beds
- 3baths
- 1,743sqft
986 GRAND WILDMERE Cove, Longwood
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
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 Orlando.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 312
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 5.00%
- Median list price
- $409,450
- Median cash to assume
- $185,447
Orlando listings by locked rate
- Under 4%117 homes
- 4% – 5%36 homes
- 5% – 6%22 homes
- 6% and up132 homes
Orlando listings by loan type
- FHA190 homesmedian 5.23%
- VA122 homesmedian 4.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Orlando ZIP code.
Each ZIP opens the Orlando map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 32824
36 assumable homes
median 3.93% · $409,950
- 32827
36 assumable homes
median 6.38% · $699,900
- 32832
28 assumable homes
median 3.88% · $479,950
- 32825
21 assumable homes
median 5.25% · $349,900
- 32828
21 assumable homes
median 4.98% · $515,000
- 32822
14 assumable homes
median 3.97% · $354,900
- 32835
13 assumable homes
median 4.19% · $400,000
- 32837
13 assumable homes
median 6.00% · $439,900
Run the Orlando numbers
What an assumable ratedoes to an Orlando payment.
The sliders start at the median Orlando assumable listing: $409,450 list price and a 5.00% 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)$185,000
45% 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 Orlando
$1,290/mo
New loan at 7.20%$1,527
Assumed at 5.00%
$1,290
Every month$237
Over five years$14,235
Interest you never pay$147,33126-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 Orlando listing on UMe shows the actual balance, rate, and payment.
How it works in Orlando
How to assumea mortgage in Orlando.
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 Orlando home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Orlando 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 $185,447 in Orlando 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 Orlando payment written in a different decade.
Orlando questions
Assuming a mortgagein Orlando.
The numbers below come from current Orlando inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Orlando?
As of September 2026, UMe tracks 312 active assumable listings in Orlando. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Orlando?
Current Orlando inventory breaks down as FHA (190, median 5.23%) and VA (122, median 4.00%). 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 Orlando?
The lowest rate on an active Orlando assumable listing is 2.25%, and the median across all 312 listings is 5.00%. 117 listings are under 4% and 153 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 Orlando?
Across current Orlando listings, the median principal-and-interest payment on the assumable loan is $1,514 per month versus $2,136 for the same balance at today's rates, a difference of about $622 every month, or $7,469 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 Orlando?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Orlando that gap is currently a median of $185,447 on a median list price of $409,450. 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 Orlando ZIP codes have the most assumable homes?
The Orlando ZIP codes with the most active assumable listings are 32824 (36), 32827 (36), 32832 (28), 32825 (21), and 32828 (21). 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 Orlando?
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 Orlando.The rate is already on the house.
Every listing on the Orlando map has a rate you can take over. Start with the ones in Orlando, get pre-qualified in minutes, and let UMe carry the assumption to closing.
