VA
Active
83$574,000$88,555 down
- Rate
- 2.90%
6.95%today- Payment
- $2,262/mo
$3,597today
- 4beds
- 3baths
- 2,506sqft
Ormond Beach, Florida
Assumable homes for salein Ormond Beach, Florida.
26 homes in Ormond Beach 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
Ormond Beach assumable market
by the numbers.
26active assumable listings
2.88%lowest locked rate
$350kmedian list price
$442saved per month vs. 7.2%
About the market
Assumable mortgagesin Ormond Beach, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Ormond Beach. Updated September 2026.
How assumptions work for buyersOrmond Beach, Florida has 26 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 10 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 Ormond Beach assumable listings start at 2.88% with a median of 4.68%; 9 listings are under 4% and 15 are under 5%.
The median assumable home in Ormond Beach lists for $349,950, with a median of $125,143 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 $1,590 a month versus $2,031 for the same balance at today's rate, roughly $442 kept every month and $5,300 a year. The most active Ormond Beach ZIP codes are 32174 (25) and 32176 (1).
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 Ormond Beach assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ormond Beach
View all 26 on the map Homes on the marketin Ormond Beach.
FHA
Active
33$299,900$26,087 down
- Rate
- 3.69%
6.95%today- Payment
- $1,377/mo
$1,982today
- 4beds
- 1baths
- 1,781sqft
358 ORCHARD Street, Ormond Beach
VA
Active
55$335,000$93,911 down
- Rate
- 2.65%
6.95%today- Payment
- $1,113/mo
$1,828today
- 3beds
- 2baths
- 1,760sqft
5258 BEAR CORN Run, Port Orange
FHA
Active
54$272,000$54,628 down
- Rate
- 3.05%
6.95%today- Payment
- $1,021/mo
$1,592today
- 3beds
- 1baths
- 1,010sqft
1807 GOLFVIEW Boulevard, South Daytona
VA
Active
34$385,000$147,112 down
- Rate
- 3.01%
6.95%today- Payment
- $1,158/mo
$1,816today
- 3beds
- 2baths
- 2,120sqft
11 RIO PINAR Trail, Ormond Beach
FHA
Active
31$220,000$90,043 down
- Rate
- 3.02%
6.95%today- Payment
- $632/mo
$990today
- 3beds
- 2baths
- 1,000sqft
843 NILES Street, Daytona Beach
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 Ormond Beach.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 26
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 4.68%
- Median list price
- $349,950
- Median cash to assume
- $125,143
Ormond Beach listings by locked rate
- Under 4%9 homes
- 4% – 5%6 homes
- 5% – 6%0 homes
- 6% and up11 homes
Ormond Beach listings by loan type
- FHA16 homesmedian 5.59%
- VA10 homesmedian 4.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ormond Beach ZIP code.
Each ZIP opens the Ormond Beach map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ormond Beach numbers
What an assumable ratedoes to an Ormond Beach payment.
The sliders start at the median Ormond Beach assumable listing: $349,950 list price and a 4.68% 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)$125,000
36% 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 Ormond Beach
$1,251/mo
New loan at 7.20%$1,527
Assumed at 4.70%
$1,251
Every month$277
Over five years$16,600
Interest you never pay$159,62826-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 Ormond Beach listing on UMe shows the actual balance, rate, and payment.
How it works in Ormond Beach
How to assumea mortgage in Ormond Beach.
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 Ormond Beach home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ormond Beach 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 $125,143 in Ormond Beach 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 Ormond Beach payment written in a different decade.
Ormond Beach questions
Assuming a mortgagein Ormond Beach.
The numbers below come from current Ormond Beach inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ormond Beach?
As of September 2026, UMe tracks 26 active assumable listings in Ormond Beach. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ormond Beach?
Current Ormond Beach inventory breaks down as FHA (16, median 5.59%) and VA (10, 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 Ormond Beach?
The lowest rate on an active Ormond Beach assumable listing is 2.88%, and the median across all 26 listings is 4.68%. 9 listings are under 4% and 15 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 Ormond Beach?
Across current Ormond Beach listings, the median principal-and-interest payment on the assumable loan is $1,590 per month versus $2,031 for the same balance at today's rates, a difference of about $442 every month, or $5,300 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 Ormond Beach?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ormond Beach that gap is currently a median of $125,143 on a median list price of $349,950. 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 Ormond Beach ZIP codes have the most assumable homes?
The Ormond Beach ZIP codes with the most active assumable listings are 32174 (25) and 32176 (1). 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 Ormond Beach?
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 Ormond Beach.The rate is already on the house.
Every listing on the Ormond Beach map has a rate you can take over. Start with the ones in Ormond Beach, get pre-qualified in minutes, and let UMe carry the assumption to closing.
