VATop pick
Active
26$300,000$15,597 down
- Rate
- 2.96%
6.95%today- Payment
- $1,343/mo
$2,119today
- 3beds
- 3baths
- 1,776sqft
Poinciana, Florida
Assumable homes for salein Poinciana, Florida.
32 homes in Poinciana carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Poinciana assumable market
by the numbers.
32active assumable listings
2.77%lowest locked rate
$275kmedian list price
$469saved per month vs. 7.2%
About the market
Assumable mortgagesin Poinciana, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Poinciana. Updated September 2026.
How assumptions work for buyersPoinciana, Florida has 32 homes for sale with an assumable mortgage as of September 2026: 30 FHA loans and 2 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 Poinciana assumable listings start at 2.77% with a median of 5.01%; 12 listings are under 4% and 15 are under 5%.
The median assumable home in Poinciana lists for $275,250, with a median of $110,799 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 $1,409 a month versus $1,878 for the same balance at today's rate, roughly $469 kept every month and $5,629 a year. The most active Poinciana ZIP codes are 34759 (31) and 34758 (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 Poinciana assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Poinciana
View all 32 on the map Homes on the marketin Poinciana.
VATop pick
Active
9$235,000Potential short sale
- Rate
- 3.22%
6.95%today- Payment
- $1,127/mo
$1,721today
- 3beds
- 2baths
- 1,252sqft
710 BLUEBILL Place, Kissimmee
FHATop pick
Active
22$269,900$26,050 down
- Rate
- 2.98%
6.95%today- Payment
- $1,156/mo
$1,820today
- 4beds
- 2baths
- 1,823sqft
364 GUADLUPE Street, Haines City
VATop pick
Active
8$449,999$22,199 down
- Rate
- 3.11%
6.95%today- Payment
- $2,027/mo
$3,138today
- 5beds
- 5baths
- 2,709sqft
8027 ACADIA ESTATES Court, Kissimmee
FHA
Active
28$350,000$67,512 down
- Rate
- 2.80%
6.95%today- Payment
- $1,307/mo
$2,106today
- 4beds
- 3baths
- 1,978sqft
1282 CITRUS LANDINGS Boulevard, Davenport
FHA
Active
46$324,900$53,700 down
- Rate
- 2.87%
6.95%today- Payment
- $1,262/mo
$2,015today
- 4beds
- 2baths
- 1,600sqft
490 DISA Drive, Davenport
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 Poinciana.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 32
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 5.01%
- Median list price
- $275,250
- Median cash to assume
- $110,799
Poinciana listings by locked rate
- Under 4%12 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up13 homes
Poinciana listings by loan type
- FHA30 homesmedian 5.07%
- VA2 homesmedian 4.61%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Poinciana ZIP code.
Each ZIP opens the Poinciana map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Poinciana numbers
What an assumable ratedoes to a Poinciana payment.
The sliders start at the median Poinciana assumable listing: $275,250 list price and a 5.01% 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)$110,000
40% 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 Poinciana
$946/mo
New loan at 7.20%$1,120
Assumed at 5.00%
$946
Every month$174
Over five years$10,439
Interest you never pay$108,04326-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 Poinciana listing on UMe shows the actual balance, rate, and payment.
How it works in Poinciana
How to assumea mortgage in Poinciana.
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 a Poinciana home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Poinciana 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 $110,799 in Poinciana 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 a Poinciana payment written in a different decade.
Poinciana questions
Assuming a mortgagein Poinciana.
The numbers below come from current Poinciana inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Poinciana?
As of September 2026, UMe tracks 32 active assumable listings in Poinciana. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Poinciana?
Current Poinciana inventory breaks down as FHA (30, median 5.07%) and VA (2, median 4.61%). 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 Poinciana?
The lowest rate on an active Poinciana assumable listing is 2.77%, and the median across all 32 listings is 5.01%. 12 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 Poinciana?
Across current Poinciana listings, the median principal-and-interest payment on the assumable loan is $1,409 per month versus $1,878 for the same balance at today's rates, a difference of about $469 every month, or $5,629 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 Poinciana?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Poinciana that gap is currently a median of $110,799 on a median list price of $275,250. 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 Poinciana ZIP codes have the most assumable homes?
The Poinciana ZIP codes with the most active assumable listings are 34759 (31) and 34758 (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 Poinciana?
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 Poinciana.The rate is already on the house.
Every listing on the Poinciana map has a rate you can take over. Start with the ones in Poinciana, get pre-qualified in minutes, and let UMe carry the assumption to closing.
