FHA
Active
45$489,900$278,822 down
- Rate
- 2.89%
6.95%today- Payment
- $1,010/mo
$1,608today
- 3beds
- 3baths
- 1,836sqft
Pomona Park, Florida
Assumable homes for salein Pomona Park, Florida.
1 home in Pomona Park carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.99%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pomona Park assumable market
by the numbers.
1active assumable listing
6.99%lowest locked rate
$390kmedian list price
$111saved per month vs. 7.2%
About the market
Assumable mortgagesin Pomona Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Pomona Park. Updated August 2026.
How assumptions work for buyersPomona Park, Florida has 1 home for sale with an assumable mortgage as of August 2026: 1 FHA 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 Pomona Park assumable listings start at 6.99% with a median of 6.99%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Pomona Park lists for $389,900, with a median of $121,679 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 $2,057 a month versus $2,169 for the same balance at today's rate, roughly $111 kept every month and $1,335 a year. The most active Pomona Park ZIP codes are 32181 (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 Pomona Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pomona Park
View all 1 on the map Homes on the marketin Pomona Park.
VA
Active
72$1,250,000$884,489 down
- Rate
- 3.10%
6.95%today- Payment
- $1,737/mo
$2,693today
- 3beds
- 3baths
- 3,006sqft
301 SARATOGA Drive, Satsuma
FHA
Active
38$220,000$17,202 down
- Rate
- 7.07%
6.95%today- Payment
- $1,401/mo
$1,384today
- 3beds
- 2baths
- 1,728sqft
129 PATRICIAN Place, Satsuma
FHA
Active
26$180,000$25,472 down
- Rate
- 6.11%
6.95%today- Payment
- $941/mo
$1,027today
- 2beds
- 1baths
- 850sqft
1508 ROSELLE Avenue, Palatka
FHA
Active
28$229,000$44,742 down
- Rate
- 6.39%
6.95%today- Payment
- $1,196/mo
$1,267today
- 3beds
- 2baths
- 1,296sqft
231 TROPIC Avenue, Satsuma
FHA
Active
40$389,900$87,456 down
- Rate
- 6.99%
6.95%today- Payment
- $2,057/mo
$2,049today
- 3beds
- 2baths
- 1,248sqft
374 SISCO Road, Pomona Park
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 Pomona Park.
Live counts from the MLS feeds we index for Florida. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.99%
- Median rate
- 6.99%
- Median list price
- $389,900
- Median cash to assume
- $121,679
Pomona Park listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Pomona Park listings by loan type
- FHA1 homemedian 6.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pomona Park ZIP code.
Each ZIP opens the Pomona Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pomona Park numbers
What an assumable ratedoes to a Pomona Park payment.
The sliders start at the median Pomona Park assumable listing: $389,900 list price and a 6.99% 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)$120,000
31% 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 Pomona Park
$1,881/mo
New loan at 7.20%$1,833
Assumed at 7.00%
$1,881
Every month$0
Over five years$0
Interest you never pay$72,76626-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 Pomona Park listing on UMe shows the actual balance, rate, and payment.
How it works in Pomona Park
How to assumea mortgage in Pomona Park.
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 Pomona Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pomona Park 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 $121,679 in Pomona Park 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 Pomona Park payment written in a different decade.
Pomona Park questions
Assuming a mortgagein Pomona Park.
The numbers below come from current Pomona Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pomona Park?
As of August 2026, UMe tracks 1 active assumable listing in Pomona Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pomona Park?
Current Pomona Park inventory breaks down as FHA (1, median 6.99%). 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 Pomona Park?
The lowest rate on an active Pomona Park assumable listing is 6.99%, and the median across all 1 listing is 6.99%. 0 listings are under 4% and 0 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 Pomona Park?
Across current Pomona Park listings, the median principal-and-interest payment on the assumable loan is $2,057 per month versus $2,169 for the same balance at today's rates, a difference of about $111 every month, or $1,335 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 Pomona Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pomona Park that gap is currently a median of $121,679 on a median list price of $389,900. 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 Pomona Park ZIP codes have the most assumable homes?
The Pomona Park ZIP codes with the most active assumable listings are 32181 (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 Pomona Park?
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 Pomona Park.The rate is already on the house.
Every listing on the Pomona Park map has a rate you can take over. Start with the ones in Pomona Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
