FHA
Active
33$299,900$26,087 down
- Rate
- 3.69%
6.95%today- Payment
- $1,377/mo
$1,982today
- 4beds
- 1baths
- 1,781sqft
Ponce Inlet, Florida
Assumable homes for salein Ponce Inlet, Florida.
2 homes in Ponce Inlet carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.75%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Ponce Inlet assumable market
by the numbers.
2active assumable listings
3.75%lowest locked rate
$612kmedian list price
$1,161saved per month vs. 7.2%
About the market
Assumable mortgagesin Ponce Inlet, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Ponce Inlet. Updated September 2026.
How assumptions work for buyersPonce Inlet, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 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 Ponce Inlet assumable listings start at 3.75% with a median of 5.24%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Ponce Inlet lists for $611,950, with a median of $53,297 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 $3,103 a month versus $4,263 for the same balance at today's rate, roughly $1,161 kept every month and $13,927 a year. The most active Ponce Inlet ZIP codes are 32127 (2).
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 Ponce Inlet assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ponce Inlet
View all 2 on the map Homes on the marketin Ponce Inlet.
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
54$874,900$41,689 down
- Rate
- 3.75%
6.95%today- Payment
- $4,201/mo
$6,004today
- 3beds
- 3baths
- 2,190sqft
4767 ATLANTIC Avenue #402, Ponce Inlet
VA
Active
50$525,000$98,369 down
- Rate
- 3.85%
6.95%today- Payment
- $2,178/mo
$3,076today
- 4beds
- 4baths
- 2,651sqft
6239 WOODHAVEN VILLAGE Drive, Port Orange
FHA
Active
34$339,000$101,677 down
- Rate
- 2.78%
6.95%today- Payment
- $1,117/mo
$1,804today
- 3beds
- 2baths
- 1,610sqft
3118 BORASSUS Drive, New Smyrna 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 Ponce Inlet.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.75%
- Median rate
- 5.24%
- Median list price
- $611,950
- Median cash to assume
- $53,297
Ponce Inlet listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Ponce Inlet listings by loan type
- VA2 homesmedian 5.24%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ponce Inlet ZIP code.
Each ZIP opens the Ponce Inlet map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ponce Inlet numbers
What an assumable ratedoes to a Ponce Inlet payment.
The sliders start at the median Ponce Inlet assumable listing: $611,950 list price and a 5.24% 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)$50,000
8% 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 Ponce Inlet
$3,294/mo
New loan at 7.20%$3,801
Assumed at 5.25%
$3,294
Every month$508
Over five years$30,454
Interest you never pay$340,82126-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 Ponce Inlet listing on UMe shows the actual balance, rate, and payment.
How it works in Ponce Inlet
How to assumea mortgage in Ponce Inlet.
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 Ponce Inlet home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ponce Inlet 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 $53,297 in Ponce Inlet 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 Ponce Inlet payment written in a different decade.
Ponce Inlet questions
Assuming a mortgagein Ponce Inlet.
The numbers below come from current Ponce Inlet inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ponce Inlet?
As of September 2026, UMe tracks 2 active assumable listings in Ponce Inlet. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ponce Inlet?
Current Ponce Inlet inventory breaks down as VA (2, median 5.24%). 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 Ponce Inlet?
The lowest rate on an active Ponce Inlet assumable listing is 3.75%, and the median across all 2 listings is 5.24%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Ponce Inlet?
Across current Ponce Inlet listings, the median principal-and-interest payment on the assumable loan is $3,103 per month versus $4,263 for the same balance at today's rates, a difference of about $1,161 every month, or $13,927 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 Ponce Inlet?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ponce Inlet that gap is currently a median of $53,297 on a median list price of $611,950. 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 Ponce Inlet ZIP codes have the most assumable homes?
The Ponce Inlet ZIP codes with the most active assumable listings are 32127 (2). 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 Ponce Inlet?
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 Ponce Inlet.The rate is already on the house.
Every listing on the Ponce Inlet map has a rate you can take over. Start with the ones in Ponce Inlet, get pre-qualified in minutes, and let UMe carry the assumption to closing.
