VA
Active
83$574,000$88,555 down
- Rate
- 2.90%
6.95%today- Payment
- $2,262/mo
$3,597today
- 4beds
- 3baths
- 2,506sqft
Port Orange, Florida
Assumable homes for salein Port Orange, Florida.
17 homes in Port Orange carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Port Orange assumable market
by the numbers.
17active assumable listings
2.65%lowest locked rate
$335kmedian list price
$526saved per month vs. 7.2%
About the market
Assumable mortgagesin Port Orange, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Port Orange. Updated September 2026.
How assumptions work for buyersPort Orange, Florida has 17 homes for sale with an assumable mortgage as of September 2026: 9 VA loans and 8 FHA 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 Port Orange assumable listings start at 2.65% with a median of 5.30%; 5 listings are under 4% and 8 are under 5%.
The median assumable home in Port Orange lists for $335,000, with a median of $108,336 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 $1,711 a month versus $2,237 for the same balance at today's rate, roughly $526 kept every month and $6,309 a year. The most active Port Orange ZIP codes are 32127 (9), 32128 (6), and 32129 (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 Port Orange assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Port Orange
View all 17 on the map Homes on the marketin Port Orange.
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
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
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 Port Orange.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 5.30%
- Median list price
- $335,000
- Median cash to assume
- $108,336
Port Orange listings by locked rate
- Under 4%5 homes
- 4% – 5%3 homes
- 5% – 6%1 home
- 6% and up8 homes
Port Orange listings by loan type
- VA9 homesmedian 4.50%
- FHA8 homesmedian 5.90%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Port Orange ZIP code.
Each ZIP opens the Port Orange map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Port Orange numbers
What an assumable ratedoes to a Port Orange payment.
The sliders start at the median Port Orange assumable listing: $335,000 list price and a 5.30% 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
33% 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 Port Orange
$1,330/mo
New loan at 7.20%$1,527
Assumed at 5.30%
$1,330
Every month$197
Over five years$11,833
Interest you never pay$134,84326-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 Port Orange listing on UMe shows the actual balance, rate, and payment.
How it works in Port Orange
How to assumea mortgage in Port Orange.
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 Port Orange home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Port Orange 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 $108,336 in Port Orange 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 Port Orange payment written in a different decade.
Port Orange questions
Assuming a mortgagein Port Orange.
The numbers below come from current Port Orange inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Port Orange?
As of September 2026, UMe tracks 17 active assumable listings in Port Orange. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Port Orange?
Current Port Orange inventory breaks down as VA (9, median 4.50%) and FHA (8, median 5.90%). 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 Port Orange?
The lowest rate on an active Port Orange assumable listing is 2.65%, and the median across all 17 listings is 5.30%. 5 listings are under 4% and 8 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 Port Orange?
Across current Port Orange listings, the median principal-and-interest payment on the assumable loan is $1,711 per month versus $2,237 for the same balance at today's rates, a difference of about $526 every month, or $6,309 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 Port Orange?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Port Orange that gap is currently a median of $108,336 on a median list price of $335,000. 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 Port Orange ZIP codes have the most assumable homes?
The Port Orange ZIP codes with the most active assumable listings are 32127 (9), 32128 (6), and 32129 (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 Port Orange?
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 Port Orange.The rate is already on the house.
Every listing on the Port Orange map has a rate you can take over. Start with the ones in Port Orange, get pre-qualified in minutes, and let UMe carry the assumption to closing.
