VATop pick
Active
9$235,000Potential short sale
- Rate
- 3.22%
6.95%today- Payment
- $1,127/mo
$1,721today
- 3beds
- 2baths
- 1,252sqft
Reunion, Florida
Assumable homes for salein Reunion, Florida.
3 homes in Reunion carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Reunion assumable market
by the numbers.
3active assumable listings
2.70%lowest locked rate
$400kmedian list price
$765saved per month vs. 7.2%
About the market
Assumable mortgagesin Reunion, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Reunion. Updated September 2026.
How assumptions work for buyersReunion, Florida has 3 homes for sale with an assumable mortgage as of September 2026: 2 VA loans and 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 Reunion assumable listings start at 2.70% with a median of 4.49%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Reunion lists for $400,000, with a median of $230,812 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 $1,961 a month versus $2,726 for the same balance at today's rate, roughly $765 kept every month and $9,175 a year. The most active Reunion ZIP codes are 34747 (3).
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 Reunion assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Reunion
View all 3 on the map Homes on the marketin Reunion.
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
38$320,000$8,896 down
- Rate
- 2.84%
6.95%today- Payment
- $1,440/mo
$2,307today
- 4beds
- 3baths
- 3,628sqft
1009 RONLIN Street, Haines City
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 Reunion.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.70%
- Median rate
- 4.49%
- Median list price
- $400,000
- Median cash to assume
- $230,812
Reunion listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Reunion listings by loan type
- VA2 homesmedian 2.70%
- FHA1 homemedian 6.28%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Reunion ZIP code.
Each ZIP opens the Reunion map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Reunion numbers
What an assumable ratedoes to a Reunion payment.
The sliders start at the median Reunion assumable listing: $400,000 list price and a 4.49% 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)$230,000
57% 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 Reunion
$925/mo
New loan at 7.20%$1,154
Assumed at 4.50%
$925
Every month$229
Over five years$13,717
Interest you never pay$126,72026-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 Reunion listing on UMe shows the actual balance, rate, and payment.
How it works in Reunion
How to assumea mortgage in Reunion.
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 Reunion home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Reunion 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 $230,812 in Reunion 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 Reunion payment written in a different decade.
Reunion questions
Assuming a mortgagein Reunion.
The numbers below come from current Reunion inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Reunion?
As of September 2026, UMe tracks 3 active assumable listings in Reunion. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Reunion?
Current Reunion inventory breaks down as VA (2, median 2.70%) and FHA (1, median 6.28%). 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 Reunion?
The lowest rate on an active Reunion assumable listing is 2.70%, and the median across all 3 listings is 4.49%. 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 Reunion?
Across current Reunion listings, the median principal-and-interest payment on the assumable loan is $1,961 per month versus $2,726 for the same balance at today's rates, a difference of about $765 every month, or $9,175 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 Reunion?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Reunion that gap is currently a median of $230,812 on a median list price of $400,000. 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 Reunion ZIP codes have the most assumable homes?
The Reunion ZIP codes with the most active assumable listings are 34747 (3). 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 Reunion?
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 Reunion.The rate is already on the house.
Every listing on the Reunion map has a rate you can take over. Start with the ones in Reunion, get pre-qualified in minutes, and let UMe carry the assumption to closing.
