FHA
Active
61$299,900$5,496 down
- Rate
- 3.89%
6.95%today- Payment
- $1,513/mo
$2,125today
- 3beds
- 2baths
- 1,649sqft
Tavares, Florida
Assumable homes for salein Tavares, Florida.
23 homes in Tavares carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Tavares assumable market
by the numbers.
23active assumable listings
2.80%lowest locked rate
$300kmedian list price
$403saved per month vs. 7.2%
About the market
Assumable mortgagesin Tavares, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Tavares. Updated September 2026.
How assumptions work for buyersTavares, Florida has 23 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 7 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 Tavares assumable listings start at 2.80% with a median of 6.39%; 5 listings are under 4% and 8 are under 5%.
The median assumable home in Tavares lists for $299,900, with a median of $43,561 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 $1,454 a month versus $1,857 for the same balance at today's rate, roughly $403 kept every month and $4,830 a year. The most active Tavares ZIP codes are 32778 (23).
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 Tavares assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tavares
View all 23 on the map Homes on the marketin Tavares.
FHA
Active
21$350,000$54,786 down
- Rate
- 3.45%
6.95%today- Payment
- $1,446/mo
$2,145today
- 4beds
- 4baths
- 2,052sqft
2219 PICO Lane, Mount Dora
VA
Active
42$353,900$80,992 down
- Rate
- 2.84%
6.95%today- Payment
- $1,263/mo
$2,024today
- 4beds
- 2baths
- 1,941sqft
7830 SLOEWOOD Drive, Leesburg
FHA
Active
35$285,900$74,130 down
- Rate
- 3.04%
6.95%today- Payment
- $1,013/mo
$1,583today
- 3beds
- 2baths
- 1,858sqft
4617 MANOR VIEW Drive, Leesburg
FHA
Active
22$245,000$56,219 down
- Rate
- 3.06%
6.95%today- Payment
- $903/mo
$1,407today
- 3beds
- 2baths
- 2,075sqft
4322 CASAURINA Road, Lady Lake
FHA
Active
36$195,000$72,811 down
- Rate
- 2.73%
6.95%today- Payment
- $568/mo
$923today
- 3beds
- 3baths
- 1,440sqft
11600 RANCHO Drive, Leesburg
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 Tavares.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 23
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 6.39%
- Median list price
- $299,900
- Median cash to assume
- $43,561
Tavares listings by locked rate
- Under 4%5 homes
- 4% – 5%3 homes
- 5% – 6%1 home
- 6% and up14 homes
Tavares listings by loan type
- FHA16 homesmedian 6.33%
- VA7 homesmedian 6.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tavares ZIP code.
Each ZIP opens the Tavares map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Tavares numbers
What an assumable ratedoes to a Tavares payment.
The sliders start at the median Tavares assumable listing: $299,900 list price and a 6.39% 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)$45,000
15% 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 Tavares
$1,679/mo
New loan at 7.20%$1,731
Assumed at 6.40%
$1,679
Every month$51
Over five years$3,087
Interest you never pay$99,13426-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 Tavares listing on UMe shows the actual balance, rate, and payment.
How it works in Tavares
How to assumea mortgage in Tavares.
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 Tavares home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tavares 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 $43,561 in Tavares 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 Tavares payment written in a different decade.
Tavares questions
Assuming a mortgagein Tavares.
The numbers below come from current Tavares inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tavares?
As of September 2026, UMe tracks 23 active assumable listings in Tavares. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tavares?
Current Tavares inventory breaks down as FHA (16, median 6.33%) and VA (7, median 6.57%). 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 Tavares?
The lowest rate on an active Tavares assumable listing is 2.80%, and the median across all 23 listings is 6.39%. 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 Tavares?
Across current Tavares listings, the median principal-and-interest payment on the assumable loan is $1,454 per month versus $1,857 for the same balance at today's rates, a difference of about $403 every month, or $4,830 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 Tavares?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tavares that gap is currently a median of $43,561 on a median list price of $299,900. 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 Tavares ZIP codes have the most assumable homes?
The Tavares ZIP codes with the most active assumable listings are 32778 (23). 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 Tavares?
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 Tavares.The rate is already on the house.
Every listing on the Tavares map has a rate you can take over. Start with the ones in Tavares, get pre-qualified in minutes, and let UMe carry the assumption to closing.
