VATop pick
Active
28$182,850Potential short sale
- Rate
- 2.77%
6.95%today- Payment
- $863/mo
$1,395today
- 2beds
- 2baths
- 1,195sqft
Weeki Wachee, Florida
Assumable homes for salein Weeki Wachee, Florida.
14 homes in Weeki Wachee carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.99%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Weeki Wachee assumable market
by the numbers.
14active assumable listings
2.99%lowest locked rate
$388kmedian list price
$405saved per month vs. 7.2%
About the market
Assumable mortgagesin Weeki Wachee, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Weeki Wachee. Updated September 2026.
How assumptions work for buyersWeeki Wachee, Florida has 14 homes for sale with an assumable mortgage as of September 2026: 10 FHA loans and 4 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 Weeki Wachee assumable listings start at 2.99% with a median of 6.20%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Weeki Wachee lists for $387,500, with a median of $84,095 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 $1,693 a month versus $2,098 for the same balance at today's rate, roughly $405 kept every month and $4,860 a year. The most active Weeki Wachee ZIP codes are 34614 (7), 34613 (5), and 34607 (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 Weeki Wachee assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Weeki Wachee
View all 14 on the map Homes on the marketin Weeki Wachee.
VATop pick
Active
38$385,000Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $2,153/mo
$3,337today
- 3beds
- 2baths
- 1,846sqft
11333 SILVERWOOD Court, Spring Hill
FHA
Active
38$324,900$43,206 down
- Rate
- 3.45%
6.95%today- Payment
- $1,383/mo
$2,051today
- 4beds
- 2baths
- 1,939sqft
518 ARGYLL Drive, Spring Hill
FHA
Active
26$270,000$41,880 down
- Rate
- 3.45%
6.95%today- Payment
- $1,117/mo
$1,657today
- 4beds
- 2baths
- 1,565sqft
1495 BISHOP Road, Spring Hill
FHA
Active
30$335,000$68,058 down
- Rate
- 2.86%
6.95%today- Payment
- $1,238/mo
$1,979today
- 4beds
- 3baths
- 2,380sqft
2254 MARBLE Avenue, Spring Hill
FHA
Active
27$319,900$70,280 down
- Rate
- 2.99%
6.95%today- Payment
- $1,182/mo
$1,859today
- 3beds
- 3baths
- 1,935sqft
13322 JAY Court, Spring Hill
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 Weeki Wachee.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 14
- UMe Certified / verified
- 0
- Lowest rate
- 2.99%
- Median rate
- 6.20%
- Median list price
- $387,500
- Median cash to assume
- $84,095
Weeki Wachee listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up8 homes
Weeki Wachee listings by loan type
- FHA10 homesmedian 5.83%
- VA4 homesmedian 6.54%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Weeki Wachee ZIP code.
Each ZIP opens the Weeki Wachee map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Weeki Wachee numbers
What an assumable ratedoes to a Weeki Wachee payment.
The sliders start at the median Weeki Wachee assumable listing: $387,500 list price and a 6.20% 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)$85,000
22% 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 Weeki Wachee
$1,971/mo
New loan at 7.20%$2,070
Assumed at 6.20%
$1,971
Every month$100
Over five years$5,984
Interest you never pay$130,49026-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 Weeki Wachee listing on UMe shows the actual balance, rate, and payment.
How it works in Weeki Wachee
How to assumea mortgage in Weeki Wachee.
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 Weeki Wachee home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Weeki Wachee 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 $84,095 in Weeki Wachee 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 Weeki Wachee payment written in a different decade.
Weeki Wachee questions
Assuming a mortgagein Weeki Wachee.
The numbers below come from current Weeki Wachee inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Weeki Wachee?
As of September 2026, UMe tracks 14 active assumable listings in Weeki Wachee. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Weeki Wachee?
Current Weeki Wachee inventory breaks down as FHA (10, median 5.83%) and VA (4, median 6.54%). 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 Weeki Wachee?
The lowest rate on an active Weeki Wachee assumable listing is 2.99%, and the median across all 14 listings is 6.20%. 4 listings are under 4% and 4 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 Weeki Wachee?
Across current Weeki Wachee listings, the median principal-and-interest payment on the assumable loan is $1,693 per month versus $2,098 for the same balance at today's rates, a difference of about $405 every month, or $4,860 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 Weeki Wachee?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Weeki Wachee that gap is currently a median of $84,095 on a median list price of $387,500. 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 Weeki Wachee ZIP codes have the most assumable homes?
The Weeki Wachee ZIP codes with the most active assumable listings are 34614 (7), 34613 (5), and 34607 (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 Weeki Wachee?
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 Weeki Wachee.The rate is already on the house.
Every listing on the Weeki Wachee map has a rate you can take over. Start with the ones in Weeki Wachee, get pre-qualified in minutes, and let UMe carry the assumption to closing.
