VA
Active
19$284,900$30,310 down
- Rate
- 3.45%
6.95%today- Payment
- $1,250/mo
$1,853today
- 2beds
- 2baths
- 1,186sqft
Wildwood, Florida
Assumable homes for salein Wildwood, Florida.
6 homes in Wildwood carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wildwood assumable market
by the numbers.
6active assumable listings
2.84%lowest locked rate
$325kmedian list price
$607saved per month vs. 7.2%
About the market
Assumable mortgagesin Wildwood, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Wildwood. Updated September 2026.
How assumptions work for buyersWildwood, Florida has 6 homes for sale with an assumable mortgage as of September 2026: 3 FHA loans and 3 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 Wildwood assumable listings start at 2.84% with a median of 5.33%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Wildwood lists for $324,500, with a median of $92,437 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 $1,002 a month versus $1,609 for the same balance at today's rate, roughly $607 kept every month and $7,283 a year. The most active Wildwood ZIP codes are 34785 (6).
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 Wildwood assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Wildwood
View all 6 on the map Homes on the marketin Wildwood.
FHA
Active
37$214,990$31,667 down
- Rate
- 3.56%
6.95%today- Payment
- $911/mo
$1,332today
- 3beds
- 2baths
- 1,073sqft
1405 PEMBROOK Drive, Leesburg
FHA
Active
27$265,000$71,603 down
- Rate
- 3.13%
6.95%today- Payment
- $934/mo
$1,443today
- 3beds
- 2baths
- 1,543sqft
3418 155TH Place, Ocala
FHA
Active
45$260,900$54,252 down
- Rate
- 3.14%
6.95%today- Payment
- $984/mo
$1,518today
- 3beds
- 2baths
- 1,446sqft
17424 111TH Avenue, Summerfield
FHA
Active
22$350,000$26,855 down
- Rate
- 4.01%
6.95%today- Payment
- $2,058/mo
$2,850today
- 2beds
- 2baths
- 1,770sqft
867 CORTEZ Avenue, The Villages
VA
Active
$155,000$38,184 down
- Rate
- 3.44%
6.95%today- Payment
- $668/mo
$992today
- 2beds
- 2baths
- 1,185sqft
2407 SOUTH AVENUE, 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 Wildwood.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 5.33%
- Median list price
- $324,500
- Median cash to assume
- $92,437
Wildwood listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up3 homes
Wildwood listings by loan type
- FHA3 homesmedian 2.94%
- VA3 homesmedian 6.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Wildwood ZIP code.
Each ZIP opens the Wildwood map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Wildwood numbers
What an assumable ratedoes to a Wildwood payment.
The sliders start at the median Wildwood assumable listing: $324,500 list price and a 5.33% 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)$95,000
29% 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 Wildwood
$1,366/mo
New loan at 7.20%$1,561
Assumed at 5.35%
$1,366
Every month$195
Over five years$11,684
Interest you never pay$135,69226-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 Wildwood listing on UMe shows the actual balance, rate, and payment.
How it works in Wildwood
How to assumea mortgage in Wildwood.
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 Wildwood home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wildwood 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 $92,437 in Wildwood 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 Wildwood payment written in a different decade.
Wildwood questions
Assuming a mortgagein Wildwood.
The numbers below come from current Wildwood inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wildwood?
As of September 2026, UMe tracks 6 active assumable listings in Wildwood. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wildwood?
Current Wildwood inventory breaks down as FHA (3, median 2.94%) and VA (3, median 6.78%). 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 Wildwood?
The lowest rate on an active Wildwood assumable listing is 2.84%, and the median across all 6 listings is 5.33%. 3 listings are under 4% and 3 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 Wildwood?
Across current Wildwood listings, the median principal-and-interest payment on the assumable loan is $1,002 per month versus $1,609 for the same balance at today's rates, a difference of about $607 every month, or $7,283 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 Wildwood?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wildwood that gap is currently a median of $92,437 on a median list price of $324,500. 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 Wildwood ZIP codes have the most assumable homes?
The Wildwood ZIP codes with the most active assumable listings are 34785 (6). 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 Wildwood?
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 Wildwood.The rate is already on the house.
Every listing on the Wildwood map has a rate you can take over. Start with the ones in Wildwood, get pre-qualified in minutes, and let UMe carry the assumption to closing.
