FHA
Active
26$375,000$281,385 down
- Rate
- 2.84%
6.95%today- Payment
- $441/mo
$707today
- 3beds
- 2baths
- 2,100sqft
Williston, Florida
Assumable homes for salein Williston, Florida.
7 homes in Williston carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.09%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Williston assumable market
by the numbers.
7active assumable listings
3.09%lowest locked rate
$200kmedian list price
$200saved per month vs. 7.2%
About the market
Assumable mortgagesin Williston, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Williston. Updated September 2026.
How assumptions work for buyersWilliston, Florida has 7 homes for sale with an assumable mortgage as of September 2026: 7 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 Williston assumable listings start at 3.09% with a median of 6.04%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Williston lists for $199,900, with a median of $32,443 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 $1,038 a month versus $1,238 for the same balance at today's rate, roughly $200 kept every month and $2,401 a year. The most active Williston ZIP codes are 32696 (7).
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 Williston assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Williston
View all 7 on the map Homes on the marketin Williston.
FHA
Active
83$824,900$454,163 down
- Rate
- 2.87%
6.95%today- Payment
- $1,710/mo
$2,730today
- 3beds
- 3baths
- 2,741sqft
6351 140 Avenue, Morriston
FHA
Active
21$199,900$104,836 down
- Rate
- 3.09%
6.95%today- Payment
- $451/mo
$700today
- 3beds
- 2baths
- 1,188sqft
13191 9TH Street, Williston
VA
Active
60$362,500$282,144 down
- Rate
- 3.50%
6.95%today- Payment
- $539/mo
$794today
- 3beds
- 2baths
- 2,330sqft
13076 154TH Street, Archer
FHA
Active
23$159,900$159,900 down
- Rate
- 3.50%
6.95%today- Payment
- $0/mo
- 2beds
- 2baths
- 960sqft
971 134TH Court, Williston
FHA
Active
59$459,900$248,230 down
- Rate
- 3.73%
6.95%today- Payment
- $1,138/mo
$1,631today
- 3beds
- 2baths
- 1,456sqft
15027 91ST Street, Archer
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 Williston.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 3.09%
- Median rate
- 6.04%
- Median list price
- $199,900
- Median cash to assume
- $32,443
Williston listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up3 homes
Williston listings by loan type
- FHA7 homesmedian 6.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Williston ZIP code.
Each ZIP opens the Williston map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Williston numbers
What an assumable ratedoes to a Williston payment.
The sliders start at the median Williston assumable listing: $199,900 list price and a 6.04% 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)$35,000
18% 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 Williston
$1,051/mo
New loan at 7.20%$1,120
Assumed at 6.05%
$1,051
Every month$69
Over five years$4,160
Interest you never pay$75,39126-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 Williston listing on UMe shows the actual balance, rate, and payment.
How it works in Williston
How to assumea mortgage in Williston.
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 Williston home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Williston 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 $32,443 in Williston 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 Williston payment written in a different decade.
Williston questions
Assuming a mortgagein Williston.
The numbers below come from current Williston inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Williston?
As of September 2026, UMe tracks 7 active assumable listings in Williston. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Williston?
Current Williston inventory breaks down as FHA (7, median 6.04%). 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 Williston?
The lowest rate on an active Williston assumable listing is 3.09%, and the median across all 7 listings is 6.04%. 2 listings are under 4% and 2 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 Williston?
Across current Williston listings, the median principal-and-interest payment on the assumable loan is $1,038 per month versus $1,238 for the same balance at today's rates, a difference of about $200 every month, or $2,401 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 Williston?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Williston that gap is currently a median of $32,443 on a median list price of $199,900. 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 Williston ZIP codes have the most assumable homes?
The Williston ZIP codes with the most active assumable listings are 32696 (7). 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 Williston?
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 Williston.The rate is already on the house.
Every listing on the Williston map has a rate you can take over. Start with the ones in Williston, get pre-qualified in minutes, and let UMe carry the assumption to closing.
