VATop pick
Active
26$300,000$15,597 down
- Rate
- 2.96%
6.95%today- Payment
- $1,343/mo
$2,119today
- 3beds
- 3baths
- 1,776sqft
Windermere, Florida
Assumable homes for salein Windermere, Florida.
4 homes in Windermere carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.17%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Windermere assumable market
by the numbers.
4active assumable listings
4.17%lowest locked rate
$537kmedian list price
$361saved per month vs. 7.2%
About the market
Assumable mortgagesin Windermere, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Windermere. Updated September 2026.
How assumptions work for buyersWindermere, Florida has 4 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 2 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 Windermere assumable listings start at 4.17% with a median of 5.75%; 0 listings are under 4% and 2 are under 5%.
The median assumable home in Windermere lists for $537,400, with a median of $251,286 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 $2,158 a month versus $2,519 for the same balance at today's rate, roughly $361 kept every month and $4,336 a year. The most active Windermere ZIP codes are 34786 (4).
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 Windermere assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Windermere
View all 4 on the map Homes on the marketin Windermere.
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
VA
Active
33$565,000$101,539 down
- Rate
- 2.87%
6.95%today- Payment
- $2,152/mo
$3,436today
- 4beds
- 5baths
- 3,459sqft
3443 TUMBLING RIVER Drive, Clermont
VA
Active
11$239,000$17,238 down
- Rate
- 3.07%
6.95%today- Payment
- $1,048/mo
$1,631today
- 3beds
- 3baths
- 1,503sqft
1407 RETREAT Circle, Clermont
FHA
Active
37$310,000$73,794 down
- Rate
- 2.87%
6.95%today- Payment
- $1,099/mo
$1,755today
- 4beds
- 4baths
- 1,852sqft
2707 CAMARO Drive, Kissimmee
VA
Active
56$544,400$132,327 down
- Rate
- 2.87%
6.95%today- Payment
- $1,918/mo
$3,061today
- 3beds
- 3baths
- 2,216sqft
15741 FOUNTAIN SPRINGS Road, Winter Garden
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 Windermere.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 4.17%
- Median rate
- 5.75%
- Median list price
- $537,400
- Median cash to assume
- $251,286
Windermere listings by locked rate
- Under 4%0 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up2 homes
Windermere listings by loan type
- FHA2 homesmedian 5.51%
- VA2 homesmedian 5.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Windermere ZIP code.
Each ZIP opens the Windermere map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Windermere numbers
What an assumable ratedoes to a Windermere payment.
The sliders start at the median Windermere assumable listing: $537,400 list price and a 5.75% 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)$250,000
47% 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 Windermere
$1,762/mo
New loan at 7.20%$1,935
Assumed at 5.75%
$1,762
Every month$172
Over five years$10,340
Interest you never pay$146,62726-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 Windermere listing on UMe shows the actual balance, rate, and payment.
How it works in Windermere
How to assumea mortgage in Windermere.
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 Windermere home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Windermere 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 $251,286 in Windermere 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 Windermere payment written in a different decade.
Windermere questions
Assuming a mortgagein Windermere.
The numbers below come from current Windermere inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Windermere?
As of September 2026, UMe tracks 4 active assumable listings in Windermere. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Windermere?
Current Windermere inventory breaks down as FHA (2, median 5.51%) and VA (2, median 5.75%). 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 Windermere?
The lowest rate on an active Windermere assumable listing is 4.17%, and the median across all 4 listings is 5.75%. 0 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 Windermere?
Across current Windermere listings, the median principal-and-interest payment on the assumable loan is $2,158 per month versus $2,519 for the same balance at today's rates, a difference of about $361 every month, or $4,336 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 Windermere?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Windermere that gap is currently a median of $251,286 on a median list price of $537,400. 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 Windermere ZIP codes have the most assumable homes?
The Windermere ZIP codes with the most active assumable listings are 34786 (4). 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 Windermere?
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 Windermere.The rate is already on the house.
Every listing on the Windermere map has a rate you can take over. Start with the ones in Windermere, get pre-qualified in minutes, and let UMe carry the assumption to closing.
