VA
Active
33$350,000$56,301 down
- Rate
- 2.97%
7.28%today- Payment
- $1,398/mo
$2,277today
- 3beds
- 2baths
- 2,156sqft
Okahumpka, Florida
Assumable homes for salein Okahumpka, Florida.
1 home in Okahumpka carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.27%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Okahumpka assumable market
by the numbers.
1active assumable listing
6.27%lowest locked rate
$390kmedian list price
$324saved per month vs. 7.2%
About the market
Assumable mortgagesin Okahumpka, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Okahumpka. Updated October 2026.
How assumptions work for buyersOkahumpka, Florida has 1 home for sale with an assumable mortgage as of October 2026: 1 FHA loan 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 Okahumpka assumable listings start at 6.27% with a median of 6.27%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Okahumpka lists for $390,000, with a median of $5,101 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 $2,393 a month versus $2,717 for the same balance at today's rate, roughly $324 kept every month and $3,890 a year. The most active Okahumpka ZIP codes are 34762 (1).
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 Okahumpka assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Okahumpka
View all 1 on the map Homes on the marketin Okahumpka.
FHA
Active
61$279,900Potential short sale
- Rate
- 3.89%
7.28%today- Payment
- $1,513/mo
$2,197today
- 3beds
- 2baths
- 1,649sqft
4531 TREASURE CAY Road, Tavares
FHA
Active
33$305,000$78,503 down
- Rate
- 2.73%
7.28%today- Payment
- $1,052/mo
$1,768today
- 4beds
- 2baths
- 1,867sqft
3871 BRANT Place, Leesburg
VA
Active
42$343,000$70,709 down
- Rate
- 2.84%
7.28%today- Payment
- $1,263/mo
$2,092today
- 4beds
- 2baths
- 1,941sqft
7830 SLOEWOOD Drive, Leesburg
FHA
Active
23$295,000$39,684 down
- Rate
- 2.84%
7.28%today- Payment
- $1,184/mo
$1,962today
- 3beds
- 2baths
- 1,856sqft
115 CRESCENT MOON Drive, Groveland
FHA
Active
35$285,900$74,130 down
- Rate
- 3.04%
7.28%today- Payment
- $1,013/mo
$1,636today
- 3beds
- 2baths
- 1,858sqft
4617 MANOR VIEW 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 Okahumpka.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.27%
- Median rate
- 6.27%
- Median list price
- $390,000
- Median cash to assume
- $5,101
Okahumpka listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Okahumpka listings by loan type
- FHA1 homemedian 6.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Okahumpka ZIP code.
Each ZIP opens the Okahumpka map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Okahumpka numbers
What an assumable ratedoes to an Okahumpka payment.
The sliders start at the median Okahumpka assumable listing: $390,000 list price and a 6.27% 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)$5,000
1% 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 Okahumpka
$2,499/mo
New loan at 7.20%$2,613
Assumed at 6.25%
$2,499
Every month$114
Over five years$6,832
Interest you never pay$160,96826-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 Okahumpka listing on UMe shows the actual balance, rate, and payment.
How it works in Okahumpka
How to assumea mortgage in Okahumpka.
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 an Okahumpka home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Okahumpka 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 $5,101 in Okahumpka 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 an Okahumpka payment written in a different decade.
Okahumpka questions
Assuming a mortgagein Okahumpka.
The numbers below come from current Okahumpka inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Okahumpka?
As of October 2026, UMe tracks 1 active assumable listing in Okahumpka. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Okahumpka?
Current Okahumpka inventory breaks down as FHA (1, median 6.27%). 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 Okahumpka?
The lowest rate on an active Okahumpka assumable listing is 6.27%, and the median across all 1 listing is 6.27%. 0 listings are under 4% and 0 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 Okahumpka?
Across current Okahumpka listings, the median principal-and-interest payment on the assumable loan is $2,393 per month versus $2,717 for the same balance at today's rates, a difference of about $324 every month, or $3,890 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 Okahumpka?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Okahumpka that gap is currently a median of $5,101 on a median list price of $390,000. 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 Okahumpka ZIP codes have the most assumable homes?
The Okahumpka ZIP codes with the most active assumable listings are 34762 (1). 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 Okahumpka?
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 Okahumpka.The rate is already on the house.
Every listing on the Okahumpka map has a rate you can take over. Start with the ones in Okahumpka, get pre-qualified in minutes, and let UMe carry the assumption to closing.
