VATop pick
Active
25$345,000$34,499 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $1,468/mo
$2,389today
- 4beds
- 3baths
- 1,697sqft
Clermont, Florida
Assumable homes for salein Clermont, Florida.
82 homes in Clermont carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Clermont assumable market
by the numbers.
82active assumable listings
2.67%lowest locked rate
$430kmedian list price
$535saved per month vs. 7.2%
About the market
Assumable mortgagesin Clermont, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Clermont. Updated October 2026.
How assumptions work for buyersClermont, Florida has 82 homes for sale with an assumable mortgage as of October 2026: 46 FHA loans and 36 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 Clermont assumable listings start at 2.67% with a median of 6.17%; 29 listings are under 4% and 33 are under 5%.
The median assumable home in Clermont lists for $430,000, with a median of $145,995 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 $2,003 a month versus $2,538 for the same balance at today's rate, roughly $535 kept every month and $6,422 a year. The most active Clermont ZIP codes are 34711 (39), 34714 (37), and 34715 (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 Clermont assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Clermont
View all 82 on the map Homes on the marketin Clermont.
VA
Active
33$565,000$102,583 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $2,152/mo
$3,593today
- 4beds
- 5baths
- 3,459sqft
3443 TUMBLING RIVER Drive, Clermont
FHA
Active
44$410,000$88,996 equity gap
- Rate
- 2.70%
7.40%today- Payment
- $1,469/mo
$2,508today
- 4beds
- 3baths
- 2,033sqft
3144 IBIS HILL Street, Clermont
FHA
Active
23$295,000$39,684 equity gap
- Rate
- 2.84%
7.40%today- Payment
- $1,184/mo
$1,985today
- 3beds
- 2baths
- 1,856sqft
115 CRESCENT MOON Drive, Groveland
VA
Active
56$544,400$133,260 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,918/mo
$3,202today
- 3beds
- 3baths
- 2,216sqft
15741 FOUNTAIN SPRINGS Road, Winter Garden
FHA
Active
39$319,900$90,652 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,068/mo
$1,781today
- 3beds
- 2baths
- 1,433sqft
290 HILLSIDE Drive, Clermont
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 Clermont.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 82
- UMe Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 6.17%
- Median list price
- $430,000
- Median cash to assume
- $145,995
Clermont listings by locked rate
- Under 4%29 homes
- 4% – 5%4 homes
- 5% – 6%3 homes
- 6% and up46 homes
Clermont listings by loan type
- FHA46 homesmedian 6.53%
- VA36 homesmedian 5.17%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Clermont ZIP code.
Each ZIP opens the Clermont map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Clermont numbers
What an assumable ratedoes to a Clermont payment.
The sliders start at the median Clermont assumable listing: $430,000 list price and a 6.17% 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)$145,000
34% 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 Clermont
$1,832/mo
New loan at 7.20%$1,935
Assumed at 6.15%
$1,832
Every month$102
Over five years$6,124
Interest you never pay$124,70226-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 Clermont listing on UMe shows the actual balance, rate, and payment.
How it works in Clermont
How to assumea mortgage in Clermont.
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 Clermont home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Clermont 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 $145,995 in Clermont 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 Clermont payment written in a different decade.
Clermont questions
Assuming a mortgagein Clermont.
The numbers below come from current Clermont inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Clermont?
As of October 2026, UMe tracks 82 active assumable listings in Clermont. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Clermont?
Current Clermont inventory breaks down as FHA (46, median 6.53%) and VA (36, median 5.17%). 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 Clermont?
The lowest rate on an active Clermont assumable listing is 2.67%, and the median across all 82 listings is 6.17%. 29 listings are under 4% and 33 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 Clermont?
Across current Clermont listings, the median principal-and-interest payment on the assumable loan is $2,003 per month versus $2,538 for the same balance at today's rates, a difference of about $535 every month, or $6,422 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 Clermont?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Clermont that gap is currently a median of $145,995 on a median list price of $430,000. 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 Clermont ZIP codes have the most assumable homes?
The Clermont ZIP codes with the most active assumable listings are 34711 (39), 34714 (37), and 34715 (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 Clermont?
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 Clermont.The rate is already on the house.
Every listing on the Clermont map has a rate you can take over. Start with the ones in Clermont, get pre-qualified in minutes, and let UMe carry the assumption to closing.
