VA
Active
71$449,000$116,320 equity gap
- Rate
- 3.125%
7.40%today- Payment
- $1,606/mo
$2,596today
- 3beds
- 3baths
- 2,056sqft
Inglis, Florida
Assumable homes for salein Inglis, Florida.
4 homes in Inglis carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.13%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Inglis assumable market
by the numbers.
4active assumable listings
3.13%lowest locked rate
$325kmedian list price
$574saved per month vs. 7.2%
About the market
Assumable mortgagesin Inglis, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Inglis. Updated October 2026.
How assumptions work for buyersInglis, Florida has 4 homes for sale with an assumable mortgage as of October 2026: 4 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 Inglis assumable listings start at 3.13% with a median of 3.76%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Inglis lists for $325,000, with a median of $103,126 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 $1,124 a month versus $1,698 for the same balance at today's rate, roughly $574 kept every month and $6,892 a year. The most active Inglis ZIP codes are 34449 (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 Inglis assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Inglis
View all 4 on the map Homes on the marketin Inglis.
VA
Active
62$550,000$410,535 equity gap
- Rate
- 2.70%
7.40%today- Payment
- $649/mo
$1,108today
- 3beds
- 3baths
- 1,527sqft
8459 OAK Street, Crystal River
VA
Active
46$274,000$132,482 equity gap
- Rate
- 2.80%
7.40%today- Payment
- $653/mo
$1,101today
- 3beds
- 2baths
- 1,448sqft
11129 CEDAR LAKE Drive, Crystal River
FHA
Active
21$249,000$128,798 equity gap
- Rate
- 3.12%
7.40%today- Payment
- $573/mo
$926today
- 3beds
- 2baths
- 1,630sqft
334 Raymo Terrace, Lecanto
VA
Active
39$325,000$103,126 equity gap
- Rate
- 3.76%
7.40%today- Payment
- $1,124/mo
$1,678today
- 2beds
- 2baths
- 1,554sqft
12575 Foss Groves Path, Inglis
VA
Active
39$325,000$103,126 equity gap
- Rate
- 3.76%
7.40%today- Payment
- $1,124/mo
$1,678today
- 2beds
- 2baths
- 1,554sqft
12575 Foss Groves Path, Inglis
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 Inglis.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.13%
- Median rate
- 3.76%
- Median list price
- $325,000
- Median cash to assume
- $103,126
Inglis listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Inglis listings by loan type
- VA4 homesmedian 3.76%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Inglis ZIP code.
Each ZIP opens the Inglis map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Inglis numbers
What an assumable ratedoes to an Inglis payment.
The sliders start at the median Inglis assumable listing: $325,000 list price and a 3.76% 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)$105,000
32% 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 Inglis
$1,105/mo
New loan at 7.20%$1,493
Assumed at 3.75%
$1,105
Every month$388
Over five years$23,307
Interest you never pay$192,87526-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 Inglis listing on UMe shows the actual balance, rate, and payment.
How it works in Inglis
How to assumea mortgage in Inglis.
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 Inglis home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Inglis 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 $103,126 in Inglis 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 Inglis payment written in a different decade.
Inglis questions
Assuming a mortgagein Inglis.
The numbers below come from current Inglis inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Inglis?
As of October 2026, UMe tracks 4 active assumable listings in Inglis. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Inglis?
Current Inglis inventory breaks down as VA (4, median 3.76%). 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 Inglis?
The lowest rate on an active Inglis assumable listing is 3.13%, and the median across all 4 listings is 3.76%. 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 Inglis?
Across current Inglis listings, the median principal-and-interest payment on the assumable loan is $1,124 per month versus $1,698 for the same balance at today's rates, a difference of about $574 every month, or $6,892 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 Inglis?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Inglis that gap is currently a median of $103,126 on a median list price of $325,000. 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 Inglis ZIP codes have the most assumable homes?
The Inglis ZIP codes with the most active assumable listings are 34449 (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 Inglis?
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 Inglis.The rate is already on the house.
Every listing on the Inglis map has a rate you can take over. Start with the ones in Inglis, get pre-qualified in minutes, and let UMe carry the assumption to closing.
