FHATop pick
Active
18$275,000$18,600 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,216/mo
$1,972today
- 3beds
- 2baths
- 1,484sqft
Palm Coast, Florida
Assumable homes for salein Palm Coast, Florida.
73 homes in Palm Coast carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Palm Coast assumable market
by the numbers.
73active assumable listings
2.18%lowest locked rate
$340kmedian list price
$482saved per month vs. 7.2%
About the market
Assumable mortgagesin Palm Coast, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Palm Coast. Updated October 2026.
How assumptions work for buyersPalm Coast, Florida has 73 homes for sale with an assumable mortgage as of October 2026: 51 FHA loans and 22 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 Palm Coast assumable listings start at 2.18% with a median of 3.99%; 37 listings are under 4% and 38 are under 5%.
The median assumable home in Palm Coast lists for $340,000, with a median of $96,727 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 $1,518 a month versus $1,999 for the same balance at today's rate, roughly $482 kept every month and $5,779 a year. The most active Palm Coast ZIP codes are 32164 (43) and 32137 (30).
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 Palm Coast assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Palm Coast
View all 73 on the map Homes on the marketin Palm Coast.
VA
Active
69$310,000$47,995 equity gap
- Rate
- 2.86%
7.40%today- Payment
- $1,221/mo
$2,041today
- 3beds
- 2baths
- 1,283sqft
75 RIVERVIEW Bend #1624, Palm Coast
FHA
Active
37$375,000$49,149 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $1,525/mo
$2,511today
- 3beds
- 3baths
- 2,056sqft
51 FANSHAWE Lane, Palm Coast
VA
Active
24$355,000$50,389 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $1,443/mo
$2,348today
- 3beds
- 2baths
- 1,637sqft
5 BUD HOLLOW Drive, Palm Coast
FHA
Active
22$275,000Potential short sale
- Rate
- 3.92%
7.40%today- Payment
- $1,516/mo
$2,220today
- 4beds
- 2baths
- 1,463sqft
25 ROCKINGHAM Lane, Palm Coast
FHA
Active
19$366,000$101,176 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,235/mo
$2,063today
- 3beds
- 2baths
- 1,983sqft
41 WHITE STAR Drive, Palm Coast
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 Palm Coast.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 73
- UMe Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 3.99%
- Median list price
- $340,000
- Median cash to assume
- $96,727
Palm Coast listings by locked rate
- Under 4%37 homes
- 4% – 5%1 home
- 5% – 6%3 homes
- 6% and up32 homes
Palm Coast listings by loan type
- FHA51 homesmedian 3.92%
- VA22 homesmedian 5.07%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Palm Coast ZIP code.
Each ZIP opens the Palm Coast map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Palm Coast numbers
What an assumable ratedoes to a Palm Coast payment.
The sliders start at the median Palm Coast assumable listing: $340,000 list price and a 3.99% 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)$95,000
28% 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 Palm Coast
$1,264/mo
New loan at 7.20%$1,663
Assumed at 4.00%
$1,264
Every month$399
Over five years$23,923
Interest you never pay$204,22326-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 Palm Coast listing on UMe shows the actual balance, rate, and payment.
How it works in Palm Coast
How to assumea mortgage in Palm Coast.
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 Palm Coast home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Palm Coast 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 $96,727 in Palm Coast 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 Palm Coast payment written in a different decade.
Palm Coast questions
Assuming a mortgagein Palm Coast.
The numbers below come from current Palm Coast inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Palm Coast?
As of October 2026, UMe tracks 73 active assumable listings in Palm Coast. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Palm Coast?
Current Palm Coast inventory breaks down as FHA (51, median 3.92%) and VA (22, median 5.07%). 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 Palm Coast?
The lowest rate on an active Palm Coast assumable listing is 2.18%, and the median across all 73 listings is 3.99%. 37 listings are under 4% and 38 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 Palm Coast?
Across current Palm Coast listings, the median principal-and-interest payment on the assumable loan is $1,518 per month versus $1,999 for the same balance at today's rates, a difference of about $482 every month, or $5,779 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 Palm Coast?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Palm Coast that gap is currently a median of $96,727 on a median list price of $340,000. 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 Palm Coast ZIP codes have the most assumable homes?
The Palm Coast ZIP codes with the most active assumable listings are 32164 (43) and 32137 (30). 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 Palm Coast?
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 Palm Coast.The rate is already on the house.
Every listing on the Palm Coast map has a rate you can take over. Start with the ones in Palm Coast, get pre-qualified in minutes, and let UMe carry the assumption to closing.
