FHA
Active
61$279,900Potential short sale
- Rate
- 3.89%
7.40%today- Payment
- $1,513/mo
$2,223today
- 3beds
- 2baths
- 1,649sqft
Umatilla, Florida
Assumable homes for salein Umatilla, Florida.
6 homes in Umatilla carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.04%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Umatilla assumable market
by the numbers.
6active assumable listings
4.04%lowest locked rate
$407kmedian list price
$386saved per month vs. 7.2%
About the market
Assumable mortgagesin Umatilla, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Umatilla. Updated October 2026.
How assumptions work for buyersUmatilla, Florida has 6 homes for sale with an assumable mortgage as of October 2026: 6 FHA 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 Umatilla assumable listings start at 4.04% with a median of 6.49%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Umatilla lists for $407,000, with a median of $125,522 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 $1,820 a month versus $2,206 for the same balance at today's rate, roughly $386 kept every month and $4,631 a year. The most active Umatilla ZIP codes are 32784 (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 Umatilla assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Umatilla
View all 6 on the map Homes on the marketin Umatilla.
FHA
Active
22$250,000Potential short sale
- Rate
- 3.92%
7.40%today- Payment
- $1,300/mo
$1,904today
- 2beds
- 3baths
- 1,452sqft
34205 RADIO Road, Leesburg
FHA
Active
21$350,000$55,383 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,446/mo
$2,243today
- 4beds
- 4baths
- 2,052sqft
2219 PICO Lane, Mount Dora
VA
Active
42$343,000$70,709 equity gap
- Rate
- 2.84%
7.40%today- Payment
- $1,263/mo
$2,117today
- 4beds
- 2baths
- 1,941sqft
7830 SLOEWOOD Drive, Leesburg
FHA
Active
26$449,990$125,519 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $1,537/mo
$2,508today
- 4beds
- 3baths
- 2,442sqft
5551 PALOMINO Place, Apopka
FHA
Active
38$455,000$179,721 equity gap
- Rate
- 2.65%
7.40%today- Payment
- $1,274/mo
$2,189today
- 4beds
- 3baths
- 2,584sqft
5478 LIMESTONE Street, Mount Dora
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 Umatilla.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 4.04%
- Median rate
- 6.49%
- Median list price
- $407,000
- Median cash to assume
- $125,522
Umatilla listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up4 homes
Umatilla listings by loan type
- FHA6 homesmedian 6.49%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Umatilla ZIP code.
Each ZIP opens the Umatilla map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Umatilla numbers
What an assumable ratedoes to an Umatilla payment.
The sliders start at the median Umatilla assumable listing: $407,000 list price and a 6.49% 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)$125,000
31% 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 Umatilla
$1,862/mo
New loan at 7.20%$1,901
Assumed at 6.50%
$1,862
Every month$39
Over five years$2,330
Interest you never pay$103,34626-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 Umatilla listing on UMe shows the actual balance, rate, and payment.
How it works in Umatilla
How to assumea mortgage in Umatilla.
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 Umatilla home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Umatilla 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 $125,522 in Umatilla 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 Umatilla payment written in a different decade.
Umatilla questions
Assuming a mortgagein Umatilla.
The numbers below come from current Umatilla inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Umatilla?
As of October 2026, UMe tracks 6 active assumable listings in Umatilla. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Umatilla?
Current Umatilla inventory breaks down as FHA (6, median 6.49%). 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 Umatilla?
The lowest rate on an active Umatilla assumable listing is 4.04%, and the median across all 6 listings is 6.49%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Umatilla?
Across current Umatilla listings, the median principal-and-interest payment on the assumable loan is $1,820 per month versus $2,206 for the same balance at today's rates, a difference of about $386 every month, or $4,631 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 Umatilla?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Umatilla that gap is currently a median of $125,522 on a median list price of $407,000. 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 Umatilla ZIP codes have the most assumable homes?
The Umatilla ZIP codes with the most active assumable listings are 32784 (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 Umatilla?
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 Umatilla.The rate is already on the house.
Every listing on the Umatilla map has a rate you can take over. Start with the ones in Umatilla, get pre-qualified in minutes, and let UMe carry the assumption to closing.
