FHA
Active
25$349,900$52,489 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,386/mo
$2,311today
- 3beds
- 2baths
- 1,660sqft
Homosassa, Florida
Assumable homes for salein Homosassa, Florida.
36 homes in Homosassa carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.27%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Homosassa assumable market
by the numbers.
36active assumable listings
2.27%lowest locked rate
$360kmedian list price
$277saved per month vs. 7.2%
About the market
Assumable mortgagesin Homosassa, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Homosassa. Updated October 2026.
How assumptions work for buyersHomosassa, Florida has 36 homes for sale with an assumable mortgage as of October 2026: 21 FHA loans and 15 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 Homosassa assumable listings start at 2.27% with a median of 6.03%; 13 listings are under 4% and 15 are under 5%.
The median assumable home in Homosassa lists for $359,950, with a median of $79,832 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 $1,307 a month versus $1,584 for the same balance at today's rate, roughly $277 kept every month and $3,323 a year. The most active Homosassa ZIP codes are 34446 (29) and 34448 (7).
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 Homosassa assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Homosassa
View all 36 on the map Homes on the marketin Homosassa.
VA
Active
50$299,900$107,012 equity gap
- Rate
- 2.60%
7.40%today- Payment
- $901/mo
$1,558today
- 3beds
- 2baths
- 1,833sqft
80 Oak Village Boulevard, Homosassa
FHA
Active
44$219,000$83,107 equity gap
- Rate
- 2.74%
7.40%today- Payment
- $635/mo
$1,079today
- 3beds
- 2baths
- 2,150sqft
306 MONROE Street, Beverly Hills
FHA
Active
21$395,000$146,027 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,182/mo
$1,944today
- 4beds
- 2baths
- 2,163sqft
12155 PEREGRINE FALCON Avenue, Weeki Wachee
FHA
Active
44$380,000$130,961 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $1,180/mo
$1,920today
- 4beds
- 2baths
- 1,984sqft
13073 JAYWALK Road, Weeki Wachee
VA
Active
48$365,000$228,280 equity gap
- Rate
- 2.27%
7.40%today- Payment
- $1,284/mo
$1,804today
- 3beds
- 2baths
- 1,869sqft
6 DUSTY MILLER Court, Homosassa
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 Homosassa.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 36
- UMe Certified / verified
- 0
- Lowest rate
- 2.27%
- Median rate
- 6.03%
- Median list price
- $359,950
- Median cash to assume
- $79,832
Homosassa listings by locked rate
- Under 4%13 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up18 homes
Homosassa listings by loan type
- FHA21 homesmedian 5.70%
- VA15 homesmedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Homosassa ZIP code.
Each ZIP opens the Homosassa map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Homosassa numbers
What an assumable ratedoes to a Homosassa payment.
The sliders start at the median Homosassa assumable listing: $359,950 list price and a 6.03% 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)$80,000
22% 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 Homosassa
$1,783/mo
New loan at 7.20%$1,901
Assumed at 6.05%
$1,783
Every month$118
Over five years$7,059
Interest you never pay$127,93626-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 Homosassa listing on UMe shows the actual balance, rate, and payment.
How it works in Homosassa
How to assumea mortgage in Homosassa.
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 Homosassa home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Homosassa 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 $79,832 in Homosassa 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 Homosassa payment written in a different decade.
Homosassa questions
Assuming a mortgagein Homosassa.
The numbers below come from current Homosassa inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Homosassa?
As of October 2026, UMe tracks 36 active assumable listings in Homosassa. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Homosassa?
Current Homosassa inventory breaks down as FHA (21, median 5.70%) and VA (15, median 6.35%). 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 Homosassa?
The lowest rate on an active Homosassa assumable listing is 2.27%, and the median across all 36 listings is 6.03%. 13 listings are under 4% and 15 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 Homosassa?
Across current Homosassa listings, the median principal-and-interest payment on the assumable loan is $1,307 per month versus $1,584 for the same balance at today's rates, a difference of about $277 every month, or $3,323 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 Homosassa?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Homosassa that gap is currently a median of $79,832 on a median list price of $359,950. 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 Homosassa ZIP codes have the most assumable homes?
The Homosassa ZIP codes with the most active assumable listings are 34446 (29) and 34448 (7). 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 Homosassa?
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 Homosassa.The rate is already on the house.
Every listing on the Homosassa map has a rate you can take over. Start with the ones in Homosassa, get pre-qualified in minutes, and let UMe carry the assumption to closing.