2.87% FHA
$227,000
$916/mo
424 HOGLE Avenue
Deland, FL
2 bd2 ba1,471 sqft
Deland, Florida
Keep the rate.
Buy the home in Deland.
32 assumable homes for sale in Deland, with locked rates from 2.87%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.21%
vs 7.2% market
$419/mo saved
Median locked rate
6.21%
Across 32 assumable listings
Typical monthly savings
$419
On a $339,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Deland
Homes with a rate worth keeping
2.90% VA
$370,000
$1,470/mo
958 COMPASS LANDING Drive
Orange City, FL
3 bd2 ba1,983 sqft
2.81% VA
$410,000
$1,351/mo
832 JETWAY Street
Orange City, FL
3 bd2 ba1,988 sqft
2.87% VA
$339,000
$1,240/mo
1679 EUCLID Avenue
Deland, FL
3 bd2 ba1,410 sqft
3.01% FHA
$353,500
$1,223/mo
2691 INDIA Boulevard
Deltona, FL
3 bd2 ba1,454 sqft
4.27% FHA
$140,000
$774/mo
1184 WHITEWOOD Drive
Deltona, FL
3 bd1 ba1,070 sqft
Inventory snapshot
What’s assumable in Deland right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 32
- Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 6.21%
- Median list price
- $339,500
- Median cash to assume
- $80,549
Listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%4 homes
- 6% and up18 homes
Listings by loan type
- FHA25 homesmedian 6.34%
- VA7 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Deland ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven73
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Deland.
A 7.2% new loan against an assumable one at 6.21%, same balance, 30 years.
You keep every month
$179/mo
Over a year$2,143
Monthly payment, side by side
7.2% vs 6.21%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Deland
Numbers below come from current Deland inventory and update as listings change.
- How many assumable homes are for sale in Deland?
- As of September 2026, UMe tracks 32 active assumable listings in Deland. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Deland?
- Current Deland inventory breaks down as FHA (25, median 6.34%) and VA (7, median 5.23%). 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 Deland right now?
- The lowest rate on an active Deland assumable listing is 2.87%, and the median across all 32 listings is 6.21%. 8 listings are under 4% and 10 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 Deland?
- Across current Deland listings, the median principal-and-interest payment on the assumable loan is $1,356 per month versus $1,774 for the same balance at today's rates, a difference of about $419 every month, or $5,024 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 Deland?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Deland that gap is currently a median of $80,549 on a median list price of $339,500. 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 Deland ZIP codes have the most assumable homes?
- The Deland ZIP codes with the most active assumable listings are 32724 (22) and 32720 (10). 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 Deland?
- 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.
Ready when you are
Stop overpaying for Deland.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
