2.99% VA
$155,750
$682/mo
4601 20TH Avenue
Ocala, FL
2 bd2 ba1,211 sqft
Ocala, Florida
Keep the rate.
Buy the home in Ocala.
143 assumable homes for sale in Ocala, with locked rates from 2.58%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.06%
vs 7.2% market
$343/mo saved
Median locked rate
6.06%
Across 143 assumable listings
Typical monthly savings
$343
On a $299,000 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 Ocala
Homes with a rate worth keeping
3.07% FHA
$356,000
$1,420/mo
5601 117TH LANE Road
Ocala, FL
4 bd2 ba2,043 sqft
2.98% FHA
$274,990
$1,117/mo
4553 14TH Street
Ocala, FL
4 bd3 ba2,632 sqft
3.45% VA
$320,000
$1,361/mo
5340 26TH Lane
Ocala, FL
3 bd2 ba1,719 sqft
2.81% FHA
$339,000
$1,147/mo
4341 57TH Avenue
Ocala, FL
2 bd2 ba1,666 sqft
2.84% FHA
$217,000
$791/mo
2404 32ND Place
Ocala, FL
3 bd2 ba1,062 sqft
Inventory snapshot
What’s assumable in Ocala right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 143
- Certified / verified
- 0
- Lowest rate
- 2.58%
- Median rate
- 6.06%
- Median list price
- $299,000
- Median cash to assume
- $91,368
Listings by locked rate
- Under 4%45 homes
- 4% – 5%8 homes
- 5% – 6%16 homes
- 6% and up71 homes
Listings by loan type
- FHA89 homesmedian 6.17%
- VA54 homesmedian 5.44%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Ocala ZIP code
- 34473
31 assumable homes · median 6.21%
median $295,000
- 34472
21 assumable homes · median 6.27%
median $254,900
- 34476
20 assumable homes · median 4.70%
median $326,500
- 34482
15 assumable homes · median 3.50%
median $339,000
- 34481
13 assumable homes · median 6.61%
median $339,900
- 34480
12 assumable homes · median 6.61%
median $297,000
- 34479
10 assumable homes · median 4.43%
median $228,000
- 34470
8 assumable homes · median 6.71%
median $250,450
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Ocala.
A 7.2% new loan against an assumable one at 6.06%, same balance, 30 years.
You keep every month
$181/mo
Over a year$2,171
Monthly payment, side by side
7.2% vs 6.06%
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 Ocala
Numbers below come from current Ocala inventory and update as listings change.
- How many assumable homes are for sale in Ocala?
- As of September 2026, UMe tracks 143 active assumable listings in Ocala. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Ocala?
- Current Ocala inventory breaks down as FHA (89, median 6.17%) and VA (54, median 5.44%). 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 Ocala right now?
- The lowest rate on an active Ocala assumable listing is 2.58%, and the median across all 143 listings is 6.06%. 45 listings are under 4% and 53 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 Ocala?
- Across current Ocala listings, the median principal-and-interest payment on the assumable loan is $1,329 per month versus $1,672 for the same balance at today's rates, a difference of about $343 every month, or $4,111 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 Ocala?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ocala that gap is currently a median of $91,368 on a median list price of $299,000. 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 Ocala ZIP codes have the most assumable homes?
- The Ocala ZIP codes with the most active assumable listings are 34473 (31), 34472 (21), 34476 (20), 34482 (15), and 34481 (13). 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 Ocala?
- 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 Ocala.
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.
