3.75% VA
$874,900
$4,201/mo
4767 ATLANTIC Avenue
Ponce Inlet, FL
3 bd3 ba2,190 sqft
New Smyrna Beach, Florida
Keep the rate.
Buy the home in New Smyrna Beach.
11 assumable homes for sale in New Smyrna Beach, with locked rates from 2.67%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.11%
vs 7.2% market
$449/mo saved
Median locked rate
6.11%
Across 11 assumable listings
Typical monthly savings
$449
On a $365,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in New Smyrna Beach
Homes with a rate worth keeping
2.83% VA
$300,000
$920/mo
1703 VICTORY PALM Drive
Edgewater, FL
4 bd2 ba1,400 sqft
3.02% FHA
$220,000
$632/mo
843 NILES Street
Daytona Beach, FL
3 bd2 ba1,000 sqft
4.22% FHA
$225,000
$1,963/mo
748 MERRIMAC Drive
Port Orange, FL
3 bd2 ba1,536 sqft
3.07% FHA
$325,000
$1,058/mo
2916 MELETO Boulevard
New Smyrna Beach, FL
3 bd3 ba1,754 sqft
3.23% FHA
$349,999
$1,465/mo
5988 SHADY CREEK Lane
Port Orange, FL
3 bd2 ba2,038 sqft
Inventory snapshot
What’s assumable in New Smyrna Beach right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 11
- Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 6.11%
- Median list price
- $365,000
- Median cash to assume
- $129,770
Listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up6 homes
Listings by loan type
- VA6 homesmedian 4.08%
- FHA5 homesmedian 6.43%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by New Smyrna Beach ZIP code
Nearby markets
More assumable homes in Florida
- Orlando203
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud80
- 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 New Smyrna Beach.
A 7.2% new loan against an assumable one at 6.11%, same balance, 30 years.
You keep every month
$211/mo
Over a year$2,528
Monthly payment, side by side
7.2% vs 6.11%
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 New Smyrna Beach
Numbers below come from current New Smyrna Beach inventory and update as listings change.
- How many assumable homes are for sale in New Smyrna Beach?
- As of September 2026, UMe tracks 11 active assumable listings in New Smyrna Beach. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in New Smyrna Beach?
- Current New Smyrna Beach inventory breaks down as VA (6, median 4.08%) and FHA (5, median 6.43%). 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 New Smyrna Beach right now?
- The lowest rate on an active New Smyrna Beach assumable listing is 2.67%, and the median across all 11 listings is 6.11%. 4 listings are under 4% and 5 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 New Smyrna Beach?
- Across current New Smyrna Beach listings, the median principal-and-interest payment on the assumable loan is $1,970 per month versus $2,419 for the same balance at today's rates, a difference of about $449 every month, or $5,385 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 New Smyrna Beach?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In New Smyrna Beach that gap is currently a median of $129,770 on a median list price of $365,000. 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 New Smyrna Beach ZIP codes have the most assumable homes?
- The New Smyrna Beach ZIP codes with the most active assumable listings are 32168 (10) and 32169 (1). 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 New Smyrna Beach?
- 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 New Smyrna Beach.
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.
