2.86% VA
$310,000
$1,221/mo
75 RIVERVIEW Bend
Palm Coast, FL
3 bd2 ba1,283 sqft
Palm Coast, Florida
Keep the rate.
Buy the home in Palm Coast.
46 assumable homes for sale in Palm Coast, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.01%
vs 7.2% market
$541/mo saved
Median locked rate
4.01%
Across 46 assumable listings
Typical monthly savings
$541
On a $345,950 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 Palm Coast
Homes with a rate worth keeping
2.96% VA
$319,000
$1,216/mo
65 LOB WEDGE Lane
Bunnell, FL
3 bd2 ba1,701 sqft
3.07% VA
$355,000
$1,443/mo
5 BUD HOLLOW Drive
Palm Coast, FL
3 bd2 ba1,637 sqft
3.10% FHA
$300,000
$1,216/mo
3 CLARK Lane
Palm Coast, FL
3 bd2 ba1,484 sqft
2.78% VA
$595,000
$2,016/mo
10 FELICIA Court
Palm Coast, FL
3 bd2 ba2,142 sqft
2.86% VA
$399,000
$1,474/mo
400 CANOPY WALK Lane
Palm Coast, FL
3 bd2 ba1,377 sqft
Inventory snapshot
What’s assumable in Palm Coast right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 46
- Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 4.01%
- Median list price
- $345,950
- Median cash to assume
- $102,783
Listings by locked rate
- Under 4%22 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up18 homes
Listings by loan type
- FHA28 homesmedian 6.17%
- VA18 homesmedian 3.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Palm Coast ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Palm Coast.
A 7.2% new loan against an assumable one at 4.01%, same balance, 30 years.
You keep every month
$554/mo
Over a year$6,650
Monthly payment, side by side
7.2% vs 4.01%
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 Palm Coast
Numbers below come from current Palm Coast inventory and update as listings change.
- How many assumable homes are for sale in Palm Coast?
- As of September 2026, UMe tracks 46 active assumable listings in Palm Coast. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Palm Coast?
- Current Palm Coast inventory breaks down as FHA (28, median 6.17%) and VA (18, median 3.84%). 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 Palm Coast right now?
- The lowest rate on an active Palm Coast assumable listing is 2.18%, and the median across all 46 listings is 4.01%. 22 listings are under 4% and 24 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 Palm Coast?
- Across current Palm Coast listings, the median principal-and-interest payment on the assumable loan is $1,463 per month versus $2,004 for the same balance at today's rates, a difference of about $541 every month, or $6,487 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 Palm Coast?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Palm Coast that gap is currently a median of $102,783 on a median list price of $345,950. 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 Palm Coast ZIP codes have the most assumable homes?
- The Palm Coast ZIP codes with the most active assumable listings are 32164 (27) and 32137 (19). 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 Palm Coast?
- 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 Palm Coast.
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.
