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Assumable homes for sale in St. Cloud, FL

200 homesFHA & VA loansrates from 2.63% vs 7.18% today

St. Cloud assumption guide
2852 EASTHAM Lane, Kissimmee, FL, 34741 — assumable VA mortgage at 2.96%
VATop pick
Active
26
$300,000$16,882 equity gap
Rate
2.96%
7.18%today
Payment
$1,343/mo
$2,169today
  • 3beds
  • 3baths
  • 1,776sqft

2852 EASTHAM Lane, Kissimmee

13348 PANAMA BEACH Court, Orlando, FL, 32827 — assumable VA mortgage at 3.00%
VATop pick
Active
46
$789,000Potential short sale
Rate
3.00%
7.18%today
Payment
$3,766/mo
$6,052today
  • 4beds
  • 4baths
  • 2,860sqft

13348 PANAMA BEACH Court, Orlando

2537 LONGPINE Lane, St Cloud, FL, 34772 — assumable VA mortgage at 2.80%
VA
Active
45
$154,900$21,726 equity gap
Rate
2.80%
7.18%today
Payment
$616/mo
$1,016today
  • 2beds
  • 2baths
  • 1,558sqft

2537 LONGPINE Lane, St Cloud

2981 MARSHFIELD PRESERVE Way, Kissimmee, FL, 34746 — assumable VA mortgage at 2.81%
VA
Active
32
$324,900$60,336 equity gap
Rate
2.81%
7.18%today
Payment
$1,255/mo
$2,066today
  • 5beds
  • 3baths
  • 3,112sqft

2981 MARSHFIELD PRESERVE Way, Kissimmee

3817 GOLDEN FEATHER Way, Kissimmee, FL, 34746 — assumable VA mortgage at 2.90%
VA
Active
48
$450,000$63,468 equity gap
Rate
2.90%
7.18%today
Payment
$1,825/mo
$2,971today
  • 4beds
  • 3baths
  • 2,724sqft

3817 GOLDEN FEATHER Way, Kissimmee

4190 BULL Street, St Cloud, FL, 34772 — assumable VA mortgage at 3.10%
VA
Active
56
$530,000$105,865 equity gap
Rate
3.10%
7.18%today
Payment
$2,011/mo
$3,191today
  • 5beds
  • 4baths
  • 3,266sqft

4190 BULL Street, St Cloud

5882 HERDER Road, St Cloud, FL, 34771 — assumable FHA mortgage at 3.76%
FHA
Active
14
$356,000$13,387 equity gap
Rate
3.76%
7.18%today
Payment
$1,739/mo
$2,541today
  • 3beds
  • 2baths
  • 1,662sqft

5882 HERDER Road, St Cloud

1617 MOHEGAN Boulevard, Kissimmee, FL, 34744 — assumable VA mortgage at 3.45%
VA
Active
15
$310,800$39,136 equity gap
Rate
3.45%
7.18%today
Payment
$1,339/mo
$2,032today
  • 3beds
  • 3baths
  • 1,896sqft

1617 MOHEGAN Boulevard, Kissimmee

3113 VIA OTERO Drive, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.71%
FHA
Active
35
$299,900$86,918 equity gap
Rate
2.71%
7.18%today
Payment
$997/mo
$1,663today
  • 3beds
  • 3baths
  • 1,584sqft

3113 VIA OTERO Drive, Kissimmee

3120 CRISPIN Circle, St Cloud, FL, 34773 — assumable VA mortgage at 2.80%
VA
Active
55
$498,990$144,338 equity gap
Rate
2.80%
7.18%today
Payment
$1,645/mo
$2,712today
  • 4beds
  • 4baths
  • 2,732sqft

3120 CRISPIN Circle, St Cloud

3452 BELLISSIMO Avenue, Kissimmee, FL, 34746 — assumable FHA mortgage at 2.90%
FHA
Active
28
$298,000$87,878 equity gap
Rate
2.90%
7.18%today
Payment
$1,014/mo
$1,650today
  • 4beds
  • 3baths
  • 2,043sqft

3452 BELLISSIMO Avenue, Kissimmee

5015 RIVERSIDE Way, St Cloud, FL, 34771 — assumable FHA mortgage at 2.94%
FHA
Active
22
$385,000$112,985 equity gap
Rate
2.94%
7.18%today
Payment
$1,315/mo
$2,129today
  • 3beds
  • 2baths
  • 2,168sqft

5015 RIVERSIDE Way, St Cloud

3609 SAIL HARBOR Drive, Kissimmee, FL, 34746 — assumable FHA mortgage at 2.96%
FHA
Active
5
$327,000$75,169 equity gap
Rate
2.96%
7.18%today
Payment
$1,194/mo
$1,929today
  • 3beds
  • 2baths
  • 1,895sqft

3609 SAIL HARBOR Drive, Kissimmee

2822 HARMONIA HAMMOCK RD, Harmony, FL, 34773 — assumable FHA mortgage at 2.97%
FHA
Active
28
$350,000$101,303 equity gap
Rate
2.97%
7.18%today
Payment
$1,183/mo
$1,909today
  • 3beds
  • 2baths
  • 1,676sqft

2822 HARMONIA HAMMOCK RD, Harmony

4830 STONE ACRES Circle, St Cloud, FL, 34771 — assumable VA mortgage at 2.99%
VA
Active
57
$617,000$151,159 equity gap
Rate
2.99%
7.18%today
Payment
$2,197/mo
$3,534today
  • 4beds
  • 3baths
  • 3,189sqft

4830 STONE ACRES Circle, St Cloud

2564 BLOWING BREEZE Avenue, Kissimmee, FL, 34744 — assumable FHA mortgage at 3.00%
FHA
Active
25
$345,000$81,562 equity gap
Rate
3.00%
7.18%today
Payment
$1,255/mo
$2,016today
  • 3beds
  • 3baths
  • 1,602sqft

2564 BLOWING BREEZE Avenue, Kissimmee

1877 RIVER CREST Avenue, St Cloud, FL, 34771 — assumable VA mortgage at 3.04%
VA
Active
31
$344,000$81,122 equity gap
Rate
3.04%
7.18%today
Payment
$1,263/mo
$2,020today
  • 4beds
  • 2baths
  • 1,759sqft

1877 RIVER CREST Avenue, St Cloud

3013 SWEET ACRES Place, St Cloud, FL, 34772 — assumable FHA mortgage at 3.05%
FHA
Active
18
$364,800$91,052 equity gap
Rate
3.05%
7.18%today
Payment
$1,300/mo
$2,075today
  • 4beds
  • 2baths
  • 1,696sqft

3013 SWEET ACRES Place, St Cloud

2940 BENTON Lane, Kissimmee, FL, 34746 — assumable FHA mortgage at 3.55%
FHA
Active
46
$462,000$84,259 equity gap
Rate
3.55%
7.18%today
Payment
$1,878/mo
$2,816today
  • 4beds
  • 3baths
  • 2,856sqft

2940 BENTON Lane, Kissimmee

5317 JUBILOSO Drive, St Cloud, FL, 34771 — assumable VA mortgage at 3.10%
VA
Active
28
$450,000$122,641 equity gap
Rate
3.10%
7.18%today
Payment
$1,580/mo
$2,507today
  • 4beds
  • 4baths
  • 2,844sqft

5317 JUBILOSO Drive, St Cloud

2769 FRANKLIN Road, St Cloud, FL, 34771 — assumable FHA mortgage at 4.17%
FHA
Active
29
$409,000$14,992 equity gap
Rate
4.17%
7.18%today
Payment
$2,086/mo
$2,900today
  • 3beds
  • 3baths
  • 1,748sqft

2769 FRANKLIN Road, St Cloud

2753 MONTICELLO Way, Kissimmee, FL, 34741 — assumable FHA mortgage at 3.76%
FHA
Active
49
$459,995$69,348 equity gap
Rate
3.76%
7.18%today
Payment
$1,983/mo
$2,897today
  • 4beds
  • 3baths
  • 2,338sqft

2753 MONTICELLO Way, Kissimmee

5406 PINE LILLY DR, St Cloud, FL, 34771 — assumable VA mortgage at 3.76%
VA
Active
27
$419,990$81,862 equity gap
Rate
3.76%
7.18%today
Payment
$1,716/mo
$2,508today
  • 4beds
  • 2baths
  • 1,830sqft

5406 PINE LILLY DR, St Cloud

2984 CHERRY BLOSSOM Loop, St Cloud, FL, 34771 — assumable VA mortgage at 4.00%
VA
Active
49
$365,000$27,699 equity gap
Rate
4.00%
7.18%today
Payment
$1,767/mo
$2,507today
  • 2beds
  • 2baths
  • 1,584sqft

2984 CHERRY BLOSSOM Loop, St Cloud

14616 MUSKET FIRE LANE, Orlando, FL, 32837 — assumable FHA mortgage at 4.42%
FHA
Active
7
$389,900Potential short sale
Rate
4.42%
7.18%today
Payment
$2,119/mo
$2,860today
  • 3beds
  • 3baths
  • 1,624sqft

14616 MUSKET FIRE LANE, Orlando

10474 FOLLY BEACH Road, Orlando, FL, 32827 — assumable FHA mortgage at 2.67%
FHA
Active
42
$399,990$157,538 equity gap
Rate
2.67%
7.18%today
Payment
$1,127/mo
$1,890today
  • 2beds
  • 3baths
  • 1,472sqft

10474 FOLLY BEACH Road, Orlando

2704 VISTA VERDE Lane, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.70%
FHA
Active
53
$419,900$161,236 equity gap
Rate
2.70%
7.18%today
Payment
$1,212/mo
$2,025today
  • 4beds
  • 3baths
  • 2,128sqft

2704 VISTA VERDE Lane, Kissimmee

2780 AVIAN Loop, Kissimmee, FL, 34741 — assumable VA mortgage at 2.70%
VA
Active
30
$409,990$139,090 equity gap
Rate
2.70%
7.18%today
Payment
$1,264/mo
$2,110today
  • 4beds
  • 3baths
  • 2,176sqft

2780 AVIAN Loop, Kissimmee

1779 RED CANYON Drive, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.70%
FHA
Active
28
$314,990$100,693 equity gap
Rate
2.70%
7.18%today
Payment
$1,000/mo
$1,669today
  • 3beds
  • 3baths
  • 1,624sqft

1779 RED CANYON Drive, Kissimmee

1733 FELICITY Lane, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.71%
FHA
Active
38
$419,900$147,373 equity gap
Rate
2.71%
7.18%today
Payment
$1,276/mo
$2,128today
  • 4beds
  • 3baths
  • 2,030sqft

1733 FELICITY Lane, Kissimmee

3899 CEDAR HAMMOCK Trail, St Cloud, FL, 34772 — assumable VA mortgage at 2.73%
VA
Active
49
$530,000$199,436 equity gap
Rate
2.73%
7.18%today
Payment
$1,543/mo
$2,567today
  • 5beds
  • 3baths
  • 3,257sqft

3899 CEDAR HAMMOCK Trail, St Cloud

1723 FLOURISH Avenue, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.77%
FHA
Active
19
$384,500$150,438 equity gap
Rate
2.77%
7.18%today
Payment
$1,103/mo
$1,825today
  • 3beds
  • 3baths
  • 1,617sqft

1723 FLOURISH Avenue, Kissimmee

1448 TAWNY RIDGE Road, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.77%
FHA
Active
20
$410,000$155,455 equity gap
Rate
2.77%
7.18%today
Payment
$1,196/mo
$1,980today
  • 4beds
  • 2baths
  • 1,846sqft

1448 TAWNY RIDGE Road, Kissimmee

1961 BENEVENTO Street, St Cloud, FL, 34771 — assumable FHA mortgage at 2.77%
FHA
Active
38
$374,900$125,202 equity gap
Rate
2.77%
7.18%today
Payment
$1,171/mo
$1,938today
  • 3beds
  • 2baths
  • 1,677sqft

1961 BENEVENTO Street, St Cloud

2074 BRILLANTE Drive, St Cloud, FL, 34771 — assumable FHA mortgage at 2.80%
FHA
Active
33
$405,000$133,397 equity gap
Rate
2.80%
7.18%today
Payment
$1,296/mo
$2,137today
  • 4beds
  • 3baths
  • 2,244sqft

2074 BRILLANTE Drive, St Cloud

1571 DAWNVIEW Way, Kissimmee, FL, 34744 — assumable FHA mortgage at 2.80%
FHA
Active
89
$309,900$93,291 equity gap
Rate
2.80%
7.18%today
Payment
$1,029/mo
$1,696today
  • 3beds
  • 3baths
  • 1,870sqft

1571 DAWNVIEW Way, Kissimmee

Assuming a mortgage in St. Cloud

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.63%
Lowest existing payment
$312/mo
Median cash to assume
$153,805
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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