Assumable Mortgages in Florida
Explore assumable mortgage data for Florida. Find FHA & VA assumable homes across Miami, Tampa, Orlando, Jacksonville and more with below-market note rates.
Get the Florida Data ListPublic Mortgage Data — Florida
Assumable Homes in Florida
Florida is one of the top two states in the country for assumable property volume, with approximately 125,000 FHA and VA assumable homes spread across 3,240 census tracts. The state's combination of military installations, retiree migration, and rapid population growth has created a deep and geographically diverse inventory of assumable homes.
At a median note rate of 3.6% and a median age of 6.3 years, Florida's assumable property inventory is among the most attractive in the nation. Many of these obligations were originated between 2019 and 2022 — the period when 30-year rates briefly touched 2.65% — meaning buyers who assume them are stepping into some of the most favorable financing terms ever recorded.
Jacksonville, home to Naval Station Mayport and NAS Jacksonville, has one of the highest concentrations of VA assumable homes in the Southeast. Tampa, Orlando, Miami, and Fort Lauderdale all carry substantial FHA assumable property inventory across their suburban corridors. The Space Coast — Brevard County — also shows strong VA assumable home density given its proximity to Patrick Space Force Base.
Florida's assumable homes market is active year-round, driven by both in-state buyers and relocating buyers from higher-cost states. Our Florida data list provides census-tract-level detail across all 67 counties, giving buyers and agents the geographic precision needed to identify assumable property concentrations before they appear on the open market.
Source: Freddie Mac Primary Mortgage Market Survey
Frequently Asked Questions — Florida
How many assumable properties are in Florida?
Florida has approximately 125,000 FHA and VA assumable properties across 3,240 census tracts.
Which Florida cities have the most assumable homes?
Jacksonville, Tampa, Orlando, Miami, and Fort Lauderdale have the highest concentrations of assumable property in our Florida data.
What is the median note rate on Florida assumable homes?
The median note rate on Florida assumable property is 3.6%.
Get the Florida Assumable Property Data List
FHA and VA assumable homes with note rates and census-tract detail. Complete a quick inquiry to see available list options.
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