Assumable Mortgages in Florida 2026: How to Take Over a Seller’s 3% Interest Rate — and What Most Buyers Miss
With 30-year rates hovering near 6.75% in 2026, roughly 30 million US homes carry FHA or VA loans from 2020–2022 at 2.5–4%. Assuming one of those loans could save you $600–$1,200+ per month. Here’s exactly how assumable mortgages work in Florida, what the catch is, and how to find them.