Oakland Park, Florida
Assumable homes for salein Oakland Park, Florida.
1 home in Oakland Park carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.63%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Oakland Park assumable market
by the numbers.
Assumable mortgagesin Oakland Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Oakland Park. Updated November 2026.
How assumptions work for buyersOakland Park, Florida has 1 home for sale with an assumable mortgage as of November 2026: 1 VA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Oakland Park assumable listings start at 6.63% with a median of 6.63%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Oakland Park lists for $411,500. At the median assumable rate the principal-and-interest payment is about $2,829 a month versus $3,094 for the same balance at today's rate, roughly $265 kept every month and $3,177 a year. The most active Oakland Park ZIP codes are 33334 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Oakland Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketin Oakland Park.
No verified listings in Oakland Park yet.
New assumable listings land every week across Florida. Search the full map, or save an Oakland Park search and we’ll email you the moment one appears.
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
What’s in the mixin Oakland Park.
Live counts from the MLS feeds we index for Florida. Updated November 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.63%
- Median rate
- 6.63%
- Median list price
- $411,500
Oakland Park listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Oakland Park listings by loan type
- VA1 homemedian 6.63%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Assumable homesby Oakland Park ZIP code.
Each ZIP opens the Oakland Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
What an assumable ratedoes to an Oakland Park payment.
The sliders start at the median Oakland Park assumable listing: $411,500 list price and a 6.63% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
20% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Oakland Park listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Oakland Park.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Oakland Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Oakland Park map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Oakland Park payment written in a different decade.
Assuming a mortgagein Oakland Park.
The numbers below come from current Oakland Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Oakland Park?
As of November 2026, UMe tracks 1 active assumable listing in Oakland Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Oakland Park?
Current Oakland Park inventory breaks down as VA (1, median 6.63%). 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 Oakland Park?
The lowest rate on an active Oakland Park assumable listing is 6.63%, and the median across all 1 listing is 6.63%. 0 listings are under 4% and 0 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 Oakland Park?
Across current Oakland Park listings, the median principal-and-interest payment on the assumable loan is $2,829 per month versus $3,094 for the same balance at today's rates, a difference of about $265 every month, or $3,177 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
Which Oakland Park ZIP codes have the most assumable homes?
The Oakland Park ZIP codes with the most active assumable listings are 33334 (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 Oakland Park?
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.
More assumable homesin Florida.
Stop overpaying for Oakland Park.The rate is already on the house.
Every listing on the Oakland Park map has a rate you can take over. Start with the ones in Oakland Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.