2.88% VA
$280,000
$1,286/mo
645 TIMBER BAY Circle
Oldsmar, FL
3 bd2 ba1,274 sqft
Seminole, Florida
Keep the rate.
Buy the home in Seminole.
16 assumable homes for sale in Seminole, with locked rates from 2.77%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.32%
vs 7.2% market
$543/mo saved
Median locked rate
6.32%
Across 16 assumable listings
Typical monthly savings
$543
On a $387,500 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 Seminole
Homes with a rate worth keeping
2.86% VA
$325,000
$1,263/mo
8897 54TH Street
Pinellas Park, FL
3 bd2 ba1,242 sqft
2.87% FHA
$305,000
$1,140/mo
8320 43RD Way
Pinellas Park, FL
3 bd1 ba1,192 sqft
3.10% FHA
$185,000
$767/mo
6311 93RD Terrace
Pinellas Park, FL
2 bd2 ba1,190 sqft
2.50% VA
$345,000
$1,125/mo
1750 34TH Avenue
St Petersburg, FL
2 bd2 ba1,125 sqft
2.75% VA
$400,000
$1,415/mo
1635 BRANDYWINE Way
Dunedin, FL
2 bd2 ba1,158 sqft
Inventory snapshot
What’s assumable in Seminole right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 16
- Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 6.32%
- Median list price
- $387,500
- Median cash to assume
- $139,664
Listings by locked rate
- Under 4%5 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up9 homes
Listings by loan type
- FHA10 homesmedian 6.82%
- VA6 homesmedian 3.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Seminole 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
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Seminole.
A 7.2% new loan against an assumable one at 6.32%, same balance, 30 years.
You keep every month
$183/mo
Over a year$2,191
Monthly payment, side by side
7.2% vs 6.32%
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 Seminole
Numbers below come from current Seminole inventory and update as listings change.
- How many assumable homes are for sale in Seminole?
- As of September 2026, UMe tracks 16 active assumable listings in Seminole. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Seminole?
- Current Seminole inventory breaks down as FHA (10, median 6.82%) and VA (6, median 3.65%). 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 Seminole right now?
- The lowest rate on an active Seminole assumable listing is 2.77%, and the median across all 16 listings is 6.32%. 5 listings are under 4% and 5 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 Seminole?
- Across current Seminole listings, the median principal-and-interest payment on the assumable loan is $1,577 per month versus $2,121 for the same balance at today's rates, a difference of about $543 every month, or $6,521 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 Seminole?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Seminole that gap is currently a median of $139,664 on a median list price of $387,500. 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 Seminole ZIP codes have the most assumable homes?
- The Seminole ZIP codes with the most active assumable listings are 33777 (10), 33772 (2), 33776 (2), 33708 (1), and 33778 (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 Seminole?
- 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 Seminole.
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.
