FHATop pick
Active
16$325,000$16,013 down
- Rate
- 3.14%
6.95%today- Payment
- $1,475/mo
$2,275today
- 4beds
- 3baths
- 2,577sqft
Apollo Beach, Florida
Assumable homes for salein Apollo Beach, Florida.
41 homes in Apollo Beach carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.48%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Apollo Beach assumable market
by the numbers.
41active assumable listings
2.48%lowest locked rate
$439kmedian list price
$673saved per month vs. 7.2%
About the market
Assumable mortgagesin Apollo Beach, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Apollo Beach. Updated September 2026.
How assumptions work for buyersApollo Beach, Florida has 41 homes for sale with an assumable mortgage as of September 2026: 21 VA loans and 20 FHA loans 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 Apollo Beach assumable listings start at 2.48% with a median of 5.83%; 18 listings are under 4% and 19 are under 5%.
The median assumable home in Apollo Beach lists for $439,000, with a median of $108,504 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,986 a month versus $2,660 for the same balance at today's rate, roughly $673 kept every month and $8,082 a year. The most active Apollo Beach ZIP codes are 33572 (41).
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 Apollo Beach assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Apollo Beach
View all 41 on the map Homes on the marketin Apollo Beach.
VATop pick
Active
25$409,000$40,518 down
- Rate
- 2.87%
6.95%today- Payment
- $1,715/mo
$2,738today
- 4beds
- 4baths
- 2,820sqft
528 OCEAN SPRAY Drive, Ruskin
FHATop pick
Active
20$330,999$26,681 down
- Rate
- 3.09%
6.95%today- Payment
- $1,445/mo
$2,242today
- 5beds
- 3baths
- 2,415sqft
566 SUNLIT CORAL Street, Ruskin
VA
Active
30$271,000$49,520 down
- Rate
- 2.67%
6.95%today- Payment
- $1,027/mo
$1,683today
- 2beds
- 2baths
- 1,852sqft
1818 DANBURY Drive, Sun City Center
FHA
Active
37$369,900$66,332 down
- Rate
- 2.87%
6.95%today- Payment
- $1,413/mo
$2,255today
- 5beds
- 2baths
- 1,920sqft
1909 LIDO Drive, Brandon
FHA
Active
51$399,000$76,584 down
- Rate
- 2.87%
6.95%today- Payment
- $1,500/mo
$2,395today
- 3beds
- 3baths
- 2,679sqft
12349 BLUE PACIFIC Drive, Riverview
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.
Inventory snapshot
What’s in the mixin Apollo Beach.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 41
- UMe Certified / verified
- 0
- Lowest rate
- 2.48%
- Median rate
- 5.83%
- Median list price
- $439,000
- Median cash to assume
- $108,504
Apollo Beach listings by locked rate
- Under 4%18 homes
- 4% – 5%1 home
- 5% – 6%3 homes
- 6% and up18 homes
Apollo Beach listings by loan type
- VA21 homesmedian 3.99%
- FHA20 homesmedian 5.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Apollo Beach ZIP code.
Each ZIP opens the Apollo Beach map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Apollo Beach numbers
What an assumable ratedoes to an Apollo Beach payment.
The sliders start at the median Apollo Beach assumable listing: $439,000 list price and a 5.83% 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.
Cash to assume (seller’s equity)$110,000
25% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Apollo Beach
$2,061/mo
New loan at 7.20%$2,240
Assumed at 5.85%
$2,061
Every month$179
Over five years$10,761
Interest you never pay$163,47626-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Apollo Beach listing on UMe shows the actual balance, rate, and payment.
How it works in Apollo Beach
How to assumea mortgage in Apollo Beach.
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 Apollo Beach home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Apollo Beach 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, a median of $108,504 in Apollo Beach today. 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 Apollo Beach payment written in a different decade.
Apollo Beach questions
Assuming a mortgagein Apollo Beach.
The numbers below come from current Apollo Beach inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Apollo Beach?
As of September 2026, UMe tracks 41 active assumable listings in Apollo Beach. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Apollo Beach?
Current Apollo Beach inventory breaks down as VA (21, median 3.99%) and FHA (20, median 5.89%). 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 Apollo Beach?
The lowest rate on an active Apollo Beach assumable listing is 2.48%, and the median across all 41 listings is 5.83%. 18 listings are under 4% and 19 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 Apollo Beach?
Across current Apollo Beach listings, the median principal-and-interest payment on the assumable loan is $1,986 per month versus $2,660 for the same balance at today's rates, a difference of about $673 every month, or $8,082 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 Apollo Beach?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Apollo Beach that gap is currently a median of $108,504 on a median list price of $439,000. 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 Apollo Beach ZIP codes have the most assumable homes?
The Apollo Beach ZIP codes with the most active assumable listings are 33572 (41). 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 Apollo Beach?
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.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Apollo Beach.The rate is already on the house.
Every listing on the Apollo Beach map has a rate you can take over. Start with the ones in Apollo Beach, get pre-qualified in minutes, and let UMe carry the assumption to closing.
