FHA
Active
50$305,000$60,045 down
- Rate
- 2.87%
6.95%today- Payment
- $1,140/mo
$1,820today
- 3beds
- 1baths
- 1,192sqft
Belleair Beach, Florida
Assumable homes for salein Belleair Beach, Florida.
1 home in Belleair Beach carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Belleair Beach assumable market
by the numbers.
1active assumable listing
2.96%lowest locked rate
$669kmedian list price
$815saved per month vs. 7.2%
About the market
Assumable mortgagesin Belleair Beach, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Belleair Beach. Updated June 2026.
How assumptions work for buyersBelleair Beach, Florida has 1 home for sale with an assumable mortgage as of June 2026: 1 FHA 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 Belleair Beach assumable listings start at 2.96% with a median of 2.96%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Belleair Beach lists for $669,000, with a median of $409,626 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 $1,216 a month versus $2,032 for the same balance at today's rate, roughly $815 kept every month and $9,784 a year. The most active Belleair Beach ZIP codes are 33786 (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 Belleair Beach assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Belleair Beach
View all 1 on the map Homes on the marketin Belleair Beach.
VA
Active
28$439,900$82,794 down
- Rate
- 2.87%
6.95%today- Payment
- $1,658/mo
$2,647today
- 4beds
- 2baths
- 1,508sqft
2266 MANOR Court, Clearwater
FHA
Active
18$185,000$22,855 down
- Rate
- 3.10%
6.95%today- Payment
- $767/mo
$1,189today
- 2beds
- 2baths
- 1,190sqft
6311 93RD Terrace #4403, Pinellas Park
FHA
Active
45$299,000$44,448 down
- Rate
- 3.10%
6.95%today- Payment
- $1,205/mo
$1,867today
- 3beds
- 3baths
- 1,450sqft
3073 BRANCH Drive, Clearwater
FHA
Active
38$260,000$46,860 down
- Rate
- 3.11%
6.95%today- Payment
- $1,008/mo
$1,560today
- 3beds
- 1baths
- 792sqft
4811 12TH Avenue, St Petersburg
VA
Active
52$102,000$30,148 down
- Rate
- 2.66%
6.95%today- Payment
- $333/mo
$546today
- 1beds
- 1baths
- 840sqft
5980 TERRACE PARK Drive #108, St Petersburg
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 Belleair Beach.
Live counts from the MLS feeds we index for Florida. Updated June 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 2.96%
- Median list price
- $669,000
- Median cash to assume
- $409,626
Belleair Beach listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Belleair Beach listings by loan type
- FHA1 homemedian 2.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Belleair Beach ZIP code.
Each ZIP opens the Belleair Beach map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Belleair Beach numbers
What an assumable ratedoes to a Belleair Beach payment.
The sliders start at the median Belleair Beach assumable listing: $669,000 list price and a 2.96% 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)$410,000
61% 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 Belleair Beach
$1,194/mo
New loan at 7.20%$1,765
Assumed at 2.95%
$1,194
Every month$570
Over five years$34,230
Interest you never pay$262,70826-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 Belleair Beach listing on UMe shows the actual balance, rate, and payment.
How it works in Belleair Beach
How to assumea mortgage in Belleair 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 a Belleair Beach home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Belleair 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 $409,626 in Belleair 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 a Belleair Beach payment written in a different decade.
Belleair Beach questions
Assuming a mortgagein Belleair Beach.
The numbers below come from current Belleair Beach inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Belleair Beach?
As of June 2026, UMe tracks 1 active assumable listing in Belleair 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 Belleair Beach?
Current Belleair Beach inventory breaks down as FHA (1, median 2.96%). 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 Belleair Beach?
The lowest rate on an active Belleair Beach assumable listing is 2.96%, and the median across all 1 listing is 2.96%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Belleair Beach?
Across current Belleair Beach listings, the median principal-and-interest payment on the assumable loan is $1,216 per month versus $2,032 for the same balance at today's rates, a difference of about $815 every month, or $9,784 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 Belleair Beach?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Belleair Beach that gap is currently a median of $409,626 on a median list price of $669,000. 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 Belleair Beach ZIP codes have the most assumable homes?
The Belleair Beach ZIP codes with the most active assumable listings are 33786 (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 Belleair 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 Belleair Beach.The rate is already on the house.
Every listing on the Belleair Beach map has a rate you can take over. Start with the ones in Belleair Beach, get pre-qualified in minutes, and let UMe carry the assumption to closing.
