VATop pick
Active
29$280,000$6,909 down
- Rate
- 2.875%
6.95%today- Payment
- $1,286/mo
$2,052today
- 3beds
- 2baths
- 1,274sqft
Clearwater, Florida
Assumable homes for salein Clearwater, Florida.
47 homes in Clearwater carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Clearwater assumable market
by the numbers.
47active assumable listings
2.87%lowest locked rate
$349kmedian list price
$559saved per month vs. 7.2%
About the market
Assumable mortgagesin Clearwater, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Clearwater. Updated September 2026.
How assumptions work for buyersClearwater, Florida has 47 homes for sale with an assumable mortgage as of September 2026: 29 FHA loans and 18 VA 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 Clearwater assumable listings start at 2.87% with a median of 5.41%; 14 listings are under 4% and 20 are under 5%.
The median assumable home in Clearwater lists for $349,000, with a median of $102,353 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 $1,573 a month versus $2,132 for the same balance at today's rate, roughly $559 kept every month and $6,711 a year. The most active Clearwater ZIP codes are 33756 (14), 33755 (9), 33761 (6), 33763 (5), and 33760 (4).
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 Clearwater assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Clearwater
View all 47 on the map Homes on the marketin Clearwater.
FHA
Active
50$305,000$60,045 down
- Rate
- 2.87%
6.95%today- Payment
- $1,140/mo
$1,820today
- 3beds
- 1baths
- 1,192sqft
8320 43RD Way, Pinellas Park
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
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 Clearwater.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 47
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 5.41%
- Median list price
- $349,000
- Median cash to assume
- $102,353
Clearwater listings by locked rate
- Under 4%14 homes
- 4% – 5%6 homes
- 5% – 6%4 homes
- 6% and up23 homes
Clearwater listings by loan type
- FHA29 homesmedian 4.35%
- VA18 homesmedian 6.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Clearwater ZIP code.
Each ZIP opens the Clearwater map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 33756
14 assumable homes
median 5.26% · $372,450
- 33755
9 assumable homes
median 6.54% · $320,000
- 33761
6 assumable homes
median 4.97% · $404,500
- 33763
5 assumable homes
median 6.39% · $325,000
- 33760
4 assumable homes
median 3.96% · $344,450
- 33764
4 assumable homes
median 5.63% · $372,000
- 33762
3 assumable homes
median 5.41% · $325,000
- 33759
2 assumable homes
median 5.54% · $664,500
Run the Clearwater numbers
What an assumable ratedoes to a Clearwater payment.
The sliders start at the median Clearwater assumable listing: $349,000 list price and a 5.41% 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)$105,000
30% 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 Clearwater
$1,463/mo
New loan at 7.20%$1,663
Assumed at 5.40%
$1,463
Every month$200
Over five years$12,005
Interest you never pay$142,25026-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 Clearwater listing on UMe shows the actual balance, rate, and payment.
How it works in Clearwater
How to assumea mortgage in Clearwater.
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 Clearwater home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Clearwater 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 $102,353 in Clearwater 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 Clearwater payment written in a different decade.
Clearwater questions
Assuming a mortgagein Clearwater.
The numbers below come from current Clearwater inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Clearwater?
As of September 2026, UMe tracks 47 active assumable listings in Clearwater. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Clearwater?
Current Clearwater inventory breaks down as FHA (29, median 4.35%) and VA (18, median 6.25%). 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 Clearwater?
The lowest rate on an active Clearwater assumable listing is 2.87%, and the median across all 47 listings is 5.41%. 14 listings are under 4% and 20 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 Clearwater?
Across current Clearwater listings, the median principal-and-interest payment on the assumable loan is $1,573 per month versus $2,132 for the same balance at today's rates, a difference of about $559 every month, or $6,711 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 Clearwater?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Clearwater that gap is currently a median of $102,353 on a median list price of $349,000. 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 Clearwater ZIP codes have the most assumable homes?
The Clearwater ZIP codes with the most active assumable listings are 33756 (14), 33755 (9), 33761 (6), 33763 (5), and 33760 (4). 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 Clearwater?
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 Clearwater.The rate is already on the house.
Every listing on the Clearwater map has a rate you can take over. Start with the ones in Clearwater, get pre-qualified in minutes, and let UMe carry the assumption to closing.
