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
Crystal Beach, Florida
Assumable homes for salein Crystal Beach, Florida.
1 home in Crystal 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
Crystal Beach assumable market
by the numbers.
1active assumable listing
2.96%lowest locked rate
$725kmedian list price
$1,409saved per month vs. 7.2%
About the market
Assumable mortgagesin Crystal Beach, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Crystal Beach. Updated September 2026.
How assumptions work for buyersCrystal Beach, Florida has 1 home for sale with an assumable mortgage as of September 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 Crystal 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 Crystal Beach lists for $725,000, with a median of $289,818 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 $2,103 a month versus $3,512 for the same balance at today's rate, roughly $1,409 kept every month and $16,911 a year. The most active Crystal Beach ZIP codes are 34681 (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 Crystal Beach assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Crystal Beach
View all 1 on the map Homes on the marketin Crystal 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
VA
Active
44$289,000$45,014 down
- Rate
- 3.07%
6.95%today- Payment
- $1,153/mo
$1,795today
- 3beds
- 2baths
- 1,302sqft
3207 COLDWELL Drive, Holiday
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
35$335,000$56,497 down
- Rate
- 3.10%
6.95%today- Payment
- $1,321/mo
$2,047today
- 3beds
- 2baths
- 1,496sqft
1133 GRAND Boulevard, Holiday
FHA
Active
39$350,000$59,157 down
- Rate
- 3.12%
6.95%today- Payment
- $1,379/mo
$2,133today
- 4beds
- 3baths
- 1,870sqft
6131 SPRING CRAYFISH Avenue, New Port Richey
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 Crystal Beach.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 2.96%
- Median list price
- $725,000
- Median cash to assume
- $289,818
Crystal Beach listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Crystal Beach listings by loan type
- VA1 homemedian 2.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Crystal Beach ZIP code.
Each ZIP opens the Crystal Beach map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Crystal Beach numbers
What an assumable ratedoes to a Crystal Beach payment.
The sliders start at the median Crystal Beach assumable listing: $725,000 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)$290,000
40% 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 Crystal Beach
$1,998/mo
New loan at 7.20%$2,953
Assumed at 2.95%
$1,998
Every month$954
Over five years$57,269
Interest you never pay$439,53226-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 Crystal Beach listing on UMe shows the actual balance, rate, and payment.
How it works in Crystal Beach
How to assumea mortgage in Crystal 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 Crystal Beach home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Crystal 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 $289,818 in Crystal 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 Crystal Beach payment written in a different decade.
Crystal Beach questions
Assuming a mortgagein Crystal Beach.
The numbers below come from current Crystal Beach inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Crystal Beach?
As of September 2026, UMe tracks 1 active assumable listing in Crystal 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 Crystal Beach?
Current Crystal Beach inventory breaks down as VA (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 Crystal Beach?
The lowest rate on an active Crystal 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 Crystal Beach?
Across current Crystal Beach listings, the median principal-and-interest payment on the assumable loan is $2,103 per month versus $3,512 for the same balance at today's rates, a difference of about $1,409 every month, or $16,911 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 Crystal Beach?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Crystal Beach that gap is currently a median of $289,818 on a median list price of $725,000. 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 Crystal Beach ZIP codes have the most assumable homes?
The Crystal Beach ZIP codes with the most active assumable listings are 34681 (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 Crystal 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 Crystal Beach.The rate is already on the house.
Every listing on the Crystal Beach map has a rate you can take over. Start with the ones in Crystal Beach, get pre-qualified in minutes, and let UMe carry the assumption to closing.
