FHA
Active
23$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
Dade City, Florida
Assumable homes for salein Dade City, Florida.
23 homes in Dade City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Dade City assumable market
by the numbers.
23active assumable listings
2.77%lowest locked rate
$325kmedian list price
$281saved per month vs. 7.2%
About the market
Assumable mortgagesin Dade City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Dade City. Updated September 2026.
How assumptions work for buyersDade City, Florida has 23 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 7 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 Dade City assumable listings start at 2.77% with a median of 6.13%; 5 listings are under 4% and 8 are under 5%.
The median assumable home in Dade City lists for $325,000, with a median of $124,145 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 $1,828 a month versus $2,108 for the same balance at today's rate, roughly $281 kept every month and $3,370 a year. The most active Dade City ZIP codes are 33525 (19) and 33523 (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 Dade City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Dade City
View all 23 on the map Homes on the marketin Dade City.
FHA
Active
19$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
VA
Active
29$290,000$38,822 down
- Rate
- 3.14%
6.95%today- Payment
- $1,196/mo
$1,845today
- 3beds
- 2baths
- 1,513sqft
35265 GENDRY Street, Zephyrhills
FHA
Active
49$337,000$37,321 down
- Rate
- 3.45%
6.95%today- Payment
- $1,468/mo
$2,177today
- 4beds
- 2baths
- 1,846sqft
7774 SAIL CLOVER Lane, Zephyrhills
VA
Active
40$295,000$75,033 down
- Rate
- 2.73%
6.95%today- Payment
- $1,022/mo
$1,661today
- 4beds
- 2baths
- 1,846sqft
7804 DAVIE RAY Drive, Zephyrhills
VA
Active
82$374,990$65,632 down
- Rate
- 2.90%
6.95%today- Payment
- $1,438/mo
$2,287today
- 2beds
- 2baths
- 1,968sqft
31527 CANNON RUSH Drive, San Antonio
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 Dade City.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 23
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 6.13%
- Median list price
- $325,000
- Median cash to assume
- $124,145
Dade City listings by locked rate
- Under 4%5 homes
- 4% – 5%3 homes
- 5% – 6%1 home
- 6% and up14 homes
Dade City listings by loan type
- FHA16 homesmedian 6.34%
- VA7 homesmedian 2.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Dade City ZIP code.
Each ZIP opens the Dade City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Dade City numbers
What an assumable ratedoes to a Dade City payment.
The sliders start at the median Dade City assumable listing: $325,000 list price and a 6.13% 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)$125,000
38% 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 Dade City
$1,286/mo
New loan at 7.20%$1,358
Assumed at 6.15%
$1,286
Every month$72
Over five years$4,297
Interest you never pay$87,51026-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 Dade City listing on UMe shows the actual balance, rate, and payment.
How it works in Dade City
How to assumea mortgage in Dade City.
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 Dade City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Dade City 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 $124,145 in Dade City 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 Dade City payment written in a different decade.
Dade City questions
Assuming a mortgagein Dade City.
The numbers below come from current Dade City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Dade City?
As of September 2026, UMe tracks 23 active assumable listings in Dade City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Dade City?
Current Dade City inventory breaks down as FHA (16, median 6.34%) and VA (7, 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 Dade City?
The lowest rate on an active Dade City assumable listing is 2.77%, and the median across all 23 listings is 6.13%. 5 listings are under 4% and 8 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 Dade City?
Across current Dade City listings, the median principal-and-interest payment on the assumable loan is $1,828 per month versus $2,108 for the same balance at today's rates, a difference of about $281 every month, or $3,370 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 Dade City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dade City that gap is currently a median of $124,145 on a median list price of $325,000. 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 Dade City ZIP codes have the most assumable homes?
The Dade City ZIP codes with the most active assumable listings are 33525 (19) and 33523 (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 Dade City?
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 Dade City.The rate is already on the house.
Every listing on the Dade City map has a rate you can take over. Start with the ones in Dade City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
