FHA
Active
51$349,000$78,817 down
- Rate
- 2.93%
6.95%today- Payment
- $1,271/mo
$2,014today
- 3beds
- 2baths
- 2,017sqft
Fort Myers, Florida
Assumable homes for salein Fort Myers, Florida.
10 homes in Fort Myers carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.76%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fort Myers assumable market
by the numbers.
10active assumable listings
2.76%lowest locked rate
$316kmedian list price
$533saved per month vs. 7.2%
About the market
Assumable mortgagesin Fort Myers, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Fort Myers. Updated September 2026.
How assumptions work for buyersFort Myers, Florida has 10 homes for sale with an assumable mortgage as of September 2026: 10 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 Fort Myers assumable listings start at 2.76% with a median of 4.91%; 4 listings are under 4% and 5 are under 5%.
The median assumable home in Fort Myers lists for $315,500, with a median of $133,848 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 $936 a month versus $1,469 for the same balance at today's rate, roughly $533 kept every month and $6,390 a year. The most active Fort Myers ZIP codes are 33905 (4), 33908 (3), 33901 (1), 33912 (1), and 33919 (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 Fort Myers assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fort Myers
View all 10 on the map Homes on the marketin Fort Myers.
VA
Active
12$299,000$72,983 down
- Rate
- 3.45%
6.95%today- Payment
- $1,160/mo
$1,721today
- 2beds
- 2baths
- 1,615sqft
3364 GOLDA Circle, North Fort Myers
VA
Active
28$284,900$99,968 down
- Rate
- 2.68%
6.95%today- Payment
- $859/mo
$1,405today
- 3beds
- 2baths
- 1,692sqft
219 25TH Place, Cape Coral
FHA
Active
98$3,750,000$2,690,657 down
- Rate
- 2.76%
6.95%today- Payment
- $4,859/mo
$7,868today
- 5beds
- 7baths
- 7,662sqft
12201 CAISSON Lane, Fort Myers
VA
Active
51$450,000$172,126 down
- Rate
- 2.86%
6.95%today- Payment
- $1,325/mo
$2,118today
- 3beds
- 2baths
- 2,009sqft
43047 PARKSIDE Court, Punta Gorda
VA
Active
48$325,000$163,720 down
- Rate
- 2.97%
6.95%today- Payment
- $909/mo
$1,353today
- 3beds
- 2baths
- 1,908sqft
706 51ST Terrace, Cape Coral
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 Fort Myers.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 2.76%
- Median rate
- 4.91%
- Median list price
- $315,500
- Median cash to assume
- $133,848
Fort Myers listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up4 homes
Fort Myers listings by loan type
- FHA10 homesmedian 4.91%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fort Myers ZIP code.
Each ZIP opens the Fort Myers map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fort Myers numbers
What an assumable ratedoes to a Fort Myers payment.
The sliders start at the median Fort Myers assumable listing: $315,500 list price and a 4.91% 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)$135,000
43% 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 Fort Myers
$1,021/mo
New loan at 7.20%$1,222
Assumed at 4.90%
$1,021
Every month$200
Over five years$12,022
Interest you never pay$121,16126-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 Fort Myers listing on UMe shows the actual balance, rate, and payment.
How it works in Fort Myers
How to assumea mortgage in Fort Myers.
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 Fort Myers home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fort Myers 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 $133,848 in Fort Myers 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 Fort Myers payment written in a different decade.
Fort Myers questions
Assuming a mortgagein Fort Myers.
The numbers below come from current Fort Myers inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fort Myers?
As of September 2026, UMe tracks 10 active assumable listings in Fort Myers. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fort Myers?
Current Fort Myers inventory breaks down as FHA (10, median 4.91%). 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 Fort Myers?
The lowest rate on an active Fort Myers assumable listing is 2.76%, and the median across all 10 listings is 4.91%. 4 listings are under 4% and 5 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 Fort Myers?
Across current Fort Myers listings, the median principal-and-interest payment on the assumable loan is $936 per month versus $1,469 for the same balance at today's rates, a difference of about $533 every month, or $6,390 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 Fort Myers?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fort Myers that gap is currently a median of $133,848 on a median list price of $315,500. 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 Fort Myers ZIP codes have the most assumable homes?
The Fort Myers ZIP codes with the most active assumable listings are 33905 (4), 33908 (3), 33901 (1), 33912 (1), and 33919 (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 Fort Myers?
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 Fort Myers.The rate is already on the house.
Every listing on the Fort Myers map has a rate you can take over. Start with the ones in Fort Myers, get pre-qualified in minutes, and let UMe carry the assumption to closing.
