FHATop pick
Active
16$299,500$30,097 down
- Rate
- 3.00%
6.95%today- Payment
- $1,283/mo
$2,015today
- 2beds
- 1baths
- 920sqft
Kenneth City, Florida
Assumable homes for salein Kenneth City, Florida.
1 home in Kenneth City carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 7.17%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kenneth City assumable market
by the numbers.
1active assumable listing
7.17%lowest locked rate
$339kmedian list price
$80saved per month vs. 7.2%
About the market
Assumable mortgagesin Kenneth City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Kenneth City. Updated September 2026.
How assumptions work for buyersKenneth City, Florida has 1 home for sale with an assumable mortgage as of September 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 Kenneth City assumable listings start at 7.17% with a median of 7.17%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Kenneth City lists for $339,000, with a median of $9,145 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 $2,283 a month versus $2,363 for the same balance at today's rate, roughly $80 kept every month and $965 a year. The most active Kenneth City ZIP codes are 33709 (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 Kenneth City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kenneth City
View all 1 on the map Homes on the marketin Kenneth City.
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
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 Kenneth City.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 7.17%
- Median rate
- 7.17%
- Median list price
- $339,000
- Median cash to assume
- $9,145
Kenneth City listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Kenneth City listings by loan type
- FHA1 homemedian 7.17%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kenneth City ZIP code.
Each ZIP opens the Kenneth City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Kenneth City numbers
What an assumable ratedoes to a Kenneth City payment.
The sliders start at the median Kenneth City assumable listing: $339,000 list price and a 7.17% 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)$10,000
3% 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 Kenneth City
$2,332/mo
New loan at 7.20%$2,240
Assumed at 7.15%
$2,332
Every month$0
Over five years$0
Interest you never pay$78,94526-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 Kenneth City listing on UMe shows the actual balance, rate, and payment.
How it works in Kenneth City
How to assumea mortgage in Kenneth 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 Kenneth City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kenneth 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 $9,145 in Kenneth 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 Kenneth City payment written in a different decade.
Kenneth City questions
Assuming a mortgagein Kenneth City.
The numbers below come from current Kenneth City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kenneth City?
As of September 2026, UMe tracks 1 active assumable listing in Kenneth 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 Kenneth City?
Current Kenneth City inventory breaks down as FHA (1, median 7.17%). 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 Kenneth City?
The lowest rate on an active Kenneth City assumable listing is 7.17%, and the median across all 1 listing is 7.17%. 0 listings are under 4% and 0 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 Kenneth City?
Across current Kenneth City listings, the median principal-and-interest payment on the assumable loan is $2,283 per month versus $2,363 for the same balance at today's rates, a difference of about $80 every month, or $965 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 Kenneth City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kenneth City that gap is currently a median of $9,145 on a median list price of $339,000. 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 Kenneth City ZIP codes have the most assumable homes?
The Kenneth City ZIP codes with the most active assumable listings are 33709 (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 Kenneth 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 Kenneth City.The rate is already on the house.
Every listing on the Kenneth City map has a rate you can take over. Start with the ones in Kenneth City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
