VATop pick
Active
30$350,000$4,251 down
- Rate
- 3.07%
6.95%today- Payment
- $1,638/mo
$2,549today
- 3beds
- 2baths
- 1,832sqft
Lake Suzy, Florida
Assumable homes for salein Lake Suzy, Florida.
1 home in Lake Suzy carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.82%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lake Suzy assumable market
by the numbers.
1active assumable listing
6.82%lowest locked rate
$500kmedian list price
$195saved per month vs. 7.2%
About the market
Assumable mortgagesin Lake Suzy, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Lake Suzy. Updated September 2026.
How assumptions work for buyersLake Suzy, 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 Lake Suzy assumable listings start at 6.82% with a median of 6.82%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Lake Suzy lists for $499,990, with a median of $99,076 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 $2,685 a month versus $2,880 for the same balance at today's rate, roughly $195 kept every month and $2,334 a year. The most active Lake Suzy ZIP codes are 34269 (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 Lake Suzy assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lake Suzy
View all 1 on the map Homes on the marketin Lake Suzy.
FHATop pick
Active
24$235,000$16,081 down
- Rate
- 3.04%
6.95%today- Payment
- $1,047/mo
$1,636today
- 2beds
- 2baths
- 1,408sqft
3003 SIKESTON Avenue, North Port
FHATop pick
Active
36$395,000$22,121 down
- Rate
- 3.11%
6.95%today- Payment
- $1,763/mo
$2,729today
- 3beds
- 2baths
- 1,877sqft
2262 RIO DE JANEIRO Avenue, Punta Gorda
FHA
Active
53$389,900$66,263 down
- Rate
- 2.86%
6.95%today- Payment
- $1,501/mo
$2,399today
- 3beds
- 2baths
- 1,578sqft
4086 GARDNER Drive, Port Charlotte
FHA
Active
52$364,777$34,679 down
- Rate
- 3.55%
6.95%today- Payment
- $1,638/mo
$2,400today
- 3beds
- 3baths
- 2,201sqft
1921 ISLES Road, Port Charlotte
FHA
Active
50$359,000$87,146 down
- Rate
- 2.86%
6.95%today- Payment
- $1,261/mo
$2,016today
- 3beds
- 2baths
- 1,779sqft
313 GOLD TREE, Punta Gorda
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 Lake Suzy.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.82%
- Median rate
- 6.82%
- Median list price
- $499,990
- Median cash to assume
- $99,076
Lake Suzy listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Lake Suzy listings by loan type
- FHA1 homemedian 6.82%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lake Suzy ZIP code.
Each ZIP opens the Lake Suzy map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lake Suzy numbers
What an assumable ratedoes to a Lake Suzy payment.
The sliders start at the median Lake Suzy assumable listing: $499,990 list price and a 6.82% 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)$100,000
20% 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 Lake Suzy
$2,736/mo
New loan at 7.20%$2,715
Assumed at 6.80%
$2,736
Every month$0
Over five years$0
Interest you never pay$123,83526-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 Lake Suzy listing on UMe shows the actual balance, rate, and payment.
How it works in Lake Suzy
How to assumea mortgage in Lake Suzy.
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 Lake Suzy home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lake Suzy 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 $99,076 in Lake Suzy 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 Lake Suzy payment written in a different decade.
Lake Suzy questions
Assuming a mortgagein Lake Suzy.
The numbers below come from current Lake Suzy inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lake Suzy?
As of September 2026, UMe tracks 1 active assumable listing in Lake Suzy. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lake Suzy?
Current Lake Suzy inventory breaks down as FHA (1, median 6.82%). 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 Lake Suzy?
The lowest rate on an active Lake Suzy assumable listing is 6.82%, and the median across all 1 listing is 6.82%. 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 Lake Suzy?
Across current Lake Suzy listings, the median principal-and-interest payment on the assumable loan is $2,685 per month versus $2,880 for the same balance at today's rates, a difference of about $195 every month, or $2,334 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 Lake Suzy?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lake Suzy that gap is currently a median of $99,076 on a median list price of $499,990. 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 Lake Suzy ZIP codes have the most assumable homes?
The Lake Suzy ZIP codes with the most active assumable listings are 34269 (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 Lake Suzy?
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 Lake Suzy.The rate is already on the house.
Every listing on the Lake Suzy map has a rate you can take over. Start with the ones in Lake Suzy, get pre-qualified in minutes, and let UMe carry the assumption to closing.
