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
Largo, Florida
Assumable homes for salein Largo, Florida.
28 homes in Largo carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Largo assumable market
by the numbers.
28active assumable listings
2.73%lowest locked rate
$399kmedian list price
$703saved per month vs. 7.2%
About the market
Assumable mortgagesin Largo, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Largo. Updated September 2026.
How assumptions work for buyersLargo, Florida has 28 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 12 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 Largo assumable listings start at 2.73% with a median of 6.06%; 10 listings are under 4% and 13 are under 5%.
The median assumable home in Largo lists for $399,500, with a median of $140,990 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 $1,402 a month versus $2,105 for the same balance at today's rate, roughly $703 kept every month and $8,436 a year. The most active Largo ZIP codes are 33774 (9), 33771 (6), 33770 (4), 33778 (4), and 33773 (3).
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 Largo assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Largo
View all 28 on the map Homes on the marketin Largo.
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
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
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
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 Largo.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 28
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 6.06%
- Median list price
- $399,500
- Median cash to assume
- $140,990
Largo listings by locked rate
- Under 4%10 homes
- 4% – 5%3 homes
- 5% – 6%1 home
- 6% and up14 homes
Largo listings by loan type
- FHA16 homesmedian 5.25%
- VA12 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Largo ZIP code.
Each ZIP opens the Largo map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Largo numbers
What an assumable ratedoes to a Largo payment.
The sliders start at the median Largo assumable listing: $399,500 list price and a 6.06% 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)$140,000
35% 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 Largo
$1,656/mo
New loan at 7.20%$1,765
Assumed at 6.05%
$1,656
Every month$109
Over five years$6,555
Interest you never pay$118,79826-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 Largo listing on UMe shows the actual balance, rate, and payment.
How it works in Largo
How to assumea mortgage in Largo.
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 Largo home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Largo 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 $140,990 in Largo 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 Largo payment written in a different decade.
Largo questions
Assuming a mortgagein Largo.
The numbers below come from current Largo inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Largo?
As of September 2026, UMe tracks 28 active assumable listings in Largo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Largo?
Current Largo inventory breaks down as FHA (16, median 5.25%) and VA (12, median 6.26%). 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 Largo?
The lowest rate on an active Largo assumable listing is 2.73%, and the median across all 28 listings is 6.06%. 10 listings are under 4% and 13 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 Largo?
Across current Largo listings, the median principal-and-interest payment on the assumable loan is $1,402 per month versus $2,105 for the same balance at today's rates, a difference of about $703 every month, or $8,436 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 Largo?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Largo that gap is currently a median of $140,990 on a median list price of $399,500. 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 Largo ZIP codes have the most assumable homes?
The Largo ZIP codes with the most active assumable listings are 33774 (9), 33771 (6), 33770 (4), 33778 (4), and 33773 (3). 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 Largo?
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 Largo.The rate is already on the house.
Every listing on the Largo map has a rate you can take over. Start with the ones in Largo, get pre-qualified in minutes, and let UMe carry the assumption to closing.
