FHA
Active
57$417,900$168,646 down
- Rate
- 2.79%
6.95%today- Payment
- $1,169/mo
$1,885today
- 10beds
- 8baths
- 1,841sqft
Miami Gardens, Florida
Assumable homes for salein Miami Gardens, Florida.
1 home in Miami Gardens carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Miami Gardens assumable market
by the numbers.
1active assumable listing
6.50%lowest locked rate
$360kmedian list price
$135saved per month vs. 7.2%
About the market
Assumable mortgagesin Miami Gardens, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Miami Gardens. Updated September 2026.
How assumptions work for buyersMiami Gardens, 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 Miami Gardens assumable listings start at 6.50% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Miami Gardens lists for $360,000, with a median of $360,000 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 $1,820 a month versus $1,955 for the same balance at today's rate, roughly $135 kept every month and $1,615 a year. The most active Miami Gardens ZIP codes are 33055 (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 Miami Gardens assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Miami Gardens
View all 1 on the map Homes on the marketin Miami Gardens.
FHA
Active
60$639,000$519,155 down
- Rate
- 3.88%
6.95%today- Payment
- $947/mo
$1,332today
- 4beds
- 2baths
- 2,114sqft
9601 9TH Court, Pembroke Pines
FHA
Active
30$995,000$863,766 down
- Rate
- 3.91%
6.95%today- Payment
- $921/mo
$1,290today
- 3beds
- 2baths
- 1,360sqft
2131 BIARRITZ Drive, Miami Beach
FHA
Active
12$450,000$204,197 down
- Rate
- 4.52%
6.95%today- Payment
- $1,468/mo
$1,913today
- 2beds
- 2baths
- 1,200sqft
2122 184TH Way, Pembroke Pines
FHA
Active
6$510,000$140,200 down
- Rate
- 6.73%
6.95%today- Payment
- $2,487/mo
$2,543today
- 3beds
- 2baths
- 1,184sqft
1421 68TH Terrace, Hollywood
FHA
Active
37$579,900$186,977 down
- Rate
- 5.52%
6.95%today- Payment
- $2,375/mo
$2,762today
- 3beds
- 2baths
- 1,298sqft
8419 NW 193RD LN, Hialeah
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 Miami Gardens.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 6.50%
- Median list price
- $360,000
- Median cash to assume
- $360,000
Miami Gardens listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Miami Gardens listings by loan type
- FHA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Miami Gardens ZIP code.
Each ZIP opens the Miami Gardens map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Miami Gardens numbers
What an assumable ratedoes to a Miami Gardens payment.
The sliders start at the median Miami Gardens assumable listing: $360,000 list price and a 6.50% 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)$310,000
86% 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 Miami Gardens
$332/mo
New loan at 7.20%$339
Assumed at 6.50%
$332
Every month$7
Over five years$416
Interest you never pay$18,45526-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 Miami Gardens listing on UMe shows the actual balance, rate, and payment.
How it works in Miami Gardens
How to assumea mortgage in Miami Gardens.
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 Miami Gardens home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Miami Gardens 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 $360,000 in Miami Gardens 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 Miami Gardens payment written in a different decade.
Miami Gardens questions
Assuming a mortgagein Miami Gardens.
The numbers below come from current Miami Gardens inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Miami Gardens?
As of September 2026, UMe tracks 1 active assumable listing in Miami Gardens. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Miami Gardens?
Current Miami Gardens inventory breaks down as FHA (1, median 6.50%). 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 Miami Gardens?
The lowest rate on an active Miami Gardens assumable listing is 6.50%, and the median across all 1 listing is 6.50%. 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 Miami Gardens?
On the median Miami Gardens list price of $360,000 with 20% down, the payment at the median assumable rate of 6.50% is about $1,820 per month versus $1,955 at 7.2%, a difference of about $135 every month, or $1,615 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 Miami Gardens?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Miami Gardens that gap is currently a median of $360,000 on a median list price of $360,000. 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 Miami Gardens ZIP codes have the most assumable homes?
The Miami Gardens ZIP codes with the most active assumable listings are 33055 (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 Miami Gardens?
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 Miami Gardens.The rate is already on the house.
Every listing on the Miami Gardens map has a rate you can take over. Start with the ones in Miami Gardens, get pre-qualified in minutes, and let UMe carry the assumption to closing.
