FHA
Active
51$349,000$78,817 down
- Rate
- 2.93%
6.95%today- Payment
- $1,271/mo
$2,014today
- 3beds
- 2baths
- 2,017sqft
North Fort Myers, Florida
Assumable homes for salein North Fort Myers, Florida.
2 homes in North Fort Myers carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.45%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
North Fort Myers assumable market
by the numbers.
2active assumable listings
3.45%lowest locked rate
$305kmedian list price
$453saved per month vs. 7.2%
About the market
Assumable mortgagesin North Fort Myers, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to North Fort Myers. Updated June 2026.
How assumptions work for buyersNorth Fort Myers, Florida has 2 homes for sale with an assumable mortgage as of June 2026: 2 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 North Fort Myers assumable listings start at 3.45% with a median of 4.88%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in North Fort Myers lists for $304,500, with a median of $41,733 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 $1,509 a month versus $1,962 for the same balance at today's rate, roughly $453 kept every month and $5,437 a year. The most active North Fort Myers ZIP codes are 33903 (1) and 33917 (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 North 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 North Fort Myers
View all 2 on the map Homes on the marketin North 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
VA
Active
18$214,900$84,913 down
- Rate
- 3.20%
6.95%today- Payment
- $649/mo
$993today
- 4beds
- 2baths
- 1,242sqft
16352 QUESA Drive, Punta Gorda
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
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 North Fort Myers.
Live counts from the MLS feeds we index for Florida. Updated June 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.45%
- Median rate
- 4.88%
- Median list price
- $304,500
- Median cash to assume
- $41,733
North Fort Myers listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
North Fort Myers listings by loan type
- VA2 homesmedian 4.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby North Fort Myers ZIP code.
Each ZIP opens the North Fort Myers map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the North Fort Myers numbers
What an assumable ratedoes to a North Fort Myers payment.
The sliders start at the median North Fort Myers assumable listing: $304,500 list price and a 4.88% 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)$40,000
13% 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 North Fort Myers
$1,504/mo
New loan at 7.20%$1,799
Assumed at 4.90%
$1,504
Every month$295
Over five years$17,699
Interest you never pay$178,37626-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 North Fort Myers listing on UMe shows the actual balance, rate, and payment.
How it works in North Fort Myers
How to assumea mortgage in North 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 North Fort Myers home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the North 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 $41,733 in North 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 North Fort Myers payment written in a different decade.
North Fort Myers questions
Assuming a mortgagein North Fort Myers.
The numbers below come from current North Fort Myers inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in North Fort Myers?
As of June 2026, UMe tracks 2 active assumable listings in North 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 North Fort Myers?
Current North Fort Myers inventory breaks down as VA (2, median 4.88%). 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 North Fort Myers?
The lowest rate on an active North Fort Myers assumable listing is 3.45%, and the median across all 2 listings is 4.88%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in North Fort Myers?
Across current North Fort Myers listings, the median principal-and-interest payment on the assumable loan is $1,509 per month versus $1,962 for the same balance at today's rates, a difference of about $453 every month, or $5,437 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 North Fort Myers?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In North Fort Myers that gap is currently a median of $41,733 on a median list price of $304,500. 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 North Fort Myers ZIP codes have the most assumable homes?
The North Fort Myers ZIP codes with the most active assumable listings are 33903 (1) and 33917 (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 North 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 North Fort Myers.The rate is already on the house.
Every listing on the North Fort Myers map has a rate you can take over. Start with the ones in North Fort Myers, get pre-qualified in minutes, and let UMe carry the assumption to closing.
