VA
Active
74$750,000$124,697 down
- Rate
- 2.88%
6.95%today- Payment
- $2,907/mo
$4,634today
- 3beds
- 2baths
- 2,267sqft
North Venice, Florida
Assumable homes for salein North Venice, Florida.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in North Venice.
Live MLS data · Updated
North Venice assumable market
by the numbers.
6active assumable listings
3.01%average locked rate
$590ktypical list price
$1,214saved per month vs. 7.2%
About the market
Assumable mortgagesin North Venice, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to North Venice. Updated September 2026.
How assumptions work for buyersAs of September 2026, UMe has no verified assumable listings in North Venice. That changes quickly: assumable homes come on the market every week across Florida as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a North Venice search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in North Venice
Homes on the marketin North Venice.
VA
Active
47$725,000$125,003 down
- Rate
- 3.10%
6.95%today- Payment
- $2,839/mo
$4,401today
- 4beds
- 3baths
- 2,329sqft
6145 ANISE Drive, Sarasota
VA
Active
66$719,900$137,100 down
- Rate
- 3.55%
6.95%today- Payment
- $2,892/mo
$4,236today
- 4beds
- 2baths
- 2,251sqft
13834 VANCANZA Drive, Venice
VA
Active
36$379,000$135,474 down
- Rate
- 2.68%
6.95%today- Payment
- $1,131/mo
$1,850today
- 2beds
- 2baths
- 1,540sqft
2600 PALMETTO Street, Nokomis
VA
Active
43$469,000$173,723 down
- Rate
- 2.86%
6.95%today- Payment
- $1,408/mo
$2,251today
- 2beds
- 2baths
- 2,376sqft
1123 MISTI Court, Venice
VA
Active
75$499,999$191,528 down
- Rate
- 2.96%
6.95%today- Payment
- $1,460/mo
$2,304today
- 3beds
- 2baths
- 1,817sqft
2600 CAMBRIDGE Drive, Sarasota
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.
Run the North Venice numbers
What an assumable ratedoes to a North Venice payment.
The sliders start at the median North Venice assumable listing: $590,483 list price and a 3.01% 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)$120,000
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 North Venice
$2,171/mo
New loan at 7.20%$3,190
Assumed at 3.00%
$2,171
Every month$1,019
Over five years$61,140
Interest you never pay$471,06026-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 Venice listing on UMe shows the actual balance, rate, and payment.
How it works in North Venice
How to assumea mortgage in North Venice.
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 Venice home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the North Venice 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. 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 Venice payment written in a different decade.
North Venice questions
Assuming a mortgagein North Venice.
The numbers below come from current North Venice inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in North Venice?
As of September 2026, there are no verified assumable listings in North Venice. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in North Venice.
What types of loans can be assumed in North Venice?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Florida. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in North Venice?
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 Venice.The rate is already on the house.
Every listing on the North Venice map has a rate you can take over. Start with the ones in North Venice, get pre-qualified in minutes, and let UMe carry the assumption to closing.
