FHA
Active
26$535,000$90,851 down
- Rate
- 7.22%
6.95%today- Payment
- $3,072/mo
$2,990today
- 4beds
- 2baths
- 1,836sqft
Palm Beach Gardens, Florida
Assumable homes for salein Palm Beach Gardens, 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 Palm Beach Gardens.
Live MLS data · Updated
Palm Beach Gardens assumable market
by the numbers.
1active assumable listing
7.22%average locked rate
$535ktypical list price
$0saved per month vs. 7.2%
About the market
Assumable mortgagesin Palm Beach Gardens, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Palm Beach Gardens. Updated September 2026.
How assumptions work for buyersAs of September 2026, UMe has no verified assumable listings in Palm Beach Gardens. 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 Palm Beach Gardens 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 Palm Beach Gardens
Homes on the marketin Palm Beach Gardens.
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 Palm Beach Gardens numbers
What an assumable ratedoes to a Palm Beach Gardens payment.
The sliders start at the median Palm Beach Gardens assumable listing: $535,000 list price and a 7.22% 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)$105,000
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 Palm Beach Gardens
$3,052/mo
New loan at 7.20%$2,919
Assumed at 7.20%
$3,052
Every month$0
Over five years$0
Interest you never pay$98,51126-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 Palm Beach Gardens listing on UMe shows the actual balance, rate, and payment.
How it works in Palm Beach Gardens
How to assumea mortgage in Palm Beach 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 Palm Beach Gardens home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Palm Beach 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. 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 Palm Beach Gardens payment written in a different decade.
Palm Beach Gardens questions
Assuming a mortgagein Palm Beach Gardens.
The numbers below come from current Palm Beach Gardens inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Palm Beach Gardens?
As of September 2026, there are no verified assumable listings in Palm Beach Gardens. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Palm Beach Gardens.
What types of loans can be assumed in Palm Beach Gardens?
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 Palm Beach 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 Palm Beach Gardens.The rate is already on the house.
Every listing on the Palm Beach Gardens map has a rate you can take over. Start with the ones in Palm Beach Gardens, get pre-qualified in minutes, and let UMe carry the assumption to closing.
