FHATop pick
Active
16$325,000$16,013 down
- Rate
- 3.14%
6.95%today- Payment
- $1,475/mo
$2,275today
- 4beds
- 3baths
- 2,577sqft
Parrish, Florida
Assumable homes for salein Parrish, Florida.
50 homes in Parrish 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
Parrish assumable market
by the numbers.
50active assumable listings
2.73%lowest locked rate
$415kmedian list price
$358saved per month vs. 7.2%
About the market
Assumable mortgagesin Parrish, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Parrish. Updated September 2026.
How assumptions work for buyersParrish, Florida has 50 homes for sale with an assumable mortgage as of September 2026: 31 FHA loans and 19 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 Parrish assumable listings start at 2.73% with a median of 6.37%; 15 listings are under 4% and 19 are under 5%.
The median assumable home in Parrish lists for $415,000, with a median of $79,197 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 $2,182 a month versus $2,540 for the same balance at today's rate, roughly $358 kept every month and $4,297 a year. The most active Parrish ZIP codes are 34219 (50).
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 Parrish assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Parrish
View all 50 on the map Homes on the marketin Parrish.
VATop pick
Active
25$409,000$40,518 down
- Rate
- 2.87%
6.95%today- Payment
- $1,715/mo
$2,738today
- 4beds
- 4baths
- 2,820sqft
528 OCEAN SPRAY Drive, Ruskin
FHATop pick
Active
20$330,999$26,681 down
- Rate
- 3.09%
6.95%today- Payment
- $1,445/mo
$2,242today
- 5beds
- 3baths
- 2,415sqft
566 SUNLIT CORAL Street, Ruskin
VA
Active
30$271,000$49,520 down
- Rate
- 2.67%
6.95%today- Payment
- $1,027/mo
$1,683today
- 2beds
- 2baths
- 1,852sqft
1818 DANBURY Drive, Sun City Center
FHA
Active
74$349,900$55,686 down
- Rate
- 2.88%
6.95%today- Payment
- $1,368/mo
$2,181today
- 3beds
- 3baths
- 1,904sqft
5636 SILVERBRIDGE Trail, Bradenton
VA
Active
34$339,000$66,881 down
- Rate
- 2.88%
6.95%today- Payment
- $1,265/mo
$2,017today
- 4beds
- 2baths
- 1,935sqft
16610 DELIA Street, Wimauma
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 Parrish.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 50
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 6.37%
- Median list price
- $415,000
- Median cash to assume
- $79,197
Parrish listings by locked rate
- Under 4%15 homes
- 4% – 5%4 homes
- 5% – 6%2 homes
- 6% and up29 homes
Parrish listings by loan type
- FHA31 homesmedian 6.50%
- VA19 homesmedian 6.19%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Parrish ZIP code.
Each ZIP opens the Parrish map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Parrish numbers
What an assumable ratedoes to a Parrish payment.
The sliders start at the median Parrish assumable listing: $415,000 list price and a 6.37% 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)$80,000
19% 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 Parrish
$2,196/mo
New loan at 7.20%$2,274
Assumed at 6.35%
$2,196
Every month$78
Over five years$4,686
Interest you never pay$133,51826-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 Parrish listing on UMe shows the actual balance, rate, and payment.
How it works in Parrish
How to assumea mortgage in Parrish.
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 Parrish home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Parrish 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 $79,197 in Parrish 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 Parrish payment written in a different decade.
Parrish questions
Assuming a mortgagein Parrish.
The numbers below come from current Parrish inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Parrish?
As of September 2026, UMe tracks 50 active assumable listings in Parrish. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Parrish?
Current Parrish inventory breaks down as FHA (31, median 6.50%) and VA (19, median 6.19%). 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 Parrish?
The lowest rate on an active Parrish assumable listing is 2.73%, and the median across all 50 listings is 6.37%. 15 listings are under 4% and 19 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 Parrish?
Across current Parrish listings, the median principal-and-interest payment on the assumable loan is $2,182 per month versus $2,540 for the same balance at today's rates, a difference of about $358 every month, or $4,297 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 Parrish?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Parrish that gap is currently a median of $79,197 on a median list price of $415,000. 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 Parrish ZIP codes have the most assumable homes?
The Parrish ZIP codes with the most active assumable listings are 34219 (50). 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 Parrish?
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 Parrish.The rate is already on the house.
Every listing on the Parrish map has a rate you can take over. Start with the ones in Parrish, get pre-qualified in minutes, and let UMe carry the assumption to closing.
