FHA
Active
57$417,900$168,646 down
- Rate
- 2.79%
6.95%today- Payment
- $1,169/mo
$1,885today
- 10beds
- 8baths
- 1,841sqft
Pembroke Pines, Florida
Assumable homes for salein Pembroke Pines, Florida.
3 homes in Pembroke Pines carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pembroke Pines assumable market
by the numbers.
3active assumable listings
2.81%lowest locked rate
$639kmedian list price
$557saved per month vs. 7.2%
About the market
Assumable mortgagesin Pembroke Pines, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Pembroke Pines. Updated September 2026.
How assumptions work for buyersPembroke Pines, Florida has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 1 VA 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 Pembroke Pines assumable listings start at 2.81% with a median of 3.88%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Pembroke Pines lists for $639,000, with a median of $284,521 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 $1,468 a month versus $2,025 for the same balance at today's rate, roughly $557 kept every month and $6,684 a year. The most active Pembroke Pines ZIP codes are 33029 (2) and 33025 (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 Pembroke Pines assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pembroke Pines
View all 3 on the map Homes on the marketin Pembroke Pines.
VA
Active
52$699,000$286,450 down
- Rate
- 2.81%
6.95%today- Payment
- $1,934/mo
$3,111today
- 4beds
- 3baths
- 2,054sqft
1531 194TH Terrace, Pembroke Pines
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
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 Pembroke Pines.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 3.88%
- Median list price
- $639,000
- Median cash to assume
- $284,521
Pembroke Pines listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up0 homes
Pembroke Pines listings by loan type
- FHA2 homesmedian 4.20%
- VA1 homemedian 2.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pembroke Pines ZIP code.
Each ZIP opens the Pembroke Pines map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pembroke Pines numbers
What an assumable ratedoes to a Pembroke Pines payment.
The sliders start at the median Pembroke Pines assumable listing: $639,000 list price and a 3.88% 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)$285,000
45% 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 Pembroke Pines
$1,812/mo
New loan at 7.20%$2,410
Assumed at 3.90%
$1,812
Every month$597
Over five years$35,847
Interest you never pay$302,06826-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 Pembroke Pines listing on UMe shows the actual balance, rate, and payment.
How it works in Pembroke Pines
How to assumea mortgage in Pembroke Pines.
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 Pembroke Pines home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pembroke Pines 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 $284,521 in Pembroke Pines 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 Pembroke Pines payment written in a different decade.
Pembroke Pines questions
Assuming a mortgagein Pembroke Pines.
The numbers below come from current Pembroke Pines inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pembroke Pines?
As of September 2026, UMe tracks 3 active assumable listings in Pembroke Pines. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pembroke Pines?
Current Pembroke Pines inventory breaks down as FHA (2, median 4.20%) and VA (1, median 2.81%). 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 Pembroke Pines?
The lowest rate on an active Pembroke Pines assumable listing is 2.81%, and the median across all 3 listings is 3.88%. 2 listings are under 4% and 3 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 Pembroke Pines?
Across current Pembroke Pines listings, the median principal-and-interest payment on the assumable loan is $1,468 per month versus $2,025 for the same balance at today's rates, a difference of about $557 every month, or $6,684 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 Pembroke Pines?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pembroke Pines that gap is currently a median of $284,521 on a median list price of $639,000. 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 Pembroke Pines ZIP codes have the most assumable homes?
The Pembroke Pines ZIP codes with the most active assumable listings are 33029 (2) and 33025 (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 Pembroke Pines?
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 Pembroke Pines.The rate is already on the house.
Every listing on the Pembroke Pines map has a rate you can take over. Start with the ones in Pembroke Pines, get pre-qualified in minutes, and let UMe carry the assumption to closing.
