VATop pick
Active
29$280,000$6,909 down
- Rate
- 2.875%
6.95%today- Payment
- $1,286/mo
$2,052today
- 3beds
- 2baths
- 1,274sqft
Pinellas Park, Florida
Assumable homes for salein Pinellas Park, Florida.
18 homes in Pinellas Park carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.36%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pinellas Park assumable market
by the numbers.
18active assumable listings
2.36%lowest locked rate
$330kmedian list price
$683saved per month vs. 7.2%
About the market
Assumable mortgagesin Pinellas Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Pinellas Park. Updated September 2026.
How assumptions work for buyersPinellas Park, Florida has 18 homes for sale with an assumable mortgage as of September 2026: 11 FHA loans and 7 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 Pinellas Park assumable listings start at 2.36% with a median of 3.79%; 10 listings are under 4% and 10 are under 5%.
The median assumable home in Pinellas Park lists for $329,950, with a median of $98,400 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 $1,140 a month versus $1,823 for the same balance at today's rate, roughly $683 kept every month and $8,196 a year. The most active Pinellas Park ZIP codes are 33781 (9) and 33782 (9).
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 Pinellas Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pinellas Park
View all 18 on the map Homes on the marketin Pinellas Park.
FHATop pick
Active
16$299,500$30,097 down
- Rate
- 3.00%
6.95%today- Payment
- $1,283/mo
$2,015today
- 2beds
- 1baths
- 920sqft
3727 ALABAMA Avenue, St Petersburg
FHA
Active
50$305,000$60,045 down
- Rate
- 2.87%
6.95%today- Payment
- $1,140/mo
$1,820today
- 3beds
- 1baths
- 1,192sqft
8320 43RD Way, Pinellas Park
VA
Active
28$439,900$82,794 down
- Rate
- 2.87%
6.95%today- Payment
- $1,658/mo
$2,647today
- 4beds
- 2baths
- 1,508sqft
2266 MANOR Court, Clearwater
FHA
Active
18$185,000$22,855 down
- Rate
- 3.10%
6.95%today- Payment
- $767/mo
$1,189today
- 2beds
- 2baths
- 1,190sqft
6311 93RD Terrace #4403, Pinellas Park
FHA
Active
45$299,000$44,448 down
- Rate
- 3.10%
6.95%today- Payment
- $1,205/mo
$1,867today
- 3beds
- 3baths
- 1,450sqft
3073 BRANCH Drive, Clearwater
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 Pinellas Park.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.36%
- Median rate
- 3.79%
- Median list price
- $329,950
- Median cash to assume
- $98,400
Pinellas Park listings by locked rate
- Under 4%10 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up6 homes
Pinellas Park listings by loan type
- FHA11 homesmedian 3.12%
- VA7 homesmedian 5.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pinellas Park ZIP code.
Each ZIP opens the Pinellas Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pinellas Park numbers
What an assumable ratedoes to a Pinellas Park payment.
The sliders start at the median Pinellas Park assumable listing: $329,950 list price and a 3.79% 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)$100,000
30% 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 Pinellas Park
$1,161/mo
New loan at 7.20%$1,561
Assumed at 3.80%
$1,161
Every month$400
Over five years$23,987
Interest you never pay$199,66926-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 Pinellas Park listing on UMe shows the actual balance, rate, and payment.
How it works in Pinellas Park
How to assumea mortgage in Pinellas Park.
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 Pinellas Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pinellas Park 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 $98,400 in Pinellas Park 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 Pinellas Park payment written in a different decade.
Pinellas Park questions
Assuming a mortgagein Pinellas Park.
The numbers below come from current Pinellas Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pinellas Park?
As of September 2026, UMe tracks 18 active assumable listings in Pinellas Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pinellas Park?
Current Pinellas Park inventory breaks down as FHA (11, median 3.12%) and VA (7, median 5.25%). 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 Pinellas Park?
The lowest rate on an active Pinellas Park assumable listing is 2.36%, and the median across all 18 listings is 3.79%. 10 listings are under 4% and 10 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 Pinellas Park?
Across current Pinellas Park listings, the median principal-and-interest payment on the assumable loan is $1,140 per month versus $1,823 for the same balance at today's rates, a difference of about $683 every month, or $8,196 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 Pinellas Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pinellas Park that gap is currently a median of $98,400 on a median list price of $329,950. 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 Pinellas Park ZIP codes have the most assumable homes?
The Pinellas Park ZIP codes with the most active assumable listings are 33781 (9) and 33782 (9). 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 Pinellas Park?
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 Pinellas Park.The rate is already on the house.
Every listing on the Pinellas Park map has a rate you can take over. Start with the ones in Pinellas Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
