FHATop pick
Active
48$234,900$18,671 down
- Rate
- 3.11%
6.95%today- Payment
- $1,024/mo
$1,586today
- 3beds
- 3baths
- 1,732sqft
Port Richey, Florida
Assumable homes for salein Port Richey, Florida.
42 homes in Port Richey carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.78%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Port Richey assumable market
by the numbers.
42active assumable listings
2.78%lowest locked rate
$270kmedian list price
$489saved per month vs. 7.2%
About the market
Assumable mortgagesin Port Richey, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Port Richey. Updated September 2026.
How assumptions work for buyersPort Richey, Florida has 42 homes for sale with an assumable mortgage as of September 2026: 29 FHA loans and 13 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 Port Richey assumable listings start at 2.78% with a median of 5.89%; 13 listings are under 4% and 20 are under 5%.
The median assumable home in Port Richey lists for $269,500, with a median of $80,000 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 $1,148 a month versus $1,637 for the same balance at today's rate, roughly $489 kept every month and $5,867 a year. The most active Port Richey ZIP codes are 34668 (42).
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 Port Richey assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Port Richey
View all 42 on the map Homes on the marketin Port Richey.
VA
Active
44$289,000$45,014 down
- Rate
- 3.07%
6.95%today- Payment
- $1,153/mo
$1,795today
- 3beds
- 2baths
- 1,302sqft
3207 COLDWELL Drive, Holiday
FHA
Active
19$279,000$49,516 down
- Rate
- 3.10%
6.95%today- Payment
- $1,086/mo
$1,683today
- 2beds
- 2baths
- 1,644sqft
8040 SAYBROOK Drive, Port Richey
FHA
Active
35$335,000$56,497 down
- Rate
- 3.10%
6.95%today- Payment
- $1,321/mo
$2,047today
- 3beds
- 2baths
- 1,496sqft
1133 GRAND Boulevard, Holiday
FHA
Active
39$350,000$59,157 down
- Rate
- 3.12%
6.95%today- Payment
- $1,379/mo
$2,133today
- 4beds
- 3baths
- 1,870sqft
6131 SPRING CRAYFISH Avenue, New Port Richey
VA
Active
40$199,000Potential short sale
- Rate
- 3.69%
6.95%today- Payment
- $1,049/mo
$1,510today
- 2beds
- 1baths
- 816sqft
4312 BEACON SQUARE Drive, Holiday
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 Port Richey.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 42
- UMe Certified / verified
- 0
- Lowest rate
- 2.78%
- Median rate
- 5.89%
- Median list price
- $269,500
- Median cash to assume
- $80,000
Port Richey listings by locked rate
- Under 4%13 homes
- 4% – 5%7 homes
- 5% – 6%1 home
- 6% and up20 homes
Port Richey listings by loan type
- FHA29 homesmedian 6.38%
- VA13 homesmedian 3.90%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Port Richey ZIP code.
Each ZIP opens the Port Richey map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Port Richey numbers
What an assumable ratedoes to a Port Richey payment.
The sliders start at the median Port Richey assumable listing: $269,500 list price and a 5.89% 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
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 Port Richey
$1,192/mo
New loan at 7.20%$1,290
Assumed at 5.90%
$1,192
Every month$97
Over five years$5,845
Interest you never pay$92,30226-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 Port Richey listing on UMe shows the actual balance, rate, and payment.
How it works in Port Richey
How to assumea mortgage in Port Richey.
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 Port Richey home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Port Richey 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 $80,000 in Port Richey 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 Port Richey payment written in a different decade.
Port Richey questions
Assuming a mortgagein Port Richey.
The numbers below come from current Port Richey inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Port Richey?
As of September 2026, UMe tracks 42 active assumable listings in Port Richey. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Port Richey?
Current Port Richey inventory breaks down as FHA (29, median 6.38%) and VA (13, median 3.90%). 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 Port Richey?
The lowest rate on an active Port Richey assumable listing is 2.78%, and the median across all 42 listings is 5.89%. 13 listings are under 4% and 20 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 Port Richey?
Across current Port Richey listings, the median principal-and-interest payment on the assumable loan is $1,148 per month versus $1,637 for the same balance at today's rates, a difference of about $489 every month, or $5,867 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 Port Richey?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Port Richey that gap is currently a median of $80,000 on a median list price of $269,500. 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 Port Richey ZIP codes have the most assumable homes?
The Port Richey ZIP codes with the most active assumable listings are 34668 (42). 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 Port Richey?
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 Port Richey.The rate is already on the house.
Every listing on the Port Richey map has a rate you can take over. Start with the ones in Port Richey, get pre-qualified in minutes, and let UMe carry the assumption to closing.
