FHA
Active
50$305,000$60,045 down
- Rate
- 2.87%
6.95%today- Payment
- $1,140/mo
$1,820today
- 3beds
- 1baths
- 1,192sqft
Redington Shores, Florida
Assumable homes for salein Redington Shores, Florida.
2 homes in Redington Shores carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.21%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Redington Shores assumable market
by the numbers.
2active assumable listings
3.21%lowest locked rate
$663kmedian list price
$502saved per month vs. 7.2%
About the market
Assumable mortgagesin Redington Shores, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Redington Shores. Updated September 2026.
How assumptions work for buyersRedington Shores, Florida has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan 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 Redington Shores assumable listings start at 3.21% with a median of 5.01%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Redington Shores lists for $662,500, with a median of $407,163 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 $1,459 a month versus $1,961 for the same balance at today's rate, roughly $502 kept every month and $6,022 a year. The most active Redington Shores ZIP codes are 33708 (2).
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 Redington Shores assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Redington Shores
View all 2 on the map Homes on the marketin Redington Shores.
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
FHA
Active
38$260,000$46,860 down
- Rate
- 3.11%
6.95%today- Payment
- $1,008/mo
$1,560today
- 3beds
- 1baths
- 792sqft
4811 12TH Avenue, St Petersburg
VA
Active
52$102,000$30,148 down
- Rate
- 2.66%
6.95%today- Payment
- $333/mo
$546today
- 1beds
- 1baths
- 840sqft
5980 TERRACE PARK Drive #108, St Petersburg
VA
Active
33$260,000$59,894 down
- Rate
- 2.88%
6.95%today- Payment
- $934/mo
$1,490today
- 2beds
- 1baths
- 946sqft
1900 46TH ST S, St Petersburg
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 Redington Shores.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.21%
- Median rate
- 5.01%
- Median list price
- $662,500
- Median cash to assume
- $407,163
Redington Shores listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Redington Shores listings by loan type
- FHA1 homemedian 3.21%
- VA1 homemedian 6.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Redington Shores ZIP code.
Each ZIP opens the Redington Shores map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Redington Shores numbers
What an assumable ratedoes to a Redington Shores payment.
The sliders start at the median Redington Shores assumable listing: $662,500 list price and a 5.01% 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)$410,000
62% 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 Redington Shores
$1,462/mo
New loan at 7.20%$1,731
Assumed at 5.00%
$1,462
Every month$269
Over five years$16,133
Interest you never pay$166,97526-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 Redington Shores listing on UMe shows the actual balance, rate, and payment.
How it works in Redington Shores
How to assumea mortgage in Redington Shores.
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 Redington Shores home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Redington Shores 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 $407,163 in Redington Shores 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 Redington Shores payment written in a different decade.
Redington Shores questions
Assuming a mortgagein Redington Shores.
The numbers below come from current Redington Shores inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Redington Shores?
As of September 2026, UMe tracks 2 active assumable listings in Redington Shores. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Redington Shores?
Current Redington Shores inventory breaks down as FHA (1, median 3.21%) and VA (1, median 6.81%). 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 Redington Shores?
The lowest rate on an active Redington Shores assumable listing is 3.21%, and the median across all 2 listings is 5.01%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Redington Shores?
Across current Redington Shores listings, the median principal-and-interest payment on the assumable loan is $1,459 per month versus $1,961 for the same balance at today's rates, a difference of about $502 every month, or $6,022 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 Redington Shores?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Redington Shores that gap is currently a median of $407,163 on a median list price of $662,500. 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 Redington Shores ZIP codes have the most assumable homes?
The Redington Shores ZIP codes with the most active assumable listings are 33708 (2). 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 Redington Shores?
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 Redington Shores.The rate is already on the house.
Every listing on the Redington Shores map has a rate you can take over. Start with the ones in Redington Shores, get pre-qualified in minutes, and let UMe carry the assumption to closing.
