FHA
Active
25$365,000$74,853 down
- Rate
- 2.90%
6.95%today- Payment
- $1,349/mo
$2,145today
- 4beds
- 2baths
- 1,819sqft
San Antonio, Florida
Assumable homes for salein San Antonio, Florida.
18 homes in San Antonio carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.68%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
San Antonio assumable market
by the numbers.
18active assumable listings
2.68%lowest locked rate
$344kmedian list price
$464saved per month vs. 7.2%
About the market
Assumable mortgagesin San Antonio, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to San Antonio. Updated September 2026.
How assumptions work for buyersSan Antonio, 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 San Antonio assumable listings start at 2.68% with a median of 6.52%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in San Antonio lists for $344,450, with a median of $159,793 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 $1,546 a month versus $2,010 for the same balance at today's rate, roughly $464 kept every month and $5,563 a year. The most active San Antonio ZIP codes are 33576 (18).
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 San Antonio assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in San Antonio
View all 18 on the map Homes on the marketin San Antonio.
FHA
Active
23$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
FHA
Active
19$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
VA
Active
29$290,000$38,822 down
- Rate
- 3.14%
6.95%today- Payment
- $1,196/mo
$1,845today
- 3beds
- 2baths
- 1,513sqft
35265 GENDRY Street, Zephyrhills
FHA
Active
49$337,000$37,321 down
- Rate
- 3.45%
6.95%today- Payment
- $1,468/mo
$2,177today
- 4beds
- 2baths
- 1,846sqft
7774 SAIL CLOVER Lane, Zephyrhills
VA
Active
39$479,000$87,135 down
- Rate
- 3.45%
6.95%today- Payment
- $1,923/mo
$2,853today
- 3beds
- 2baths
- 1,686sqft
27729 GREEN WILLOW Run, Wesley Chapel
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 San Antonio.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 6.52%
- Median list price
- $344,450
- Median cash to assume
- $159,793
San Antonio listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up11 homes
San Antonio listings by loan type
- FHA11 homesmedian 6.65%
- VA7 homesmedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby San Antonio ZIP code.
Each ZIP opens the San Antonio map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the San Antonio numbers
What an assumable ratedoes to a San Antonio payment.
The sliders start at the median San Antonio assumable listing: $344,450 list price and a 6.52% 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)$160,000
46% 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 San Antonio
$1,230/mo
New loan at 7.20%$1,256
Assumed at 6.50%
$1,230
Every month$26
Over five years$1,540
Interest you never pay$68,28226-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 San Antonio listing on UMe shows the actual balance, rate, and payment.
How it works in San Antonio
How to assumea mortgage in San Antonio.
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 San Antonio home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the San Antonio 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 $159,793 in San Antonio 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 San Antonio payment written in a different decade.
San Antonio questions
Assuming a mortgagein San Antonio.
The numbers below come from current San Antonio inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in San Antonio?
As of September 2026, UMe tracks 18 active assumable listings in San Antonio. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in San Antonio?
Current San Antonio inventory breaks down as FHA (11, median 6.65%) and VA (7, median 6.35%). 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 San Antonio?
The lowest rate on an active San Antonio assumable listing is 2.68%, and the median across all 18 listings is 6.52%. 5 listings are under 4% and 6 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 San Antonio?
Across current San Antonio listings, the median principal-and-interest payment on the assumable loan is $1,546 per month versus $2,010 for the same balance at today's rates, a difference of about $464 every month, or $5,563 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 San Antonio?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In San Antonio that gap is currently a median of $159,793 on a median list price of $344,450. 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 San Antonio ZIP codes have the most assumable homes?
The San Antonio ZIP codes with the most active assumable listings are 33576 (18). 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 San Antonio?
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 San Antonio.The rate is already on the house.
Every listing on the San Antonio map has a rate you can take over. Start with the ones in San Antonio, get pre-qualified in minutes, and let UMe carry the assumption to closing.
