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
Seminole, Florida
Assumable homes for salein Seminole, Florida.
26 homes in Seminole carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.28%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Seminole assumable market
by the numbers.
26active assumable listings
2.28%lowest locked rate
$399kmedian list price
$591saved per month vs. 7.2%
About the market
Assumable mortgagesin Seminole, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Seminole. Updated September 2026.
How assumptions work for buyersSeminole, Florida has 26 homes for sale with an assumable mortgage as of September 2026: 17 VA loans and 9 FHA 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 Seminole assumable listings start at 2.28% with a median of 3.53%; 15 listings are under 4% and 16 are under 5%.
The median assumable home in Seminole lists for $398,950, with a median of $142,574 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 $1,577 a month versus $2,168 for the same balance at today's rate, roughly $591 kept every month and $7,092 a year. The most active Seminole ZIP codes are 33772 (11), 33777 (11), 33776 (2), 33708 (1), and 33778 (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 Seminole assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Seminole
View all 26 on the map Homes on the marketin Seminole.
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
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
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 Seminole.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 26
- UMe Certified / verified
- 0
- Lowest rate
- 2.28%
- Median rate
- 3.53%
- Median list price
- $398,950
- Median cash to assume
- $142,574
Seminole listings by locked rate
- Under 4%15 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up9 homes
Seminole listings by loan type
- VA17 homesmedian 3.00%
- FHA9 homesmedian 6.36%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Seminole ZIP code.
Each ZIP opens the Seminole map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Seminole numbers
What an assumable ratedoes to a Seminole payment.
The sliders start at the median Seminole assumable listing: $398,950 list price and a 3.53% 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)$145,000
36% 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 Seminole
$1,253/mo
New loan at 7.20%$1,731
Assumed at 3.55%
$1,253
Every month$478
Over five years$28,684
Interest you never pay$232,24226-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 Seminole listing on UMe shows the actual balance, rate, and payment.
How it works in Seminole
How to assumea mortgage in Seminole.
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 Seminole home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Seminole 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 $142,574 in Seminole 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 Seminole payment written in a different decade.
Seminole questions
Assuming a mortgagein Seminole.
The numbers below come from current Seminole inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Seminole?
As of September 2026, UMe tracks 26 active assumable listings in Seminole. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Seminole?
Current Seminole inventory breaks down as VA (17, median 3.00%) and FHA (9, median 6.36%). 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 Seminole?
The lowest rate on an active Seminole assumable listing is 2.28%, and the median across all 26 listings is 3.53%. 15 listings are under 4% and 16 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 Seminole?
Across current Seminole listings, the median principal-and-interest payment on the assumable loan is $1,577 per month versus $2,168 for the same balance at today's rates, a difference of about $591 every month, or $7,092 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 Seminole?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Seminole that gap is currently a median of $142,574 on a median list price of $398,950. 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 Seminole ZIP codes have the most assumable homes?
The Seminole ZIP codes with the most active assumable listings are 33772 (11), 33777 (11), 33776 (2), 33708 (1), and 33778 (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 Seminole?
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 Seminole.The rate is already on the house.
Every listing on the Seminole map has a rate you can take over. Start with the ones in Seminole, get pre-qualified in minutes, and let UMe carry the assumption to closing.
