VATop pick
Active
28$182,850Potential short sale
- Rate
- 2.77%
6.95%today- Payment
- $863/mo
$1,395today
- 2beds
- 2baths
- 1,195sqft
Spring Hill, Florida
Assumable homes for salein Spring Hill, Florida.
114 homes in Spring Hill carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Spring Hill assumable market
by the numbers.
114active assumable listings
2.65%lowest locked rate
$325kmedian list price
$506saved per month vs. 7.2%
About the market
Assumable mortgagesin Spring Hill, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Spring Hill. Updated September 2026.
How assumptions work for buyersSpring Hill, Florida has 114 homes for sale with an assumable mortgage as of September 2026: 79 FHA loans and 35 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 Spring Hill assumable listings start at 2.65% with a median of 5.46%; 47 listings are under 4% and 54 are under 5%.
The median assumable home in Spring Hill lists for $324,900, with a median of $100,004 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 $1,319 a month versus $1,825 for the same balance at today's rate, roughly $506 kept every month and $6,074 a year. The most active Spring Hill ZIP codes are 34609 (44), 34608 (31), 34606 (21), 34610 (17), and 34607 (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 Spring Hill assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Spring Hill
View all 114 on the map Homes on the marketin Spring Hill.
VATop pick
Active
38$385,000Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $2,153/mo
$3,337today
- 3beds
- 2baths
- 1,846sqft
11333 SILVERWOOD Court, Spring Hill
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
VA
Active
19$260,000$7,826 down
- Rate
- 3.76%
6.95%today- Payment
- $1,275/mo
$1,820today
- 2beds
- 2baths
- 1,274sqft
10707 SALAMANCA Drive, Port Richey
FHA
Active
38$324,900$43,206 down
- Rate
- 3.45%
6.95%today- Payment
- $1,383/mo
$2,051today
- 4beds
- 2baths
- 1,939sqft
518 ARGYLL Drive, Spring Hill
FHA
Active
26$270,000$41,880 down
- Rate
- 3.45%
6.95%today- Payment
- $1,117/mo
$1,657today
- 4beds
- 2baths
- 1,565sqft
1495 BISHOP Road, Spring Hill
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 Spring Hill.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 114
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 5.46%
- Median list price
- $324,900
- Median cash to assume
- $100,004
Spring Hill listings by locked rate
- Under 4%47 homes
- 4% – 5%7 homes
- 5% – 6%5 homes
- 6% and up55 homes
Spring Hill listings by loan type
- FHA79 homesmedian 6.01%
- VA35 homesmedian 4.59%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Spring Hill ZIP code.
Each ZIP opens the Spring Hill map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Spring Hill numbers
What an assumable ratedoes to a Spring Hill payment.
The sliders start at the median Spring Hill assumable listing: $324,900 list price and a 5.46% 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
31% 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 Spring Hill
$1,350/mo
New loan at 7.20%$1,527
Assumed at 5.45%
$1,350
Every month$177
Over five years$10,619
Interest you never pay$128,52726-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 Spring Hill listing on UMe shows the actual balance, rate, and payment.
How it works in Spring Hill
How to assumea mortgage in Spring Hill.
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 Spring Hill home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Spring Hill 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 $100,004 in Spring Hill 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 Spring Hill payment written in a different decade.
Spring Hill questions
Assuming a mortgagein Spring Hill.
The numbers below come from current Spring Hill inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Spring Hill?
As of September 2026, UMe tracks 114 active assumable listings in Spring Hill. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Spring Hill?
Current Spring Hill inventory breaks down as FHA (79, median 6.01%) and VA (35, median 4.59%). 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 Spring Hill?
The lowest rate on an active Spring Hill assumable listing is 2.65%, and the median across all 114 listings is 5.46%. 47 listings are under 4% and 54 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 Spring Hill?
Across current Spring Hill listings, the median principal-and-interest payment on the assumable loan is $1,319 per month versus $1,825 for the same balance at today's rates, a difference of about $506 every month, or $6,074 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 Spring Hill?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Spring Hill that gap is currently a median of $100,004 on a median list price of $324,900. 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 Spring Hill ZIP codes have the most assumable homes?
The Spring Hill ZIP codes with the most active assumable listings are 34609 (44), 34608 (31), 34606 (21), 34610 (17), and 34607 (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 Spring Hill?
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 Spring Hill.The rate is already on the house.
Every listing on the Spring Hill map has a rate you can take over. Start with the ones in Spring Hill, get pre-qualified in minutes, and let UMe carry the assumption to closing.
