FHATop pick
Active
16$325,000$16,013 down
- Rate
- 3.14%
6.95%today- Payment
- $1,475/mo
$2,275today
- 4beds
- 3baths
- 2,577sqft
Sun City Center, Florida
Assumable homes for salein Sun City Center, Florida.
31 homes in Sun City Center carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sun City Center assumable market
by the numbers.
31active assumable listings
2.67%lowest locked rate
$320kmedian list price
$601saved per month vs. 7.2%
About the market
Assumable mortgagesin Sun City Center, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Sun City Center. Updated September 2026.
How assumptions work for buyersSun City Center, Florida has 31 homes for sale with an assumable mortgage as of September 2026: 17 FHA loans and 14 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 Sun City Center assumable listings start at 2.67% with a median of 5.12%; 12 listings are under 4% and 14 are under 5%.
The median assumable home in Sun City Center lists for $319,900, with a median of $121,705 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 $1,204 a month versus $1,805 for the same balance at today's rate, roughly $601 kept every month and $7,207 a year. The most active Sun City Center ZIP codes are 33573 (31).
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 Sun City Center assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sun City Center
View all 31 on the map Homes on the marketin Sun City Center.
VATop pick
Active
25$409,000$40,518 down
- Rate
- 2.87%
6.95%today- Payment
- $1,715/mo
$2,738today
- 4beds
- 4baths
- 2,820sqft
528 OCEAN SPRAY Drive, Ruskin
FHATop pick
Active
20$330,999$26,681 down
- Rate
- 3.09%
6.95%today- Payment
- $1,445/mo
$2,242today
- 5beds
- 3baths
- 2,415sqft
566 SUNLIT CORAL Street, Ruskin
VA
Active
30$271,000$49,520 down
- Rate
- 2.67%
6.95%today- Payment
- $1,027/mo
$1,683today
- 2beds
- 2baths
- 1,852sqft
1818 DANBURY Drive, Sun City Center
FHA
Active
51$399,000$76,584 down
- Rate
- 2.87%
6.95%today- Payment
- $1,500/mo
$2,395today
- 3beds
- 3baths
- 2,679sqft
12349 BLUE PACIFIC Drive, Riverview
VA
Active
34$339,000$66,881 down
- Rate
- 2.88%
6.95%today- Payment
- $1,265/mo
$2,017today
- 4beds
- 2baths
- 1,935sqft
16610 DELIA Street, Wimauma
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 Sun City Center.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 31
- UMe Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 5.12%
- Median list price
- $319,900
- Median cash to assume
- $121,705
Sun City Center listings by locked rate
- Under 4%12 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up13 homes
Sun City Center listings by loan type
- FHA17 homesmedian 5.10%
- VA14 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sun City Center ZIP code.
Each ZIP opens the Sun City Center map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sun City Center numbers
What an assumable ratedoes to a Sun City Center payment.
The sliders start at the median Sun City Center assumable listing: $319,900 list price and a 5.12% 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)$120,000
38% 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 Sun City Center
$1,158/mo
New loan at 7.20%$1,358
Assumed at 5.10%
$1,158
Every month$199
Over five years$11,945
Interest you never pay$127,28026-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 Sun City Center listing on UMe shows the actual balance, rate, and payment.
How it works in Sun City Center
How to assumea mortgage in Sun City Center.
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 Sun City Center home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sun City Center 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 $121,705 in Sun City Center 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 Sun City Center payment written in a different decade.
Sun City Center questions
Assuming a mortgagein Sun City Center.
The numbers below come from current Sun City Center inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sun City Center?
As of September 2026, UMe tracks 31 active assumable listings in Sun City Center. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sun City Center?
Current Sun City Center inventory breaks down as FHA (17, median 5.10%) and VA (14, median 5.23%). 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 Sun City Center?
The lowest rate on an active Sun City Center assumable listing is 2.67%, and the median across all 31 listings is 5.12%. 12 listings are under 4% and 14 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 Sun City Center?
Across current Sun City Center listings, the median principal-and-interest payment on the assumable loan is $1,204 per month versus $1,805 for the same balance at today's rates, a difference of about $601 every month, or $7,207 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 Sun City Center?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sun City Center that gap is currently a median of $121,705 on a median list price of $319,900. 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 Sun City Center ZIP codes have the most assumable homes?
The Sun City Center ZIP codes with the most active assumable listings are 33573 (31). 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 Sun City Center?
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 Sun City Center.The rate is already on the house.
Every listing on the Sun City Center map has a rate you can take over. Start with the ones in Sun City Center, get pre-qualified in minutes, and let UMe carry the assumption to closing.
