FHATop pick
Active
16$299,500$30,097 down
- Rate
- 3.00%
6.95%today- Payment
- $1,283/mo
$2,015today
- 2beds
- 1baths
- 920sqft
Tampa, Florida
Assumable homes for salein Tampa, Florida.
282 homes in Tampa carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Tampa assumable market
by the numbers.
282active assumable listings
2.18%lowest locked rate
$412kmedian list price
$524saved per month vs. 7.2%
About the market
Assumable mortgagesin Tampa, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Tampa. Updated September 2026.
How assumptions work for buyersTampa, Florida has 282 homes for sale with an assumable mortgage as of September 2026: 171 FHA loans and 111 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 Tampa assumable listings start at 2.18% with a median of 4.50%; 110 listings are under 4% and 146 are under 5%.
The median assumable home in Tampa lists for $412,450, with a median of $169,657 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 $1,292 a month versus $1,815 for the same balance at today's rate, roughly $524 kept every month and $6,284 a year. The most active Tampa ZIP codes are 33647 (43), 33619 (28), 33610 (22), 33612 (22), and 33615 (22).
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 Tampa assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tampa
View all 282 on the map Homes on the marketin Tampa.
VA
Active
60$129,000$22,774 down
- Rate
- 2.78%
6.95%today- Payment
- $491/mo
$792today
- 1beds
- 1baths
- 593sqft
4115 CHATHAM OAK Court #215, Tampa
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
FHA
Active
58$282,000$38,454 down
- Rate
- 2.90%
6.95%today- Payment
- $1,135/mo
$1,804today
- 4beds
- 4baths
- 2,023sqft
2426 MIDDLETON GROVE Drive, Brandon
VA
Active
49$585,000$104,005 down
- Rate
- 2.98%
6.95%today- Payment
- $2,271/mo
$3,575today
- 4beds
- 3baths
- 2,512sqft
6812 KISSIMMEE Street, Tampa
VA
Active
15$359,999$42,031 down
- Rate
- 3.06%
6.95%today- Payment
- $1,521/mo
$2,370today
- 3beds
- 2baths
- 1,048sqft
10015 LINDA Street, Gibsonton
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 Tampa.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 282
- UMe Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 4.50%
- Median list price
- $412,450
- Median cash to assume
- $169,657
Tampa listings by locked rate
- Under 4%110 homes
- 4% – 5%36 homes
- 5% – 6%25 homes
- 6% and up108 homes
Tampa listings by loan type
- FHA171 homesmedian 5.47%
- VA111 homesmedian 3.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tampa ZIP code.
Each ZIP opens the Tampa map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 33647
43 assumable homes
median 3.92% · $495,000
- 33619
28 assumable homes
median 4.20% · $344,500
- 33610
22 assumable homes
median 5.99% · $297,000
- 33612
22 assumable homes
median 5.74% · $361,000
- 33615
22 assumable homes
median 4.17% · $465,950
- 33604
19 assumable homes
median 6.19% · $430,000
- 33624
16 assumable homes
median 5.40% · $511,000
- 33616
15 assumable homes
median 6.46% · $429,999
Run the Tampa numbers
What an assumable ratedoes to a Tampa payment.
The sliders start at the median Tampa assumable listing: $412,450 list price and a 4.50% 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)$165,000
40% 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 Tampa
$1,334/mo
New loan at 7.20%$1,663
Assumed at 4.50%
$1,334
Every month$329
Over five years$19,769
Interest you never pay$182,62526-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 Tampa listing on UMe shows the actual balance, rate, and payment.
How it works in Tampa
How to assumea mortgage in Tampa.
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 Tampa home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tampa 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 $169,657 in Tampa 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 Tampa payment written in a different decade.
Tampa questions
Assuming a mortgagein Tampa.
The numbers below come from current Tampa inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tampa?
As of September 2026, UMe tracks 282 active assumable listings in Tampa. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tampa?
Current Tampa inventory breaks down as FHA (171, median 5.47%) and VA (111, median 3.92%). 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 Tampa?
The lowest rate on an active Tampa assumable listing is 2.18%, and the median across all 282 listings is 4.50%. 110 listings are under 4% and 146 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 Tampa?
Across current Tampa listings, the median principal-and-interest payment on the assumable loan is $1,292 per month versus $1,815 for the same balance at today's rates, a difference of about $524 every month, or $6,284 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 Tampa?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tampa that gap is currently a median of $169,657 on a median list price of $412,450. 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 Tampa ZIP codes have the most assumable homes?
The Tampa ZIP codes with the most active assumable listings are 33647 (43), 33619 (28), 33610 (22), 33612 (22), and 33615 (22). 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 Tampa?
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 Tampa.The rate is already on the house.
Every listing on the Tampa map has a rate you can take over. Start with the ones in Tampa, get pre-qualified in minutes, and let UMe carry the assumption to closing.
