VA
Active
74$750,000$124,697 down
- Rate
- 2.88%
6.95%today- Payment
- $2,907/mo
$4,634today
- 3beds
- 2baths
- 2,267sqft
Venice, Florida
Assumable homes for salein Venice, Florida.
21 homes in Venice carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.79%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Venice assumable market
by the numbers.
21active assumable listings
2.79%lowest locked rate
$500kmedian list price
$680saved per month vs. 7.2%
About the market
Assumable mortgagesin Venice, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Venice. Updated September 2026.
How assumptions work for buyersVenice, Florida has 21 homes for sale with an assumable mortgage as of September 2026: 12 FHA loans and 9 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 Venice assumable listings start at 2.79% with a median of 5.00%; 8 listings are under 4% and 10 are under 5%.
The median assumable home in Venice lists for $500,000, with a median of $174,287 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 $1,486 a month versus $2,167 for the same balance at today's rate, roughly $680 kept every month and $8,165 a year. The most active Venice ZIP codes are 34293 (17), 34285 (2), and 34292 (2).
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 Venice assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Venice
View all 21 on the map Homes on the marketin Venice.
VA
Active
47$725,000$125,003 down
- Rate
- 3.10%
6.95%today- Payment
- $2,839/mo
$4,401today
- 4beds
- 3baths
- 2,329sqft
6145 ANISE Drive, Sarasota
VA
Active
66$719,900$137,100 down
- Rate
- 3.55%
6.95%today- Payment
- $2,892/mo
$4,236today
- 4beds
- 2baths
- 2,251sqft
13834 VANCANZA Drive, Venice
VA
Active
36$379,000$135,474 down
- Rate
- 2.68%
6.95%today- Payment
- $1,131/mo
$1,850today
- 2beds
- 2baths
- 1,540sqft
2600 PALMETTO Street, Nokomis
VA
Active
43$469,000$173,723 down
- Rate
- 2.86%
6.95%today- Payment
- $1,408/mo
$2,251today
- 2beds
- 2baths
- 2,376sqft
1123 MISTI Court, Venice
FHA
Active
68$415,000$136,601 down
- Rate
- 2.97%
6.95%today- Payment
- $1,328/mo
$2,093today
- 3beds
- 2baths
- 1,160sqft
3138 WILLIAMSBURG Street, Sarasota
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 Venice.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 21
- UMe Certified / verified
- 0
- Lowest rate
- 2.79%
- Median rate
- 5.00%
- Median list price
- $500,000
- Median cash to assume
- $174,287
Venice listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up10 homes
Venice listings by loan type
- FHA12 homesmedian 6.41%
- VA9 homesmedian 3.62%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Venice ZIP code.
Each ZIP opens the Venice map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Venice numbers
What an assumable ratedoes to a Venice payment.
The sliders start at the median Venice assumable listing: $500,000 list price and a 5.00% 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)$175,000
35% 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 Venice
$1,863/mo
New loan at 7.20%$2,206
Assumed at 5.00%
$1,863
Every month$343
Over five years$20,562
Interest you never pay$212,81226-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 Venice listing on UMe shows the actual balance, rate, and payment.
How it works in Venice
How to assumea mortgage in Venice.
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 Venice home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Venice 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 $174,287 in Venice 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 Venice payment written in a different decade.
Venice questions
Assuming a mortgagein Venice.
The numbers below come from current Venice inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Venice?
As of September 2026, UMe tracks 21 active assumable listings in Venice. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Venice?
Current Venice inventory breaks down as FHA (12, median 6.41%) and VA (9, median 3.62%). 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 Venice?
The lowest rate on an active Venice assumable listing is 2.79%, and the median across all 21 listings is 5.00%. 8 listings are under 4% and 10 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 Venice?
Across current Venice listings, the median principal-and-interest payment on the assumable loan is $1,486 per month versus $2,167 for the same balance at today's rates, a difference of about $680 every month, or $8,165 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 Venice?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Venice that gap is currently a median of $174,287 on a median list price of $500,000. 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 Venice ZIP codes have the most assumable homes?
The Venice ZIP codes with the most active assumable listings are 34293 (17), 34285 (2), and 34292 (2). 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 Venice?
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 Venice.The rate is already on the house.
Every listing on the Venice map has a rate you can take over. Start with the ones in Venice, get pre-qualified in minutes, and let UMe carry the assumption to closing.
