FHA
Active
23$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
Zephyrhills, Florida
Assumable homes for salein Zephyrhills, Florida.
67 homes in Zephyrhills carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Zephyrhills assumable market
by the numbers.
67active assumable listings
2.73%lowest locked rate
$310kmedian list price
$251saved per month vs. 7.2%
About the market
Assumable mortgagesin Zephyrhills, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Zephyrhills. Updated September 2026.
How assumptions work for buyersZephyrhills, Florida has 67 homes for sale with an assumable mortgage as of September 2026: 45 FHA loans and 22 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 Zephyrhills assumable listings start at 2.73% with a median of 6.42%; 15 listings are under 4% and 19 are under 5%.
The median assumable home in Zephyrhills lists for $310,000, with a median of $43,783 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 $1,732 a month versus $1,983 for the same balance at today's rate, roughly $251 kept every month and $3,015 a year. The most active Zephyrhills ZIP codes are 33541 (37), 33542 (16), 33540 (13), and 33545 (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 Zephyrhills assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Zephyrhills
View all 67 on the map Homes on the marketin Zephyrhills.
FHA
Active
19$339,000$67,071 down
- Rate
- 3.05%
6.95%today- Payment
- $1,285/mo
$2,005today
- 3beds
- 3baths
- 1,865sqft
29913 SOUTHWELL Lane, Wesley Chapel
VA
Active
29$290,000$38,822 down
- Rate
- 3.14%
6.95%today- Payment
- $1,196/mo
$1,845today
- 3beds
- 2baths
- 1,513sqft
35265 GENDRY Street, Zephyrhills
FHA
Active
49$337,000$37,321 down
- Rate
- 3.45%
6.95%today- Payment
- $1,468/mo
$2,177today
- 4beds
- 2baths
- 1,846sqft
7774 SAIL CLOVER Lane, Zephyrhills
VA
Active
40$295,000$75,033 down
- Rate
- 2.73%
6.95%today- Payment
- $1,022/mo
$1,661today
- 4beds
- 2baths
- 1,846sqft
7804 DAVIE RAY Drive, Zephyrhills
VA
Active
25$420,000$93,145 down
- Rate
- 2.87%
6.95%today- Payment
- $1,521/mo
$2,428today
- 5beds
- 4baths
- 2,471sqft
1561 TALLULAH Terrace, Wesley Chapel
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 Zephyrhills.
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 67
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 6.42%
- Median list price
- $310,000
- Median cash to assume
- $43,783
Zephyrhills listings by locked rate
- Under 4%15 homes
- 4% – 5%4 homes
- 5% – 6%6 homes
- 6% and up40 homes
Zephyrhills listings by loan type
- FHA45 homesmedian 6.49%
- VA22 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Zephyrhills ZIP code.
Each ZIP opens the Zephyrhills map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Zephyrhills numbers
What an assumable ratedoes to a Zephyrhills payment.
The sliders start at the median Zephyrhills assumable listing: $310,000 list price and a 6.42% 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)$45,000
15% 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 Zephyrhills
$1,745/mo
New loan at 7.20%$1,799
Assumed at 6.40%
$1,745
Every month$53
Over five years$3,208
Interest you never pay$103,02226-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 Zephyrhills listing on UMe shows the actual balance, rate, and payment.
How it works in Zephyrhills
How to assumea mortgage in Zephyrhills.
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 Zephyrhills home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Zephyrhills 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 $43,783 in Zephyrhills 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 Zephyrhills payment written in a different decade.
Zephyrhills questions
Assuming a mortgagein Zephyrhills.
The numbers below come from current Zephyrhills inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Zephyrhills?
As of September 2026, UMe tracks 67 active assumable listings in Zephyrhills. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Zephyrhills?
Current Zephyrhills inventory breaks down as FHA (45, median 6.49%) and VA (22, median 6.26%). 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 Zephyrhills?
The lowest rate on an active Zephyrhills assumable listing is 2.73%, and the median across all 67 listings is 6.42%. 15 listings are under 4% and 19 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 Zephyrhills?
Across current Zephyrhills listings, the median principal-and-interest payment on the assumable loan is $1,732 per month versus $1,983 for the same balance at today's rates, a difference of about $251 every month, or $3,015 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 Zephyrhills?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Zephyrhills that gap is currently a median of $43,783 on a median list price of $310,000. 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 Zephyrhills ZIP codes have the most assumable homes?
The Zephyrhills ZIP codes with the most active assumable listings are 33541 (37), 33542 (16), 33540 (13), and 33545 (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 Zephyrhills?
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 Zephyrhills.The rate is already on the house.
Every listing on the Zephyrhills map has a rate you can take over. Start with the ones in Zephyrhills, get pre-qualified in minutes, and let UMe carry the assumption to closing.
