VATop pick
Active
26$175,000$14,720 equity gap
- Rate
- 3.10%
7.32%today- Payment
- $760/mo
$1,223today
- 2beds
- 2baths
- 1,095sqft
Clearwater Beach, Florida
Assumable homes for salein Clearwater Beach, Florida.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Clearwater Beach.
Live MLS data · Updated
Clearwater Beach assumable market
by the numbers.
6active assumable listings
2.92%average locked rate
$293ktypical list price
$613saved per month vs. 7.2%
About the market
Assumable mortgagesin Clearwater Beach, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Clearwater Beach. Updated October 2026.
How assumptions work for buyersAs of October 2026, UMe has no verified assumable listings in Clearwater Beach. That changes quickly: assumable homes come on the market every week across Florida as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Clearwater Beach search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Clearwater Beach
Homes on the marketin Clearwater Beach.
VA
Active
38$167,900$22,259 equity gap
- Rate
- 3.03%
7.32%today- Payment
- $711/mo
$1,153today
- 2beds
- 2baths
- 1,078sqft
403 BLUE MARLIN Drive, Oldsmar
FHA
Active
18$185,000$23,203 equity gap
- Rate
- 3.10%
7.32%today- Payment
- $767/mo
$1,234today
- 2beds
- 2baths
- 1,190sqft
6311 93RD Terrace #4403, Pinellas Park
VA
Active
52$102,000$30,322 equity gap
- Rate
- 2.66%
7.32%today- Payment
- $333/mo
$567today
- 1beds
- 1baths
- 840sqft
5980 TERRACE PARK Drive #108, St Petersburg
VA
Active
22$670,000$143,153 equity gap
- Rate
- 2.78%
7.32%today- Payment
- $2,439/mo
$4,087today
- 4beds
- 3baths
- 2,499sqft
4883 BREEZE Circle, Palm Harbor
VA
Active
24$459,999$129,365 equity gap
- Rate
- 2.86%
7.32%today- Payment
- $1,540/mo
$2,555today
- 3beds
- 2baths
- 1,701sqft
7719 91ST Street, Seminole
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.
Run the Clearwater Beach numbers
What an assumable ratedoes to a Clearwater Beach payment.
The sliders start at the median Clearwater Beach assumable listing: $293,317 list price and a 2.92% 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)$60,000
20% 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 Clearwater Beach
$1,073/mo
New loan at 7.20%$1,595
Assumed at 2.90%
$1,073
Every month$522
Over five years$31,306
Interest you never pay$239,36026-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 Clearwater Beach listing on UMe shows the actual balance, rate, and payment.
How it works in Clearwater Beach
How to assumea mortgage in Clearwater Beach.
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 Clearwater Beach home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Clearwater Beach 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. 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 Clearwater Beach payment written in a different decade.
Clearwater Beach questions
Assuming a mortgagein Clearwater Beach.
The numbers below come from current Clearwater Beach inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Clearwater Beach?
As of October 2026, there are no verified assumable listings in Clearwater Beach. New assumable homes appear every week across Florida; save a search on the map and we will email you when one lands in Clearwater Beach.
What types of loans can be assumed in Clearwater Beach?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Florida. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Clearwater Beach?
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.
- Orlando393
- Kissimmee342
- Tampa322
- Ocala259
- Davenport215
- St. Cloud185
- Riverview183
- Lakeland160
- Spring Hill141
- St. Petersburg138
- Winter Haven128
- Bradenton119
- Gainesville115
- Haines City110
- Port Charlotte108
- New Port Richey100
- Wesley Chapel100
- Deltona92
- Clermont83
- Deland82
- Land O'Lakes81
- Palm Coast77
- North Port74
- Zephyrhills74
Ready when you are
Stop overpaying for Clearwater Beach.The rate is already on the house.
Every listing on the Clearwater Beach map has a rate you can take over. Start with the ones in Clearwater Beach, get pre-qualified in minutes, and let UMe carry the assumption to closing.