2.98% VA
$324,900
$1,585/mo
11840 SKY ACRES Terrace
Bradenton, FL
3 bd3 ba1,747 sqft
Ellenton, Florida
Keep the rate.
Buy the home in Ellenton.
1 assumable home for sale in Ellenton, with locked rates from 6.96%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.96%
vs 7.2% market
$178/mo saved
Median locked rate
6.96%
Across 1 assumable listing
Typical monthly savings
$178
On a $458,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in Ellenton
Homes with a rate worth keeping
3.14% FHA
$325,000
$1,475/mo
2210 PURPLE ORCHID Place
Ruskin, FL
4 bd3 ba2,577 sqft
3.45% VA
$395,000
$2,039/mo
4213 PINE MEADOW Drive
Parrish, FL
3 bd2 ba2,147 sqft
2.87% VA
$360,000
$1,449/mo
5003 72ND Street
Bradenton, FL
3 bd2 ba1,426 sqft
2.80% VA
$625,000
$2,303/mo
8815 BROOKFIELD Terrace
Bradenton, FL
4 bd3 ba2,852 sqft
2.87% FHA
$389,000
$1,334/mo
3516 WOODMONT Drive
Parrish, FL
3 bd3 ba2,154 sqft
Inventory snapshot
What’s assumable in Ellenton right now
Live counts from the MLS feeds we index for Florida. Updated June 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.96%
- Median rate
- 6.96%
- Median list price
- $458,000
- Median cash to assume
- $2,548
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- VA1 homemedian 6.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Ellenton ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven74
- Spring Hill67
- Haines City61
- Deltona52
- Wesley Chapel50
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
Run your numbers
The cost of waiting in Ellenton.
A 7.2% new loan against an assumable one at 6.96%, same balance, 30 years.
You keep every month
$60/mo
Over a year$714
Monthly payment, side by side
7.2% vs 6.96%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Ellenton
Numbers below come from current Ellenton inventory and update as listings change.
- How many assumable homes are for sale in Ellenton?
- As of June 2026, UMe tracks 1 active assumable listing in Ellenton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Ellenton?
- Current Ellenton inventory breaks down as VA (1, median 6.96%). 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 Ellenton right now?
- The lowest rate on an active Ellenton assumable listing is 6.96%, and the median across all 1 listing is 6.96%. 0 listings are under 4% and 0 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 Ellenton?
- Across current Ellenton listings, the median principal-and-interest payment on the assumable loan is $3,114 per month versus $3,293 for the same balance at today's rates, a difference of about $178 every month, or $2,141 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 Ellenton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ellenton that gap is currently a median of $2,548 on a median list price of $458,000. 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 Ellenton ZIP codes have the most assumable homes?
- The Ellenton ZIP codes with the most active assumable listings are 34222 (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 Ellenton?
- 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.
Ready when you are
Stop overpaying for Ellenton.
Every listing on the map has a rate you can take over. Start with the ones in Florida, or list your own low-rate loan and let buyers come to you.
