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Holiday, Florida

Assumable homes for salein Holiday, Florida.

43 homes in Holiday 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%.

Browse 43 Holiday listings Get pre-qualified

Live MLS data · Updated

Holiday assumable market
by the numbers.

43active assumable listings
2.73%lowest locked rate
$266kmedian list price
$228saved per month vs. 7.2%
About the market

Assumable mortgagesin Holiday, explained.

Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Holiday. Updated October 2026.

How assumptions work for buyers

Holiday, Florida has 43 homes for sale with an assumable mortgage as of October 2026: 28 FHA loans and 15 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 Holiday assumable listings start at 2.73% with a median of 5.22%; 15 listings are under 4% and 20 are under 5%.

The median assumable home in Holiday lists for $265,999, with a median of $80,901 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 $1,437 a month versus $1,665 for the same balance at today's rate, roughly $228 kept every month and $2,733 a year. The most active Holiday ZIP codes are 34691 (31) and 34690 (12).

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 Holiday assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.

Verified in Holiday

Homes on the marketin Holiday.

View all 43 on the map
645 TIMBER BAY Circle, Oldsmar, FL, 34677 — assumable VA mortgage at 2.875%
VATop pick
Active
29
$260,000Potential short sale
Rate
2.875%
7.32%today
Payment
$1,286/mo
$2,129today
  • 3beds
  • 2baths
  • 1,274sqft

645 TIMBER BAY Circle, Oldsmar

2593 COUNTRYSIDE Boulevard #7307, Clearwater, FL, 33761 — assumable VA mortgage at 3.10%
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

2593 COUNTRYSIDE Boulevard #7307, Clearwater

7300 BELLOWS FALLS Lane, Hudson, FL, 34667 — assumable FHA mortgage at 3.11%
FHATop pick
Active
48
$234,900$19,135 equity gap
Rate
3.11%
7.32%today
Payment
$1,024/mo
$1,646today
  • 3beds
  • 3baths
  • 1,732sqft

7300 BELLOWS FALLS Lane, Hudson

6518 SAND SHORE Lane, New Port Richey, FL, 34652 — assumable VA mortgage at 2.83%
VA
Active
85
$320,000$65,041 equity gap
Rate
2.83%
7.32%today
Payment
$1,195/mo
$1,990today
  • 3beds
  • 3baths
  • 1,972sqft

6518 SAND SHORE Lane, New Port Richey

11022 SALT TREE Drive, Port Richey, FL, 34668 — assumable FHA mortgage at 2.87%
FHA
Active
21
$295,000$45,672 equity gap
Rate
2.87%
7.32%today
Payment
$1,160/mo
$1,922today
  • 3beds
  • 2baths
  • 1,684sqft

11022 SALT TREE Drive, Port Richey

13721 SEA BRIDGE Drive, Hudson, FL, 34669 — assumable VA mortgage at 2.88%
VA
Active
36
$369,999$60,818 equity gap
Rate
2.88%
7.32%today
Payment
$1,440/mo
$2,383today
  • 5beds
  • 3baths
  • 2,389sqft

13721 SEA BRIDGE Drive, Hudson

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 Holiday.

Live counts from the MLS feeds we index for Florida. Updated October 2026.

Active listings
43
UMe Certified / verified
0
Lowest rate
2.73%
Median rate
5.22%
Median list price
$265,999
Median cash to assume
$80,901

Holiday listings by locked rate

  1. Under 4%15 homes
  2. 4% – 5%5 homes
  3. 5% – 6%3 homes
  4. 6% and up20 homes

Holiday listings by loan type

  • FHA28 homesmedian 6.29%
  • VA15 homesmedian 4.10%

FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.

By neighborhood

Assumable homesby Holiday ZIP code.

Each ZIP opens the Holiday map zoomed to its listings, in assumptions mode, with rate and payment filters ready.

Run the Holiday numbers

What an assumable ratedoes to a Holiday payment.

The sliders start at the median Holiday assumable listing: $265,999 list price and a 5.22% 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.

$265,000
$185,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

5.20%
26 yrs
Cash to assume (seller’s equity)$80,000

30% 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 Holiday
$1,083/mo
New loan at 7.20%
$1,256
Assumed at 5.20%
$1,083
Every month$173
Over five years$10,391
Interest you never pay$114,31126-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 Holiday listing on UMe shows the actual balance, rate, and payment.

Browse Holiday listings See what you qualify for
How it works in Holiday

How to assumea mortgage in Holiday.

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
  1. 01

    Find a Holiday home with a locked rate.

    Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Holiday map by existing rate, monthly payment, or cash to assume instead of by list price alone.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance, a median of $80,901 in Holiday today. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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 Holiday payment written in a different decade.

Holiday questions

Assuming a mortgagein Holiday.

The numbers below come from current Holiday inventory and update as listings change.

All assumption FAQs

How many assumable homes are for sale in Holiday?

As of October 2026, UMe tracks 43 active assumable listings in Holiday. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.

What types of assumable loans are available in Holiday?

Current Holiday inventory breaks down as FHA (28, median 6.29%) and VA (15, median 4.10%). 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 Holiday?

The lowest rate on an active Holiday assumable listing is 2.73%, and the median across all 43 listings is 5.22%. 15 listings are under 4% and 20 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 Holiday?

Across current Holiday listings, the median principal-and-interest payment on the assumable loan is $1,437 per month versus $1,665 for the same balance at today's rates, a difference of about $228 every month, or $2,733 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 Holiday?

When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Holiday that gap is currently a median of $80,901 on a median list price of $265,999. 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 Holiday ZIP codes have the most assumable homes?

The Holiday ZIP codes with the most active assumable listings are 34691 (31) and 34690 (12). 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 Holiday?

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

More assumable homesin Florida.

All of Florida
Ready when you are

Stop overpaying for Holiday.The rate is already on the house.

Every listing on the Holiday map has a rate you can take over. Start with the ones in Holiday, get pre-qualified in minutes, and let UMe carry the assumption to closing.

Browse Holiday homes Talk to an assumption expert Selling a low rate? List it