2.86% VA
$325,000
$1,263/mo
8897 54TH Street
Pinellas Park, FL
3 bd2 ba1,242 sqft
Redington Shores, Florida
Keep the rate.
Buy the home in Redington Shores.
1 assumable home for sale in Redington Shores, with locked rates from 6.81%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.81%
vs 7.2% market
$108/mo saved
Median locked rate
6.81%
Across 1 assumable listing
Typical monthly savings
$108
On a $552,000 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 Redington Shores
Homes with a rate worth keeping
2.87% FHA
$305,000
$1,140/mo
8320 43RD Way
Pinellas Park, FL
3 bd1 ba1,192 sqft
3.10% FHA
$185,000
$767/mo
6311 93RD Terrace
Pinellas Park, FL
2 bd2 ba1,190 sqft
2.77% FHA
$385,000
$1,239/mo
8300 75TH Avenue
Seminole, FL
3 bd2 ba1,416 sqft
2.88% VA
$260,000
$934/mo
1900 46TH ST S
St Petersburg, FL
2 bd1 ba946 sqft
2.98% VA
$350,000
$1,220/mo
3242 KINGSTON Street
St Petersburg, FL
2 bd2 ba914 sqft
Inventory snapshot
What’s assumable in Redington Shores right now
Live counts from the MLS feeds we index for Florida. Updated June 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 6.81%
- Median rate
- 6.81%
- Median list price
- $552,000
- Median cash to assume
- $334,158
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 6.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Redington Shores ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud81
- Lakeland76
- Gainesville75
- Winter Haven73
- 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 Redington Shores.
A 7.2% new loan against an assumable one at 6.81%, same balance, 30 years.
You keep every month
$115/mo
Over a year$1,383
Monthly payment, side by side
7.2% vs 6.81%
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 Redington Shores
Numbers below come from current Redington Shores inventory and update as listings change.
- How many assumable homes are for sale in Redington Shores?
- As of June 2026, UMe tracks 1 active assumable listing in Redington Shores. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Redington Shores?
- Current Redington Shores inventory breaks down as VA (1, median 6.81%). 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 Redington Shores right now?
- The lowest rate on an active Redington Shores assumable listing is 6.81%, and the median across all 1 listing is 6.81%. 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 Redington Shores?
- Across current Redington Shores listings, the median principal-and-interest payment on the assumable loan is $1,468 per month versus $1,576 for the same balance at today's rates, a difference of about $108 every month, or $1,296 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 Redington Shores?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Redington Shores that gap is currently a median of $334,158 on a median list price of $552,000. 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 Redington Shores ZIP codes have the most assumable homes?
- The Redington Shores ZIP codes with the most active assumable listings are 33708 (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 Redington Shores?
- 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 Redington Shores.
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.
