2.98% VA
$324,900
$1,585/mo
11840 SKY ACRES Terrace
Bradenton, FL
3 bd3 ba1,747 sqft
Sarasota, Florida
Keep the rate.
Buy the home in Sarasota.
26 assumable homes for sale in Sarasota, with locked rates from 2.20%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.92%
vs 7.2% market
$164/mo saved
Median locked rate
5.92%
Across 26 assumable listings
Typical monthly savings
$164
On a $460,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Sarasota
Homes with a rate worth keeping
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
3.00% VA
$829,000
$2,867/mo
1211 LOST CREEK Court
Osprey, FL
4 bd3 ba2,876 sqft
2.20% FHA
$575,000
$977/mo
3182 HATTON Street
Sarasota, FL
3 bd2 ba1,530 sqft
2.31% FHA
$395,000
$1,302/mo
5644 ANTOINETTE Street
Sarasota, FL
4 bd2 ba1,900 sqft
Inventory snapshot
What’s assumable in Sarasota right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 26
- Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 5.92%
- Median list price
- $460,000
- Median cash to assume
- $150,500
Listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up13 homes
Listings by loan type
- FHA15 homesmedian 4.87%
- VA11 homesmedian 6.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sarasota ZIP code
- 34232
5 assumable homes · median 5.22%
median $395,000
- 34231
3 assumable homes · median 6.27%
median $374,500
- 34233
3 assumable homes · median 3.69%
median $359,000
- 34238
3 assumable homes · median 5.85%
median $599,500
- 34240
3 assumable homes · median 6.00%
median $514,900
- 34235
2 assumable homes · median 4.78%
median $364,000
- 34236
2 assumable homes · median 7.03%
median $5,087,000
- 34237
2 assumable homes · median 4.36%
median $787,000
Nearby markets
More assumable homes in Florida
- Orlando203
- Kissimmee194
- Tampa171
- Ocala143
- Davenport105
- Riverview93
- St. Petersburg82
- St. Cloud80
- 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 Sarasota.
A 7.2% new loan against an assumable one at 5.92%, same balance, 30 years.
You keep every month
$310/mo
Over a year$3,726
Monthly payment, side by side
7.2% vs 5.92%
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 Sarasota
Numbers below come from current Sarasota inventory and update as listings change.
- How many assumable homes are for sale in Sarasota?
- As of September 2026, UMe tracks 26 active assumable listings in Sarasota. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sarasota?
- Current Sarasota inventory breaks down as FHA (15, median 4.87%) and VA (11, median 6.30%). 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 Sarasota right now?
- The lowest rate on an active Sarasota assumable listing is 2.20%, and the median across all 26 listings is 5.92%. 8 listings are under 4% and 10 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 Sarasota?
- Across current Sarasota listings, the median principal-and-interest payment on the assumable loan is $1,909 per month versus $2,074 for the same balance at today's rates, a difference of about $164 every month, or $1,973 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 Sarasota?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sarasota that gap is currently a median of $150,500 on a median list price of $460,000. 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 Sarasota ZIP codes have the most assumable homes?
- The Sarasota ZIP codes with the most active assumable listings are 34232 (5), 34231 (3), 34233 (3), 34238 (3), and 34240 (3). 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 Sarasota?
- 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 Sarasota.
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.
