2.98% VA
$260,000
$1,205/mo
7012 DOREEN Street
Tampa, FL
3 bd2 ba1,612 sqft
Tampa, Florida
Keep the rate.
Buy the home in Tampa.
171 assumable homes for sale in Tampa, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.78%
vs 7.2% market
$438/mo saved
Median locked rate
5.78%
Across 171 assumable listings
Typical monthly savings
$438
On a $399,000 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 Tampa
Homes with a rate worth keeping
3.21% VA
$700,000
$3,399/mo
11748 ALBATROSS Lane
Riverview, FL
5 bd5 ba5,165 sqft
3.00% FHA
$299,500
$1,283/mo
3727 ALABAMA Avenue
St Petersburg, FL
2 bd1 ba920 sqft
2.90% FHA
$282,000
$1,135/mo
2426 MIDDLETON GROVE Drive
Brandon, FL
4 bd4 ba2,023 sqft
3.06% VA
$359,999
$1,521/mo
10015 LINDA Street
Gibsonton, FL
3 bd2 ba1,048 sqft
3.07% FHA
$284,900
$1,199/mo
4459 GLOBE THISTLE Drive
Tampa, FL
3 bd3 ba1,663 sqft
Inventory snapshot
What’s assumable in Tampa right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 171
- Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 5.78%
- Median list price
- $399,000
- Median cash to assume
- $160,574
Listings by locked rate
- Under 4%56 homes
- 4% – 5%15 homes
- 5% – 6%16 homes
- 6% and up79 homes
Listings by loan type
- FHA105 homesmedian 6.27%
- VA66 homesmedian 3.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Tampa ZIP code
- 33619
22 assumable homes · median 6.08%
median $362,000
- 33647
17 assumable homes · median 3.85%
median $485,000
- 33612
16 assumable homes · median 5.79%
median $342,450
- 33604
14 assumable homes · median 5.80%
median $444,900
- 33610
12 assumable homes · median 6.38%
median $348,500
- 33614
12 assumable homes · median 6.27%
median $487,450
- 33615
10 assumable homes · median 4.15%
median $387,500
- 33617
9 assumable homes · median 6.32%
median $295,000
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- 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
- Alachua
Run your numbers
The cost of waiting in Tampa.
A 7.2% new loan against an assumable one at 5.78%, same balance, 30 years.
You keep every month
$299/mo
Over a year$3,583
Monthly payment, side by side
7.2% vs 5.78%
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 Tampa
Numbers below come from current Tampa inventory and update as listings change.
- How many assumable homes are for sale in Tampa?
- As of September 2026, UMe tracks 171 active assumable listings in Tampa. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Tampa?
- Current Tampa inventory breaks down as FHA (105, median 6.27%) and VA (66, median 3.99%). 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 Tampa right now?
- The lowest rate on an active Tampa assumable listing is 2.18%, and the median across all 171 listings is 5.78%. 56 listings are under 4% and 71 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 Tampa?
- Across current Tampa listings, the median principal-and-interest payment on the assumable loan is $1,581 per month versus $2,019 for the same balance at today's rates, a difference of about $438 every month, or $5,255 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 Tampa?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tampa that gap is currently a median of $160,574 on a median list price of $399,000. 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 Tampa ZIP codes have the most assumable homes?
- The Tampa ZIP codes with the most active assumable listings are 33619 (22), 33647 (17), 33612 (16), 33604 (14), and 33610 (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 Tampa?
- 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 Tampa.
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.
