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Assumable homes for sale in Clearwater, FL

138 homesFHA & VA loansrates from 2.67% vs 7.32% today

Clearwater assumption guide
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

403 BLUE MARLIN Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 3.03%
VA
Active
38
$167,900$22,259 equity gap
Rate
3.03%
7.32%today
Payment
$711/mo
$1,153today
  • 2beds
  • 2baths
  • 1,078sqft

403 BLUE MARLIN Drive, Oldsmar

6311 93RD Terrace #4403, Pinellas Park, FL, 33782 — assumable FHA mortgage at 3.10%
FHA
Active
18
$185,000$23,203 equity gap
Rate
3.10%
7.32%today
Payment
$767/mo
$1,234today
  • 2beds
  • 2baths
  • 1,190sqft

6311 93RD Terrace #4403, Pinellas Park

2174 19TH Avenue, Largo, FL, 33774 — assumable VA mortgage at 2.90%
VA
Active
33
$359,900$98,817 equity gap
Rate
2.90%
7.32%today
Payment
$1,225/mo
$2,021today
  • 3beds
  • 2baths
  • 1,224sqft

2174 19TH Avenue, Largo

1706 BELLEAIR FOREST Drive #244, Belleair, FL, 33756 — assumable FHA mortgage at 2.94%
FHA
Active
32
$140,000$31,126 equity gap
Rate
2.94%
7.32%today
Payment
$518/mo
$850today
  • 1beds
  • 1baths
  • 945sqft

1706 BELLEAIR FOREST Drive #244, Belleair

2011 SEA FRONT Court, Clearwater, FL, 33763 — assumable FHA mortgage at 3.01%
FHA
Active
58
$255,000$52,840 equity gap
Rate
3.01%
7.32%today
Payment
$953/mo
$1,551today
  • 2beds
  • 3baths
  • 1,146sqft

2011 SEA FRONT Court, Clearwater

1690 PINEHURST Road, Dunedin, FL, 34698 — assumable VA mortgage at 3.04%
VA
Active
50
$549,000$114,201 equity gap
Rate
3.04%
7.32%today
Payment
$2,085/mo
$3,380today
  • 3beds
  • 2baths
  • 1,728sqft

1690 PINEHURST Road, Dunedin

201 LAGOON Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 3.10%
VA
Active
50
$899,000$264,207 equity gap
Rate
3.10%
7.32%today
Payment
$3,017/mo
$4,853today
  • 4beds
  • 3baths
  • 2,764sqft

201 LAGOON Drive, Palm Harbor

10598 106TH Avenue, Largo, FL, 33773 — assumable VA mortgage at 3.25%
VA
Active
18
$550,000$144,669 equity gap
Rate
3.25%
7.32%today
Payment
$1,984/mo
$3,131today
  • 4beds
  • 4baths
  • 1,860sqft

10598 106TH Avenue, Largo

8401 PORTULACA Avenue, Seminole, FL, 33777 — assumable VA mortgage at 2.78%
VA
Active
26
$380,000$128,092 equity gap
Rate
2.78%
7.32%today
Payment
$1,188/mo
$1,991today
  • 3beds
  • 2baths
  • 952sqft

8401 PORTULACA Avenue, Seminole

335 COUNTRY CLUB Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 2.80%
VA
Active
52
$399,500$133,089 equity gap
Rate
2.80%
7.32%today
Payment
$1,236/mo
$2,066today
  • 4beds
  • 2baths
  • 1,224sqft

335 COUNTRY CLUB Drive, Oldsmar

1512 LIME Street, Clearwater, FL, 33756 — assumable FHA mortgage at 4.00%
FHA
Active
35
$359,900$67,941 equity gap
Rate
4.00%
7.32%today
Payment
$1,523/mo
$2,192today
  • 2beds
  • 1baths
  • 1,336sqft

1512 LIME Street, Clearwater

1507 TALISKER Drive, Clearwater, FL, 33755 — assumable FHA mortgage at 3.01%
FHA
Active
37
$269,900$100,522 equity gap
Rate
3.01%
7.32%today
Payment
$829/mo
$1,348today
  • 3beds
  • 3baths
  • 1,416sqft

1507 TALISKER Drive, Clearwater

520 14TH Avenue, Largo, FL, 33770 — assumable FHA mortgage at 3.05%
FHA
Active
42
$320,000$100,110 equity gap
Rate
3.05%
7.32%today
Payment
$1,042/mo
$1,686today
  • 2beds
  • 2baths
  • 1,224sqft

520 14TH Avenue, Largo

1779 AVON Lane, Largo, FL, 33756 — assumable FHA mortgage at 3.56%
FHA
Active
54
$389,000$111,546 equity gap
Rate
3.56%
7.32%today
Payment
$1,381/mo
$2,097today
  • 3beds
  • 2baths
  • 1,339sqft

1779 AVON Lane, Largo

12620 115TH Street, Largo, FL, 33778 — assumable VA mortgage at 4.16%
VA
Active
51
$489,000$85,880 equity gap
Rate
4.16%
7.32%today
Payment
$2,132/mo
$3,009today
  • 3beds
  • 2baths
  • 1,343sqft

12620 115TH Street, Largo

1967 ARVIS Circle, Clearwater, FL, 33764 — assumable VA mortgage at 3.18%
VA
Active
36
$649,900$201,083 equity gap
Rate
3.18%
7.32%today
Payment
$2,190/mo
$3,487today
  • 4beds
  • 2baths
  • 2,178sqft

1967 ARVIS Circle, Clearwater

1491 HUNT Lane, Clearwater, FL, 33764 — assumable VA mortgage at 3.18%
VA
Active
34
$419,000$130,477 equity gap
Rate
3.18%
7.32%today
Payment
$1,408/mo
$2,242today
  • 3beds
  • 2baths
  • 1,354sqft

1491 HUNT Lane, Clearwater

365 36TH Street, Largo, FL, 33771 — assumable FHA mortgage at 2.67%
FHA
Active
40
$399,000$246,390 equity gap
Rate
2.67%
7.32%today
Payment
$708/mo
$1,203today
  • 3beds
  • 2baths
  • 1,208sqft

365 36TH Street, Largo

2069 KINGFISHER Drive, Palm Harbor, FL, 34683 — assumable FHA mortgage at 2.71%
FHA
Active
49
$495,000$299,525 equity gap
Rate
2.71%
7.32%today
Payment
$913/mo
$1,544today
  • 3beds
  • 2baths
  • 1,751sqft

2069 KINGFISHER Drive, Palm Harbor

521 BAYWOOD Drive, Dunedin, FL, 34698 — assumable VA mortgage at 2.74%
VA
Active
90
$4,499,000$4,022,321 equity gap
Rate
2.74%
7.32%today
Payment
$2,222/mo
$3,745today
  • 5beds
  • 5baths
  • 5,690sqft

521 BAYWOOD Drive, Dunedin

7360 ULMERTON Road #18D, Largo, FL, 33771 — assumable FHA mortgage at 2.81%
FHA
Active
26
$285,000$145,665 equity gap
Rate
2.81%
7.32%today
Payment
$655/mo
$1,093today
  • 3beds
  • 2baths
  • 1,375sqft

7360 ULMERTON Road #18D, Largo

998 DUMONT Drive, Dunedin, FL, 34698 — assumable FHA mortgage at 2.81%
FHA
Active
28
$489,000$233,487 equity gap
Rate
2.81%
7.32%today
Payment
$1,212/mo
$2,023today
  • 3beds
  • 2baths
  • 2,156sqft

998 DUMONT Drive, Dunedin

1726 SPLIT FORK Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 2.81%
VA
Active
68
$599,000$240,204 equity gap
Rate
2.81%
7.32%today
Payment
$1,686/mo
$2,815today
  • 4beds
  • 3baths
  • 2,230sqft

1726 SPLIT FORK Drive, Oldsmar

774 91ST Avenue, St Petersburg, FL, 33702 — assumable FHA mortgage at 2.87%
FHA
Active
27
$425,000$171,509 equity gap
Rate
2.87%
7.32%today
Payment
$1,182/mo
$1,959today
  • 3beds
  • 2baths
  • 1,395sqft

774 91ST Avenue, St Petersburg

169 FOXCROFT Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 2.88%
VA
Active
53
$639,999$430,768 equity gap
Rate
2.88%
7.32%today
Payment
$1,005/mo
$1,662today
  • 4beds
  • 2baths
  • 2,040sqft

169 FOXCROFT Drive, Palm Harbor

597 OZONA VILLAGE Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 2.91%
VA
Active
51
$725,000$400,682 equity gap
Rate
2.91%
7.32%today
Payment
$1,562/mo
$2,575today
  • 3beds
  • 4baths
  • 2,324sqft

597 OZONA VILLAGE Drive, Palm Harbor

480 GILMAN Place, St Petersburg, FL, 33716 — assumable VA mortgage at 2.96%
VA
Active
73
$799,000$363,970 equity gap
Rate
2.96%
7.32%today
Payment
$2,063/mo
$3,379today
  • 4beds
  • 5baths
  • 3,660sqft

480 GILMAN Place, St Petersburg

3517 SHERWOOD Drive, Largo, FL, 33771 — assumable FHA mortgage at 2.96%
FHA
Active
43
$480,000$233,379 equity gap
Rate
2.96%
7.32%today
Payment
$1,194/mo
$1,956today
  • 4beds
  • 2baths
  • 2,128sqft

3517 SHERWOOD Drive, Largo

210 VALENCIA Circle, St Petersburg, FL, 33716 — assumable VA mortgage at 2.98%
VA
Active
38
$525,000$269,495 equity gap
Rate
2.98%
7.32%today
Payment
$1,280/mo
$2,067today
  • 3beds
  • 3baths
  • 2,281sqft

210 VALENCIA Circle, St Petersburg

11632 EASY Street, Largo, FL, 33773 — assumable FHA mortgage at 2.98%
FHA
Active
30
$479,900$222,796 equity gap
Rate
2.98%
7.32%today
Payment
$1,211/mo
$1,978today
  • 4beds
  • 2baths
  • 1,360sqft

11632 EASY Street, Largo

701 MADISON Avenue #420, Clearwater, FL, 33756 — assumable FHA mortgage at 3.00%
FHA
Active
32
$159,900$159,900 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,060sqft

701 MADISON Avenue #420, Clearwater

2444 FOGGY CREEK Circle, Clearwater, FL, 33764 — assumable FHA mortgage at 3.33%
FHA
Active
25
$429,000$160,015 equity gap
Rate
3.33%
7.32%today
Payment
$1,367/mo
$2,136today
  • 3beds
  • 3baths
  • 1,853sqft

2444 FOGGY CREEK Circle, Clearwater

1725 SAN MATEO Drive, Dunedin, FL, 34698 — assumable FHA mortgage at 3.05%
FHA
Active
68
$480,000$321,368 equity gap
Rate
3.05%
7.32%today
Payment
$876/mo
$1,336today
  • 2beds
  • 3baths
  • 1,256sqft

1725 SAN MATEO Drive, Dunedin

914 NICHOLSON ST, Clearwater, FL, 33755 — assumable FHA mortgage at 3.09%
FHA
Active
27
$344,900$189,248 equity gap
Rate
3.09%
7.32%today
Payment
$741/mo
$1,193today
  • 3beds
  • 2baths
  • 1,367sqft

914 NICHOLSON ST, Clearwater

Assuming a mortgage in Clearwater

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.67%
Lowest existing payment
$419 /mo
Median cash to assume
$126,915
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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