Homes for sale where a qualified buyer can take over the seller's mortgage, often at a lower rate than a new loan today.
An assumable loan lets you take over the seller's mortgage, with its interest rate and remaining balance, instead of starting a new loan. When the seller's rate is lower than today's rates, that can mean a smaller monthly payment.
Every home on this page is marked assumable by its listing agent in the MLS. When the listing description names the loan type, we show it. Ask the listing agent for the rate, the remaining balance and the lender's requirements before you make an offer.
There are 249 homes listed for sale in Tampa Bay with an assumable loan, with a median list price of $399,900. Prices range from $87,500 to $3,295,000.
Single-family homes: 193 · Townhomes: 29 · Condos: 20 · Villas: 7
Live MLS listing data as of October 27, 2026, refreshed every 15 minutes.
Loan type comes from the listing description. 163 listings do not say, and are shown under All.
Courtesy of CIRCINUS REALTY
Provided by Stellar MLS · Updated 10/27/2026
Courtesy of JORDAN ASHLEY REALTY, INC.
Provided by Stellar MLS · Updated 10/27/2026
Courtesy of AMETHYST PROPERTY ADVISORS LLC
Provided by Stellar MLS · Updated 10/26/2026
Courtesy of RUIZ REALTY SERVICES INC.
Provided by Stellar MLS · Updated 10/25/2026
Courtesy of RE/MAX ACTION FIRST OF FLORIDA
Provided by Stellar MLS · Updated 10/26/2026
Courtesy of COLDWELL BANKER REALTY
Provided by Stellar MLS · Updated 10/23/2026
Courtesy of CALEBRO & ASSOCIATES
Provided by Stellar MLS · Updated 10/27/2026
Courtesy of COLDWELL BANKER REALTY
Provided by Stellar MLS · Updated 10/23/2026
Courtesy of HOME SEARCH REALTY
Provided by Stellar MLS · Updated 10/22/2026
Courtesy of COLDWELL BANKER REALTY
Provided by Stellar MLS · Updated 10/22/2026
Courtesy of HENDRIK MARIE REAL ESTATE SERVICES
Provided by Stellar MLS · Updated 10/26/2026
Courtesy of ARC REALTY GROUP
Provided by Stellar MLS · Updated 10/20/2026
Courtesy of BEYCOME OF FLORIDA LLC
Provided by Stellar MLS · Updated 10/20/2026
Courtesy of INVESTCOR REALTY LLC
Provided by Stellar MLS · Updated 10/21/2026
There are 249 homes listed for sale in Tampa Bay with an assumable loan with a median list price of $399,900. Prices range from $87,500 to $3,295,000. (Live listing data as of October 27, 2026.)
The median list price in Tampa Bay with an assumable loan is $399,900, about $210 per square foot. The typical listing has been on the market for 87 days. (As of October 27, 2026.)
Right now the listings in Tampa Bay with an assumable loan include 193 single-family homes, 29 townhomes, 20 condos, and 7 villas.
An assumable loan is a mortgage a buyer can take over from the seller, keeping its interest rate, remaining balance and payoff date instead of starting a new loan. FHA, VA and USDA loans can be assumable. Most conventional loans cannot.
No. Anyone who qualifies with the loan servicer can assume a VA loan. If the buyer is not a veteran, the seller's VA entitlement stays tied to that loan until it is paid off, so some veteran sellers prefer a veteran buyer who can substitute their own entitlement.
You pay the difference between the price and the remaining loan balance, plus closing costs. On a $400,000 home with a $300,000 balance, that is $100,000, paid in cash or with a second loan. That gap is usually the biggest cost to plan for, which is why the balance matters as much as the rate.
The MLS does not record the rate or balance of a seller's loan, so we do not show them. Many listing descriptions mention the rate. Ask the listing agent to confirm the current rate, the remaining balance and the monthly payment before you make an offer.
Usually longer than a new loan. The seller's loan servicer approves the assumption, not a lender you choose, and that review often takes 45 days or more. Plan your closing date around it.
