2.90% FHA
$285,000
$1,463/mo
405 BLAKELY Court
Ruskin, FL
4 bd3 ba2,035 sqft
Apollo Beach, Florida
Keep the rate.
Buy the home in Apollo Beach.
19 assumable homes for sale in Apollo Beach, with locked rates from 2.48%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.29%
vs 7.2% market
$632/mo saved
Median locked rate
6.29%
Across 19 assumable listings
Typical monthly savings
$632
On a $405,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Apollo Beach
Homes with a rate worth keeping
3.10% FHA
$237,000
$1,080/mo
2720 CONCH HOLLOW Drive
Brandon, FL
3 bd3 ba1,718 sqft
3.14% FHA
$325,000
$1,475/mo
2210 PURPLE ORCHID Place
Ruskin, FL
4 bd3 ba2,577 sqft
3.21% VA
$700,000
$3,399/mo
11748 ALBATROSS Lane
Riverview, FL
5 bd5 ba5,165 sqft
2.67% VA
$271,000
$1,027/mo
1818 DANBURY Drive
Sun City Center, FL
2 bd2 ba1,852 sqft
2.84% FHA
$295,000
$1,114/mo
7109 SALT RIVER Avenue
Sun City Center, FL
3 bd2 ba1,561 sqft
Inventory snapshot
What’s assumable in Apollo Beach right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 19
- Certified / verified
- 0
- Lowest rate
- 2.48%
- Median rate
- 6.29%
- Median list price
- $405,000
- Median cash to assume
- $107,802
Listings by locked rate
- Under 4%6 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up11 homes
Listings by loan type
- VA11 homesmedian 6.30%
- FHA8 homesmedian 6.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Apollo Beach ZIP code
Nearby markets
More assumable homes in Florida
- Orlando204
- Kissimmee194
- Tampa171
- 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
Run your numbers
The cost of waiting in Apollo Beach.
A 7.2% new loan against an assumable one at 6.29%, same balance, 30 years.
You keep every month
$196/mo
Over a year$2,351
Monthly payment, side by side
7.2% vs 6.29%
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 Apollo Beach
Numbers below come from current Apollo Beach inventory and update as listings change.
- How many assumable homes are for sale in Apollo Beach?
- As of September 2026, UMe tracks 19 active assumable listings in Apollo Beach. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Apollo Beach?
- Current Apollo Beach inventory breaks down as VA (11, median 6.30%) and FHA (8, median 6.27%). 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 Apollo Beach right now?
- The lowest rate on an active Apollo Beach assumable listing is 2.48%, and the median across all 19 listings is 6.29%. 6 listings are under 4% and 7 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 Apollo Beach?
- Across current Apollo Beach listings, the median principal-and-interest payment on the assumable loan is $2,252 per month versus $2,884 for the same balance at today's rates, a difference of about $632 every month, or $7,582 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 Apollo Beach?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Apollo Beach that gap is currently a median of $107,802 on a median list price of $405,000. 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 Apollo Beach ZIP codes have the most assumable homes?
- The Apollo Beach ZIP codes with the most active assumable listings are 33572 (19). 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 Apollo Beach?
- 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 Apollo Beach.
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.
