FHATop pick
Active
16$325,000$16,680 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,475/mo
$2,379today
- 4beds
- 3baths
- 2,577sqft
Ellenton, Florida
Assumable homes for salein Ellenton, Florida.
8 homes in Ellenton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Ellenton assumable market
by the numbers.
8active assumable listings
2.70%lowest locked rate
$407kmedian list price
$630saved per month vs. 7.2%
About the market
Assumable mortgagesin Ellenton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Ellenton. Updated October 2026.
How assumptions work for buyersEllenton, Florida has 8 homes for sale with an assumable mortgage as of October 2026: 7 VA loans and 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Ellenton assumable listings start at 2.70% with a median of 4.57%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Ellenton lists for $406,950, with a median of $109,784 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,870 a month versus $2,500 for the same balance at today's rate, roughly $630 kept every month and $7,563 a year. The most active Ellenton ZIP codes are 34222 (8).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Ellenton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ellenton
View all 8 on the map Homes on the marketin Ellenton.
FHA
Active
72$349,900$56,347 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,368/mo
$2,281today
- 3beds
- 3baths
- 1,904sqft
5636 SILVERBRIDGE Trail, Bradenton
FHA
Active
38$224,900$31,002 equity gap
- Rate
- 2.90%
7.40%today- Payment
- $916/mo
$1,523today
- 3beds
- 2baths
- 1,012sqft
3012 17TH Street, Bradenton
VA
Active
32$379,900$67,112 equity gap
- Rate
- 2.95%
7.40%today- Payment
- $1,478/mo
$2,444today
- 3beds
- 3baths
- 2,024sqft
11779 SHIRBURN Circle, Parrish
FHA
Active
35$389,900$65,482 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,527/mo
$2,510today
- 4beds
- 3baths
- 2,396sqft
5220 119TH Terrace, Parrish
VA
Active
24$315,000$39,419 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $1,308/mo
$2,119today
- 4beds
- 2baths
- 1,918sqft
223 CASCADE BEND Drive, Ruskin
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Ellenton.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.70%
- Median rate
- 4.57%
- Median list price
- $406,950
- Median cash to assume
- $109,784
Ellenton listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up3 homes
Ellenton listings by loan type
- VA7 homesmedian 5.23%
- FHA1 homemedian 2.70%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ellenton ZIP code.
Each ZIP opens the Ellenton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ellenton numbers
What an assumable ratedoes to an Ellenton payment.
The sliders start at the median Ellenton assumable listing: $406,950 list price and a 4.57% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$110,000
27% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Ellenton
$1,614/mo
New loan at 7.20%$2,002
Assumed at 4.55%
$1,614
Every month$388
Over five years$23,296
Interest you never pay$217,25526-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Ellenton listing on UMe shows the actual balance, rate, and payment.
How it works in Ellenton
How to assumea mortgage in Ellenton.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Ellenton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ellenton map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $109,784 in Ellenton today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Ellenton payment written in a different decade.
Ellenton questions
Assuming a mortgagein Ellenton.
The numbers below come from current Ellenton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ellenton?
As of October 2026, UMe tracks 8 active assumable listings in Ellenton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ellenton?
Current Ellenton inventory breaks down as VA (7, median 5.23%) and FHA (1, median 2.70%). 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 Ellenton?
The lowest rate on an active Ellenton assumable listing is 2.70%, and the median across all 8 listings is 4.57%. 4 listings are under 4% and 4 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 Ellenton?
Across current Ellenton listings, the median principal-and-interest payment on the assumable loan is $1,870 per month versus $2,500 for the same balance at today's rates, a difference of about $630 every month, or $7,563 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 Ellenton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ellenton that gap is currently a median of $109,784 on a median list price of $406,950. 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 Ellenton ZIP codes have the most assumable homes?
The Ellenton ZIP codes with the most active assumable listings are 34222 (8). 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 Ellenton?
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.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Ellenton.The rate is already on the house.
Every listing on the Ellenton map has a rate you can take over. Start with the ones in Ellenton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
