FHATop pick
Active
15$329,999$3,743 equity gap
- Rate
- 3.12%
7.40%today- Payment
- $1,551/mo
$2,508today
- 4beds
- 3baths
- 2,635sqft
Valrico, Florida
Assumable homes for salein Valrico, Florida.
38 homes in Valrico carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Valrico assumable market
by the numbers.
38active assumable listings
2.72%lowest locked rate
$445kmedian list price
$879saved per month vs. 7.2%
About the market
Assumable mortgagesin Valrico, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Valrico. Updated October 2026.
How assumptions work for buyersValrico, Florida has 38 homes for sale with an assumable mortgage as of October 2026: 20 VA loans and 18 FHA loans 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 Valrico assumable listings start at 2.72% with a median of 3.98%; 19 listings are under 4% and 25 are under 5%.
The median assumable home in Valrico lists for $444,700, with a median of $160,681 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 $1,328 a month versus $2,207 for the same balance at today's rate, roughly $879 kept every month and $10,543 a year. The most active Valrico ZIP codes are 33594 (25) and 33596 (13).
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 Valrico assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Valrico
View all 38 on the map Homes on the marketin Valrico.
VATop pick
Active
41$369,900$32,953 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,594/mo
$2,585today
- 4beds
- 2baths
- 1,841sqft
12619 LEMON PEPPER Drive, Riverview
VA
Active
27$375,000$54,248 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,493/mo
$2,493today
- 3beds
- 3baths
- 2,160sqft
7304 MILESTONE Drive, Apollo Beach
VA
Active
19$400,000$63,150 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,569/mo
$2,617today
- 4beds
- 2baths
- 1,968sqft
218 PARK RIDGE Avenue, Temple Terrace
VA
Active
15$359,999$42,741 equity gap
- Rate
- 3.06%
7.40%today- Payment
- $1,521/mo
$2,479today
- 3beds
- 2baths
- 1,048sqft
10015 LINDA Street, Gibsonton
FHA
Active
56$284,900$31,154 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $1,199/mo
$1,952today
- 3beds
- 3baths
- 1,663sqft
4459 GLOBE THISTLE Drive, Tampa
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 Valrico.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 38
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 3.98%
- Median list price
- $444,700
- Median cash to assume
- $160,681
Valrico listings by locked rate
- Under 4%19 homes
- 4% – 5%6 homes
- 5% – 6%2 homes
- 6% and up11 homes
Valrico listings by loan type
- VA20 homesmedian 3.58%
- FHA18 homesmedian 4.80%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Valrico ZIP code.
Each ZIP opens the Valrico map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Valrico numbers
What an assumable ratedoes to a Valrico payment.
The sliders start at the median Valrico assumable listing: $444,700 list price and a 3.98% 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)$160,000
36% 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 Valrico
$1,471/mo
New loan at 7.20%$1,935
Assumed at 4.00%
$1,471
Every month$464
Over five years$27,828
Interest you never pay$237,56626-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 Valrico listing on UMe shows the actual balance, rate, and payment.
How it works in Valrico
How to assumea mortgage in Valrico.
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 a Valrico home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Valrico 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 $160,681 in Valrico 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 a Valrico payment written in a different decade.
Valrico questions
Assuming a mortgagein Valrico.
The numbers below come from current Valrico inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Valrico?
As of October 2026, UMe tracks 38 active assumable listings in Valrico. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Valrico?
Current Valrico inventory breaks down as VA (20, median 3.58%) and FHA (18, median 4.80%). 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 Valrico?
The lowest rate on an active Valrico assumable listing is 2.72%, and the median across all 38 listings is 3.98%. 19 listings are under 4% and 25 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 Valrico?
Across current Valrico listings, the median principal-and-interest payment on the assumable loan is $1,328 per month versus $2,207 for the same balance at today's rates, a difference of about $879 every month, or $10,543 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 Valrico?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Valrico that gap is currently a median of $160,681 on a median list price of $444,700. 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 Valrico ZIP codes have the most assumable homes?
The Valrico ZIP codes with the most active assumable listings are 33594 (25) and 33596 (13). 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 Valrico?
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 Valrico.The rate is already on the house.
Every listing on the Valrico map has a rate you can take over. Start with the ones in Valrico, get pre-qualified in minutes, and let UMe carry the assumption to closing.
