VATop pick
Active
38$385,000Potential short sale
- Rate
- 3.10%
7.40%today- Payment
- $2,153/mo
$3,491today
- 3beds
- 2baths
- 1,846sqft
Brooksville, Florida
Assumable homes for salein Brooksville, Florida.
46 homes in Brooksville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.71%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Brooksville assumable market
by the numbers.
46active assumable listings
2.71%lowest locked rate
$317kmedian list price
$349saved per month vs. 7.2%
About the market
Assumable mortgagesin Brooksville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Brooksville. Updated October 2026.
How assumptions work for buyersBrooksville, Florida has 46 homes for sale with an assumable mortgage as of October 2026: 28 FHA loans and 18 VA 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 Brooksville assumable listings start at 2.71% with a median of 6.25%; 13 listings are under 4% and 18 are under 5%.
The median assumable home in Brooksville lists for $317,000, with a median of $101,673 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 $1,293 a month versus $1,643 for the same balance at today's rate, roughly $349 kept every month and $4,193 a year. The most active Brooksville ZIP codes are 34604 (16), 34613 (14), 34601 (7), 34602 (6), and 34614 (3).
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 Brooksville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Brooksville
View all 46 on the map Homes on the marketin Brooksville.
FHA
Active
25$286,500$39,518 down
- Rate
- 3.09%
7.40%today- Payment
- $1,172/mo
$1,904today
- 3beds
- 2baths
- 1,760sqft
6056 SCHALEKAMP Drive, Spring Hill
FHA
Active
38$324,900$43,779 down
- Rate
- 3.45%
7.40%today- Payment
- $1,383/mo
$2,145today
- 4beds
- 2baths
- 1,939sqft
518 ARGYLL Drive, Spring Hill
FHA
Active
60$269,900$69,046 down
- Rate
- 3.02%
7.40%today- Payment
- $955/mo
$1,564today
- 2beds
- 2baths
- 1,530sqft
1018 CASTILLE Drive, Spring Hill
FHA
Active
37$320,000$68,856 down
- Rate
- 3.22%
7.40%today- Payment
- $1,204/mo
$1,923today
- 3beds
- 2baths
- 1,747sqft
5261 FEZ Court, Brooksville
VA
Active
23$204,999$51,622 down
- Rate
- 3.22%
7.40%today- Payment
- $737/mo
$1,177today
- 2beds
- 2baths
- 1,399sqft
10440 CLINT Loop, Floral City
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 Brooksville.
Live counts from the MLS feeds we index for Florida. Updated October 2026.
- Active listings
- 46
- UMe Certified / verified
- 0
- Lowest rate
- 2.71%
- Median rate
- 6.25%
- Median list price
- $317,000
- Median cash to assume
- $101,673
Brooksville listings by locked rate
- Under 4%13 homes
- 4% – 5%5 homes
- 5% – 6%2 homes
- 6% and up26 homes
Brooksville listings by loan type
- FHA28 homesmedian 6.25%
- VA18 homesmedian 5.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Brooksville ZIP code.
Each ZIP opens the Brooksville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Brooksville numbers
What an assumable ratedoes to a Brooksville payment.
The sliders start at the median Brooksville assumable listing: $317,000 list price and a 6.25% 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)$100,000
32% 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 Brooksville
$1,396/mo
New loan at 7.20%$1,459
Assumed at 6.25%
$1,396
Every month$64
Over five years$3,815
Interest you never pay$89,89126-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 Brooksville listing on UMe shows the actual balance, rate, and payment.
How it works in Brooksville
How to assumea mortgage in Brooksville.
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 Brooksville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Brooksville 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 $101,673 in Brooksville 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 Brooksville payment written in a different decade.
Brooksville questions
Assuming a mortgagein Brooksville.
The numbers below come from current Brooksville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Brooksville?
As of October 2026, UMe tracks 46 active assumable listings in Brooksville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Brooksville?
Current Brooksville inventory breaks down as FHA (28, median 6.25%) and VA (18, median 5.67%). 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 Brooksville?
The lowest rate on an active Brooksville assumable listing is 2.71%, and the median across all 46 listings is 6.25%. 13 listings are under 4% and 18 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 Brooksville?
Across current Brooksville listings, the median principal-and-interest payment on the assumable loan is $1,293 per month versus $1,643 for the same balance at today's rates, a difference of about $349 every month, or $4,193 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 Brooksville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Brooksville that gap is currently a median of $101,673 on a median list price of $317,000. 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 Brooksville ZIP codes have the most assumable homes?
The Brooksville ZIP codes with the most active assumable listings are 34604 (16), 34613 (14), 34601 (7), 34602 (6), and 34614 (3). 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 Brooksville?
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 Brooksville.The rate is already on the house.
Every listing on the Brooksville map has a rate you can take over. Start with the ones in Brooksville, get pre-qualified in minutes, and let UMe carry the assumption to closing.