2.90% FHA
$365,000
$1,349/mo
2925 BANYAN HILL Lane
Land O Lakes, FL
4 bd2 ba1,819 sqft
Wesley Chapel, Florida
Keep the rate.
Buy the home in Wesley Chapel.
50 assumable homes for sale in Wesley Chapel, with locked rates from 2.28%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.80%
vs 7.2% market
$617/mo saved
Median locked rate
5.80%
Across 50 assumable listings
Typical monthly savings
$617
On a $427,450 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 Wesley Chapel
Homes with a rate worth keeping
3.45% FHA
$337,000
$1,468/mo
7774 SAIL CLOVER Lane
Zephyrhills, FL
4 bd2 ba1,846 sqft
2.87% VA
$420,000
$1,521/mo
1561 TALLULAH Terrace
Wesley Chapel, FL
5 bd4 ba2,471 sqft
2.90% VA
$394,990
$1,438/mo
31527 CANNON RUSH Drive
San Antonio, FL
2 bd2 ba1,968 sqft
2.98% FHA
$265,000
$908/mo
4921 6TH Street
Zephyrhills, FL
3 bd2 ba1,064 sqft
3.75% FHA
$379,900
$1,659/mo
35418 ACKLEY Trace
Zephyrhills, FL
5 bd3 ba2,217 sqft
Inventory snapshot
What’s assumable in Wesley Chapel right now
Live counts from the MLS feeds we index for Florida. Updated September 2026.
- Active listings
- 50
- Certified / verified
- 0
- Lowest rate
- 2.28%
- Median rate
- 5.80%
- Median list price
- $427,450
- Median cash to assume
- $174,614
Listings by locked rate
- Under 4%17 homes
- 4% – 5%6 homes
- 5% – 6%2 homes
- 6% and up25 homes
Listings by loan type
- VA27 homesmedian 3.99%
- FHA23 homesmedian 6.36%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Wesley Chapel 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
- Zephyrhills49
- Palm Coast46
- Clermont45
- Port Charlotte45
- Land O'Lakes43
- New Port Richey43
- Sanford37
- Apopka36
- Bradenton36
- Alachua
Run your numbers
The cost of waiting in Wesley Chapel.
A 7.2% new loan against an assumable one at 5.80%, same balance, 30 years.
You keep every month
$313/mo
Over a year$3,755
Monthly payment, side by side
7.2% vs 5.80%
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 Wesley Chapel
Numbers below come from current Wesley Chapel inventory and update as listings change.
- How many assumable homes are for sale in Wesley Chapel?
- As of September 2026, UMe tracks 50 active assumable listings in Wesley Chapel. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Wesley Chapel?
- Current Wesley Chapel inventory breaks down as VA (27, median 3.99%) and FHA (23, median 6.36%). 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 Wesley Chapel right now?
- The lowest rate on an active Wesley Chapel assumable listing is 2.28%, and the median across all 50 listings is 5.80%. 17 listings are under 4% and 23 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 Wesley Chapel?
- Across current Wesley Chapel listings, the median principal-and-interest payment on the assumable loan is $2,012 per month versus $2,628 for the same balance at today's rates, a difference of about $617 every month, or $7,401 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 Wesley Chapel?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wesley Chapel that gap is currently a median of $174,614 on a median list price of $427,450. 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 Wesley Chapel ZIP codes have the most assumable homes?
- The Wesley Chapel ZIP codes with the most active assumable listings are 33545 (21), 33543 (18), and 33544 (11). 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 Wesley Chapel?
- 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 Wesley Chapel.
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.
