Active listing review: October 14, 2026. Updated weekly on Thursdays.

If you are looking for Hillsborough County VA assumable loan homes, the mortgage deserves a closer look along with the home itself. An advertised low rate can catch your attention quickly. The next questions are how much remains on the loan, how much cash you need to bridge the seller’s equity, and whether the servicer will approve the assumption.

I pulled together 12 active homes from the current listing pool that mention a numeric assumable interest rate. You will find options in Tampa, Riverview, Lithia, Valrico, Plant City, Apollo Beach, Ruskin, Wimauma and Sun City Center. The list includes VA assumable homes, FHA assumable homes and two listings whose loan type still needs confirmation.

For Veterans, active duty buyers and anyone exploring homes with assumable loans in Hillsborough County, this is a starting point for comparing actual opportunities. Use the registration link below a home, register, and then open the full listing.

Active Hillsborough County homes with advertised assumable rates

Prices and loan terms below come from listing descriptions, not a lender quote. <5% means the listing says below 5%; ≈5% means approximately 5%. FHA/VA means the loan type was not specified and needs confirmation. An asterisk identifies a rate stated as a number without a percent sign in the source.

Waterfront Condo in Kings Point | Sun City Center

Sun City Center · $239,900 · 2 bedrooms · 2 bathrooms
Advertised assumable loan: VA at 2.9%

Kings Point; confirm community eligibility requirements.

Register to view this home’s full listing →

Move-In Ready Villa in a 55+ Community | Wimauma

Wimauma · $279,995 · 2 bedrooms · 2.5 bathrooms
Advertised assumable loan: VA at 4.375%

55+ community.

Register to view this home’s full listing →

New Roof and Remodeled Interiors | Riverview

Riverview · $324,900 · 4 bedrooms · 2 bathrooms
Advertised assumable loan: FHA/VA at ≈5%

The listing does not identify the loan type. FHA/VA is a placeholder until confirmed with the seller and servicer.

Register to view this home’s full listing →

Gated Community Home Built in 2020 | Riverview

Riverview · $370,000 · 3 bedrooms · 2.5 bathrooms
Advertised assumable loan: FHA at 2.75%

Register to view this home’s full listing →

Five Bedroom Home with Move-In Ready Finishes | Ruskin

Ruskin · $379,900 · 5 bedrooms · 2.5 bathrooms
Advertised assumable loan: FHA at <5%

Exact rate not stated.

Register to view this home’s full listing →

Single Story Beazer Home | Riverview

Riverview · $380,000 · 4 bedrooms · 2 bathrooms
Advertised assumable loan: FHA/VA at 2.25%

The listing does not identify the loan type. FHA/VA is a placeholder until confirmed with the seller and servicer.

Register to view this home’s full listing →

Home Theater and Backyard Fire Pit | Riverview

Riverview · $439,000 · 4 bedrooms · 2.5 bathrooms
Advertised assumable loan: FHA at 3.25%

Register to view this home’s full listing →

First Floor Primary Suite and Extended Patio | Apollo Beach

Apollo Beach · $439,990 · 4 bedrooms · 2.5 bathrooms
Advertised assumable loan: FHA at 2.75%

Front exterior shown from an aerial angle.

Register to view this home’s full listing →

Pool Home on Nearly Half an Acre | Valrico

Valrico · $515,000 · 4 bedrooms · 2 bathrooms
Advertised assumable loan: VA at 2.75%*

Listing states “VA loan at 2.75” without a percent sign. Confirm rate.

Register to view this home’s full listing →

Spacious Home with Four Full Baths | Plant City

Plant City · $550,000 · 4 bedrooms · 4 bathrooms
Advertised assumable loan: VA at 3.92%*

Listing states “3.92” without a percent sign. Rate interpretation needs confirmation.

Register to view this home’s full listing →

Custom Two Story Home | Tampa

Tampa · $679,900 · 4 bedrooms · 2.5 bathrooms
Advertised assumable loan: VA at 5.5%

Register to view this home’s full listing →

Pool Home with a Private Guest Apartment | Lithia

Lithia · $725,000 · 5 bedrooms · 4.5 bathrooms
Advertised assumable loan: VA at 2.25%

Register to view this home’s full listing →

How a VA or FHA loan assumption works

An approved assumption transfers the existing mortgage obligation to the buyer. The remaining loan balance and terms matter just as much as the advertised rate. A home with a 2.25% mortgage can still require substantial funds if the purchase price is far above that loan balance.

Do you have to be a Veteran to assume a VA loan?

VA says a qualified buyer, including a non-Veteran, can assume a VA guaranteed loan. The buyer must meet applicable credit and income requirements, and approval is required. For the seller, restoring VA entitlement is a separate issue: substitution generally requires an eligible Veteran buyer with enough entitlement. That is worth discussing early. Read VA’s assumption and entitlement guidance.

What should you confirm before making an offer?

• The exact interest rate, remaining loan balance and repayment term.

• The funds needed for seller equity, closing costs and applicable fees.

• The servicer’s approval requirements and expected processing time.

• Taxes, insurance, mortgage insurance, HOA fees and any additional financing.

FHA assumptions also have applicable loan and approval requirements. Have the servicer confirm the details for that specific mortgage. HUD’s mortgage servicing handbook includes assumption guidance.

Find an assumable home in Hillsborough County

Whether you are considering a Riverview home, a Lithia pool home, a Tampa property or a Sun City Center condo, start with the home that fits your needs. Then we can work through the mortgage details and decide whether the assumption makes sense for you.

I will refresh the Hillsborough, Pasco and Pinellas county lists every Thursday using the latest available listing pools. Homes that remain active will stay on the list, new qualifying homes will be added, and homes no longer active will be removed.

Chris Johnson | EmpowerHome Team
Keller Williams Realty At The Lakes
813-669-7929 · [email protected]

Listing availability, prices and advertised terms can change. Information is considered reliable but requires verification with the seller and servicer. An advertised assumption is not a loan approval, guaranteed rate or guaranteed savings. Community eligibility restrictions may apply. Equal Housing Opportunity.