Hillsborough County Assumable Homes: Weekly Update for October 21, 2026
HILLSBOROUGH COUNTY ASSUMABLE HOMES · WEEKLY REVIEW
Listings reviewed October 21, 2026.
A lower existing mortgage rate is worth a closer look, but the home and the loan need to work together. This week’s Hillsborough County update includes six active listings that advertise a numeric assumable rate, with options in Riverview, Ruskin, Apollo Beach, Lithia and Tampa.
This is a review of the seven-home update supplied this week, not a complete county inventory. One Tampa condo is not included because its public remarks do not verify an assumable loan. Two featured listings advertise a rate without identifying the loan type; those are marked below.
This week’s homes with advertised assumable rates
These are seller-advertised existing loan terms, not new mortgage offers or lender approvals. Confirm the exact rate, balance, remaining term, required cash and approval process before making a financing decision.
Five-Bedroom Home with a Loft | Riverview
Riverview · $380,000 · 5 bedrooms · 2.5 bathrooms
Advertised assumable rate: 4.75%
Loan type: VA
Built in 2022, with an upstairs loft and fenced backyard.
Register to request full listing details → Mention “Five-Bedroom Home with a Loft | Riverview” when you contact Chris.
Six-Bedroom Home with a Screened Lanai | Ruskin
Ruskin · $400,000 · 6 bedrooms · 3 bathrooms
Advertised assumable rate: 4.25%
Loan type: Loan type not specified
Built in 2022 in Glencove; the listing describes no rear neighbors.
Register to request full listing details → Mention “Six-Bedroom Home with a Screened Lanai | Ruskin” when you contact Chris.
2025 Home with a Loft in Waterset | Apollo Beach
Apollo Beach · $469,999 · 4 bedrooms · 2.5 bathrooms
Advertised assumable rate: 4.99%
Loan type: FHA
Two living areas and a covered porch. Confirm the property details and measurements with the listing team.
Register to request full listing details → Mention “2025 Home with a Loft in Waterset | Apollo Beach” when you contact Chris.
2022 Home with a First-Floor Guest Suite | Riverview
Riverview · $609,499 · 4 bedrooms · 3.5 bathrooms
Advertised assumable rate: 4.75%*
Loan type: VA
A large upstairs loft and a first-floor bedroom with an en-suite bathroom. *The listing states “4.75 interest rate” without a percent sign; confirm the exact rate.
Register to request full listing details → Mention “2022 Home with a First-Floor Guest Suite | Riverview” when you contact Chris.
Pool Home with a Private Guest Apartment | Lithia
Lithia · $725,000 · 5 bedrooms · 4.5 bathrooms
Advertised assumable rate: 2.25%
Loan type: VA
FishHawk Ranch West home with a screened pool, outdoor kitchen and separate guest apartment.
Register to request full listing details → Mention “Pool Home with a Private Guest Apartment | Lithia” when you contact Chris.
Renovated South Tampa Home | Tampa
Tampa · $925,000 · 4 bedrooms · 2 bathrooms
Advertised assumable rate: 5.75%
Loan type: Loan type not specified
Updated kitchen with a waterfall quartz island and a fenced backyard. The listing identifies Rocket Mortgage servicing; approval and full underwriting are required.
Register to request full listing details → Mention “Renovated South Tampa Home | Tampa” when you contact Chris.
Look beyond the headline rate
The remaining loan balance is a big part of the comparison. If the purchase price is higher than that balance, you need a plan for the difference, along with closing costs and applicable fees. Taxes, insurance, mortgage insurance and community fees also affect your monthly cost.
Ask the servicer about buyer qualification, the approval process and timing. Do not assume an advertised loan can transfer automatically or that the advertised rate applies to the entire purchase price.
Do you have to be a Veteran to assume a VA loan?
VA guidance says a qualified purchaser, including a non-Veteran, may assume a VA-guaranteed loan, subject to applicable requirements. Restoring the seller’s entitlement is a separate issue: a substitution generally requires an eligible Veteran buyer with sufficient entitlement. Read VA’s assumption and entitlement guidance. Confirm any seller-specific conditions early.
FHA assumptions have their own requirements. Have the servicer confirm the rules for the specific mortgage. HUD’s servicing handbook includes assumption guidance.
Find the home and financing that fit your next move
Start with the home that meets your needs. Then we can compare the assumption details, required funds and your timeline. Register for Hillsborough County assumable-home details or call 813-669-7929.
Have a home to sell before you buy? Ask Chris Johnson & EmpowerHome Team about a coordinated selling plan and Your Home Sold, Guaranteed!* Explore your selling options. *Program eligibility, a written agreement and property, price, timing and other conditions apply.
Chris Johnson | EmpowerHome Team
Keller Williams Realty At The Lakes
813-669-7929 · [email protected]
Sources: public listing remarks and active status in the supplied OneHome update, reviewed October 21, 2026. Prices, availability and advertised loan terms can change. Loan balances, rates, approval and community requirements require verification with the seller and servicer. An advertised assumption does not guarantee financing or savings. Properties may be listed by other brokers. Equal Housing Opportunity.
