Pasco County Assumable Homes: Weekly Update for October 21, 2026
PASCO COUNTY ASSUMABLE HOMES · WEEKLY REVIEW
Listings reviewed October 21, 2026.
This week’s Pasco County update brings together four active homes with advertised assumable mortgage rates in Hudson, New Port Richey and Wesley Chapel. A golf-course setting, a private pool and flexible living spaces are among the options.
The rate deserves a closer look, along with the home itself. This review covers the four listings supplied this week, not a complete county inventory. The Hudson listing identifies a VA loan. The other three advertise a rate without stating the loan type, so that detail still needs confirmation.
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, remaining balance, repayment term, cash required and servicer requirements.
Golf-Course Home with a Screened Lanai | Hudson
Hudson · $315,000 · 3 bedrooms · 2 bathrooms
Advertised assumable rate: 2.375%
Loan type: VA
Gated Meadow Oaks setting along the 16th fairway. The listing reports approximately $193,000 remaining on the existing loan and an approximately $122,000 difference at the asking price, plus costs. Assumption requires Guild Mortgage approval and applicable VA and occupancy requirements.
Register to request full listing details → Mention “Golf-Course Home with a Screened Lanai | Hudson” when you contact Chris.
Pool Home with a Wooded View | New Port Richey
New Port Richey · $365,000 · 3 bedrooms · 2 bathrooms
Advertised assumable rate: 2.99%
Loan type: Loan type not specified
Wyndtree home with a screened private pool, fireplace and whole-home generator. The listing notes the home needs some TLC.
Register to request full listing details → Mention “Pool Home with a Wooded View | New Port Richey” when you contact Chris.
Updated Home with a Fenced Backyard | Wesley Chapel
Wesley Chapel · $389,900 · 4 bedrooms · 2.5 bathrooms
Advertised assumable rate: 3.4%
Loan type: Loan type not specified
Built in 2019 in Epperson Ranch, with an extended patio. Lagoon and amenity access are subject to applicable requirements.
Register to request full listing details → Mention “Updated Home with a Fenced Backyard | Wesley Chapel” when you contact Chris.
Five-Bedroom Home with a Bonus Room | Wesley Chapel
Wesley Chapel · $534,900 · 5 bedrooms · 3 bathrooms
Advertised assumable rate: 5.25%
Loan type: Loan type not specified
Pasadena Landing home with a guest suite, covered lanai and fenced backyard. The listing reports no CDD; confirm community documents and fees.
Register to request full listing details → Mention “Five-Bedroom Home with a Bonus Room | Wesley Chapel” when you contact Chris.
What the Hudson example tells us about cash required
The Hudson listing reports an approximate $193,000 VA loan balance at 2.375%, against a $315,000 asking price. That leaves about $122,000 to cover before applicable closing costs and fees. The existing rate applies to the assumed balance, not automatically to the entire purchase price. Any additional financing must be acceptable to the lender.
Those figures are listing estimates and can change as the loan is paid down or the price changes. Ask for current documentation before relying on them.
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 Pasco 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.
