Pinellas County VA Assumable Homes and FHA Options

By Chris Johnson | Listing review: October 14, 2026 | Weekly updates on Thursdays

If you are looking for a home in Pinellas County, look beyond the asking price. An existing VA or FHA mortgage may be part of the conversation. This week’s list includes 8 active homes with an advertised assumption rate, ranging from Clearwater homes and condos to a Seminole waterfront townhome, St. Petersburg homes and a Tarpon Springs pool home.

For Veterans exploring VA loans, and buyers comparing homes with assumable loans, this is a starting point for a more useful conversation. These homes are in Clearwater, Seminole, Palm Harbor, St. Petersburg and Tarpon Springs. County membership was checked against the listing details, including cities that cross county lines.

What to know before choosing an assumable home

An advertised interest rate is only one piece of the purchase. We also need to confirm the remaining loan balance, the cash needed to cover the difference between that balance and the purchase price, closing costs, and the servicer’s approval process. Taxes, insurance, association fees and mortgage insurance where applicable still affect the monthly payment.

These are existing loan rates reported in the listings, not new loan offers or guaranteed terms. Only homes marked Active when reviewed are included. Availability, price and assumption terms can change.

Reading the rates: ≈ means approximately; < means less than. An asterisk identifies a listing that gives a rate number without a percent sign. Those figures need confirmation. FHA/VA is used when the listing does not identify the loan type; it does not confirm that either loan exists.

Active Pinellas County homes with advertised assumption rates

Street addresses are kept off this page. Use the registration link below the home you like to view its full listing. For homes labeled 55+, select the same home name on the registration form.

55+ Home with a 2023 Roof and Florida Room | Clearwater

$295,000 | 2 bedrooms | 2 bathrooms | VA | Advertised rate: ≈6%

The listing describes an approximate rate. Confirm the exact rate.

55+ community; confirm eligibility requirements.

Register to view 55+ Home with a 2023 Roof and Florida Room in Clearwater

55+ Waterfront Condo with Tampa Bay Views | Clearwater

$315,000 | 2 bedrooms | 2 bathrooms | VA | Advertised rate: 5.25%

55+ community; confirm eligibility requirements.

Register to view 55+ Waterfront Condo with Tampa Bay Views in Clearwater

Waterfront Townhome with a Deeded Boat Slip | Seminole

$370,000 | 3 bedrooms | 3 bathrooms | FHA/VA | Advertised rate: 3.62%

Loan type was not specified. FHA/VA requires confirmation with the seller and servicer.

Register to view Waterfront Townhome with a Deeded Boat Slip in Seminole

Corner Townhome with Peaceful Pond Views | Palm Harbor

$374,900 | 3 bedrooms | 2.5 bathrooms | VA | Advertised rate: 4.5%

Register to view Corner Townhome with Peaceful Pond Views in Palm Harbor

Remodeled Kitchen in Pinellas Point | St. Petersburg

$459,000 | 3 bedrooms | 2 bathrooms | FHA/VA | Advertised rate: 3.125%

Loan type was not specified. FHA/VA requires confirmation with the seller and servicer.

Register to view Remodeled Kitchen in Pinellas Point in St. Petersburg

Remodeled Shore Acres Home with Two Living Spaces | St. Petersburg

$500,000 | 3 bedrooms | 2 bathrooms | FHA | Advertised rate: 2.99%

Register to view Remodeled Shore Acres Home with Two Living Spaces in St. Petersburg

Pool Home Backing to a Nature Preserve | Clearwater

$999,000 | 4 bedrooms | 3 bathrooms | VA | Advertised rate: 2.875%

Register to view Pool Home Backing to a Nature Preserve in Clearwater

Pool Home with a Private Ground Floor Guest Suite | Tarpon Springs

$1,068,000 | 4 bedrooms | 3.5 bathrooms | VA | Advertised rate: 2.99%

Register to view Pool Home with a Private Ground Floor Guest Suite in Tarpon Springs

Can a buyer assume a VA loan without being a Veteran?

VA loan assumptions may be available to qualified buyers who are not Veterans, subject to the required approval. That does not mean every seller will accept that arrangement. A Veteran seller’s entitlement can remain tied to the loan unless an eligible Veteran buyer substitutes entitlement. Some listings in this collection specifically request a VA qualified buyer or substitution of entitlement. We need to confirm the seller’s requirements before moving forward.

See the VA’s loan assumption information for more on approval and entitlement.

What about FHA assumable homes?

FHA loans can also be assumable, subject to the applicable loan rules and approval requirements. I include FHA options so buyers can compare the homes and financing details together. The seller and loan servicer must confirm the actual loan type, rate, balance and approval process. HUD’s mortgage servicing guidance explains FHA assumptions.

Let’s check the home and the loan together

If one of these Pinellas County homes catches your attention, register through its link and I can help you get the details that matter. A low advertised rate is useful only if the home, cash requirements and approval process fit your plans.

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

Source: seller and listing-agent information in the supplied OneHome collection, reviewed October 14, 2026. Property features and financing statements are listing claims and require verification. This list is updated weekly as new pools are provided, with new qualifying active homes added and homes no longer active removed.