DATA UPDATED

Loan data refreshes monthly — figures below are the latest available.

Florida assumable home loans

Take over their low payment.

Some Florida homes for sale carry an FHA, VA, or USDA loan a buyer can legally step into — at the seller's old rate, not today's. We track them.

Selling? List your home free

LIVE TOTALS · FLORIDALast updated November 10, 2026DATA REFRESHES MONTHLY

Government loans tracked: 178,219
Prime loans at 4% or under: 82,551
Florida counties covered: 10
Listings open as sellers and agents submit — be first in your county: —

Florida counties

Assumable homes by county — 10 Florida counties tracked

We track government-backed loans from 2020-2024 in ten Florida counties. Each county page shows its prime loans at 4% or under, the estimated number still in place, and the prime vintage cards — median rate, payment, balance, years left and estimated monthly savings.

Lee County

Assumable homes in Lee County, Florida

10,288 prime at 4% or under~6,741 still in place (est.)

Broward County

Assumable homes in Broward County, Florida

12,133 prime at 4% or under~7,831 still in place (est.)

Miami-Dade County

Assumable homes in Miami-Dade County, Florida

12,237 prime at 4% or under~7,945 still in place (est.)

Palm Beach County

Assumable homes in Palm Beach County, Florida

9,651 prime at 4% or under~6,226 still in place (est.)

Martin County

Assumable homes in Martin County, Florida

904 prime at 4% or under~574 still in place (est.)

St. Lucie County

Assumable homes in St. Lucie County, Florida

7,842 prime at 4% or under~5,053 still in place (est.)

Charlotte County

Assumable homes in Charlotte County, Florida

2,527 prime at 4% or under~1,641 still in place (est.)

Sarasota County

Assumable homes in Sarasota County, Florida

4,075 prime at 4% or under~2,603 still in place (est.)

Orange County

Assumable homes in Orange County, Florida

9,717 prime at 4% or under~6,278 still in place (est.)

Duval County

Assumable homes in Duval County, Florida

13,177 prime at 4% or under~8,486 still in place (est.)

A worked example — all figures ESTIMATED

What stepping into a 4% loan can look like.

A $300,000 home bought five years ago with a $289,500 loan at 4%: payment $1,382 a month. A new loan on the same home today at 7.33% would run about $1,996 a month. Stepping into the old loan saves roughly $614 a month.

That payment EXCLUDES taxes, insurance, HOA dues, and servicer fees. Those costs are on top of the payment shown here, and they change the total cost of owning the home.

Estimated balance on the old loan today: $261,846 · about 25.1 years left on the loan.

CONFIRMED HOMES

No confirmed homes yet — be first in your county

List your home free

Listings open as sellers and agents submit — be first in your county. No home appears here until its FHA, VA or USDA loan is confirmed and its payment card is checked. Selling a home with a government-backed loan? List it free.

I'm buying — $29/mo · I'm an agent — $69/mo

How it works

Find the loan. Check the payment. Step in.

Each confirmed home gets a payment card — the rate, monthly payment, estimated balance and cash to step in. Pick your counties, and we alert you the moment a home is confirmed. Cancel anytime.

See buyer and agent plans

We track the loans

We follow government-backed FHA, VA and USDA loans from 2020-2024 in ten Florida counties and flag the prime ones at 4% or under. No invented listings — a home appears only when its loan is confirmed.

You see the payment card

The moment a home is confirmed in one of your counties, an email lands in your inbox with the loan's rate, monthly payment, estimated balance and the cash needed to step in. The payment excludes taxes, insurance, HOA dues and servicer fees.

Weekly digest — every Monday

One calm summary of everything confirmed that week, sorted by estimated monthly savings so the biggest win sits at the top. Best when you would rather compare in one calm scroll.

Unsubscribe or change your counties at any time. Cancel anytime — no contract.

Straight answers

Questions people ask first

Read the full FAQ

What is Take Over My Home Payment?

A Florida information service that tracks homes for sale whose FHA, VA, or USDA mortgage can legally be taken over by the buyer, showing the payment the buyer could step into. It is not a real estate broker, lender, or loan servicer.

How much does it cost?

Buyers pay $29 per month; real estate agents pay $69 per month. Cancel anytime.

Which areas are covered?

Ten Florida counties: Miami-Dade, Broward, Palm Beach, Martin, St. Lucie, Lee, Charlotte, Sarasota, Orange, and Duval.

What does a listing show?

The loan's rate, monthly payment, estimated balance, years left, the cash needed to step in, and the estimated savings versus a new loan — each figure labeled verified or estimated.

Buyer or agent — your choice

Step into a low payment, or list the home that has one.

Buyers pay $29 a month for payment cards, instant alerts and the weekly digest across all ten Florida counties. Agents pay $69 a month for the full-market view, territory alerts and verified payment cards for their own listings. Selling? List your home free. Cancel anytime.

I'm buying — $29/mo I'm an agent — $69/mo Selling? List your home free

Payment cards with the rate, payment, estimated balance and cash to step in
Instant alerts when a home is confirmed in your counties
Weekly digest every Monday
Cancel anytime, no contract