FHA
Active
19$510,000$254,959 equity gap
- Rate
- 3.31%
7.18%today- Payment
- $1,293/mo
$1,998today
- 4beds
- 2baths
- 1,387sqft
Ave Maria, Florida
Assumable homes for salein Ave Maria, Florida.
1 home in Ave Maria carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.52%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Ave Maria assumable market
by the numbers.
1active assumable listing
5.52%lowest locked rate
$350kmedian list price
$562saved per month vs. 7.2%
About the market
Assumable mortgagesin Ave Maria, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Florida, filtered to Ave Maria. Updated November 2026.
How assumptions work for buyersAve Maria, Florida has 1 home for sale with an assumable mortgage as of November 2026: 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Ave Maria assumable listings start at 5.52% with a median of 5.52%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Ave Maria lists for $350,000. At the median assumable rate the principal-and-interest payment is about $2,432 a month versus $2,995 for the same balance at today's rate, roughly $562 kept every month and $6,747 a year. The most active Ave Maria ZIP codes are 34142 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Ave Maria assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ave Maria
View all 1 on the map Homes on the marketin Ave Maria.
FHA
Active
55$440,000$39,472 equity gap
- Rate
- 6.35%
7.18%today- Payment
- $2,597/mo
$2,827today
- 3beds
- 2baths
- 1,126sqft
2740 RANDALL BLVD, Naples
FHA
Active
25$715,000$65,556 equity gap
- Rate
- 6.58%
7.18%today- Payment
- $4,189/mo
$4,453today
- 4beds
- 3baths
- 1,726sqft
2415 56TH Avenue, Naples
FHA
Active
38$679,500$171,501 equity gap
- Rate
- 5.70%
7.18%today- Payment
- $3,134/mo
$3,658today
- 3beds
- 2baths
- 1,505sqft
2885 41ST Avenue, Naples
FHA
Active
23$350,000Potential short sale
- Rate
- 5.52%
7.18%today- Payment
- $2,432/mo
$2,896today
- 4beds
- 4baths
- 2,254sqft
5618 AGOSTINO Way, Ave Maria
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Ave Maria.
Live counts from the MLS feeds we index for Florida. Updated November 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 5.52%
- Median rate
- 5.52%
- Median list price
- $350,000
Ave Maria listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Ave Maria listings by loan type
- FHA1 homemedian 5.52%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ave Maria ZIP code.
Each ZIP opens the Ave Maria map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ave Maria numbers
What an assumable ratedoes to an Ave Maria payment.
The sliders start at the median Ave Maria assumable listing: $350,000 list price and a 5.52% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$70,000
20% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Ave Maria
$1,689/mo
New loan at 7.20%$1,901
Assumed at 5.50%
$1,689
Every month$212
Over five years$12,708
Interest you never pay$157,31326-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Ave Maria listing on UMe shows the actual balance, rate, and payment.
How it works in Ave Maria
How to assumea mortgage in Ave Maria.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Ave Maria home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ave Maria map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Ave Maria payment written in a different decade.
Ave Maria questions
Assuming a mortgagein Ave Maria.
The numbers below come from current Ave Maria inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ave Maria?
As of November 2026, UMe tracks 1 active assumable listing in Ave Maria. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ave Maria?
Current Ave Maria inventory breaks down as FHA (1, median 5.52%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Ave Maria?
The lowest rate on an active Ave Maria assumable listing is 5.52%, and the median across all 1 listing is 5.52%. 0 listings are under 4% and 0 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Ave Maria?
Across current Ave Maria listings, the median principal-and-interest payment on the assumable loan is $2,432 per month versus $2,995 for the same balance at today's rates, a difference of about $562 every month, or $6,747 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
Which Ave Maria ZIP codes have the most assumable homes?
The Ave Maria ZIP codes with the most active assumable listings are 34142 (1). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Ave Maria?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Florida More assumable homesin Florida.
Ready when you are
Stop overpaying for Ave Maria.The rate is already on the house.
Every listing on the Ave Maria map has a rate you can take over. Start with the ones in Ave Maria, get pre-qualified in minutes, and let UMe carry the assumption to closing.