Assumable Mortgage Homes for Sale in Miami, Florida (FL)
Search active homes in Miami, FL with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Miami-Dade · 1.02%/yr), and get quotes from lenders serving Miami.
Shopping for a Sub-4% Home in Miami, FL?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Miami, FL.
Assumable Mortgage Scenarios in Miami & Florida
View All Live Listings in Miami, FL →
FHA 3.75% AssumableSave -$1,402/mo
VA 2.85% AssumableSave -$3,157/mo
FHA 2.75% AssumableSave -$2,331/mo
VA 3.75% AssumableSave -$119,678/mo
USDA 2.75% AssumableSave -$8,233/moFrequently Asked Questions: Assumable Loans in Miami, FL
Which loans are assumable in Miami, FL?
All government-insured FHA, VA, and USDA residential mortgages in Miamiare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Miami buyers finance the equity gap?
If a home in Miami is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Miami lenders so you only bring 5%–10% down.