St. Augustine, FL · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in St. Augustine, Florida (FL)
Search active homes in St. Augustine, 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 (St. Augustine Area · 0.86%/yr), and get quotes from lenders serving St. Augustine.
Assumable Mortgage Buyer ConciergeSt. Augustine, FL
Shopping for a Sub-4% Home in St. Augustine, FL?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in St. Augustine, FL.
Assumable Mortgage Scenarios in St. Augustine & Florida
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VA 3.75% AssumableSave -$2,871/mo$899,0004 bd · 3 ba · 2,171 sqft
308 SPANISH OAK COURT
St. Augustine, FL 32080
1st Loan Balance$515,200
Est. Equity Gap$383,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,050/mo$859,0003 bd · 3 ba · 1,822 sqft
25 LINDA MAR DR
Saint Augustine, FL 32080
1st Loan Balance$532,700
Est. Equity Gap$326,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$614/mo$375,0002 bd · 2 ba · 1,060 sqft
603 BOWERS LN
Saint Augustine, FL 32080
1st Loan Balance$390,800
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,595/mo$499,9003 bd · 2 ba · 1,440 sqft
495 PYRUS STREET
St. Augustine, FL 32080
1st Loan Balance$286,700
Est. Equity Gap$213,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,969/mo$399,9993 bd · 2 ba · 1,056 sqft
131 16TH ST
Saint Augustine, FL 32080
1st Loan Balance$128,600
Est. Equity Gap$271,399
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,003/mo$1,410,0005 bd · 4 ba · 3,102 sqft
23 OCEAN PINES DR
Saint Augustine, FL 32080
1st Loan Balance$874,900
Est. Equity Gap$535,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,116/mo$349,9002 bd · 2 ba · 878 sqft
880 A1A BEACH BLVD UNIT 3214
Saint Augustine, FL 32080
1st Loan Balance$200,700
Est. Equity Gap$149,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,359/mo$947,0002 bd · 3 ba · 1,714 sqft
110 ANASTASIA LODGE DR
Saint Augustine, FL 32080
1st Loan Balance$446,900
Est. Equity Gap$500,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,830/mo$510,0003 bd · 2 ba · 1,844 sqft
26 LEE DR
Saint Augustine, FL 32080
1st Loan Balance$319,500
Est. Equity Gap$190,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$14,888/mo$2,600,0005 bd · 6 ba · 4,671 sqft
308 S FOREST DUNE DR
Saint Augustine, FL 32080
1st Loan Balance$357,500
Est. Equity Gap$2,242,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,912/mo$799,0004 bd · 3 ba · 2,378 sqft
511 OCEAN MIST CT
Saint Augustine, FL 32080
1st Loan Balance$277,700
Est. Equity Gap$521,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,455/mo$595,0003 bd · 3 ba · 1,580 sqft
956 SALTWATER CIR
Saint Augustine, FL 32080
1st Loan Balance$506,000
Est. Equity Gap$89,000
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in St. Augustine, FL
Which loans are assumable in St. Augustine, FL?
All government-insured FHA, VA, and USDA residential mortgages in St. Augustineare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do St. Augustine buyers finance the equity gap?
If a home in St. Augustine 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 St. Augustine lenders so you only bring 5%–10% down.
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