1065 SIGNET Drive, Apollo Beach, FL 33572
Apollo Beach, FL 33572
This 4 bed, 3 bath home, built in 2024, at 1065 SIGNET Drive in Apollo Beach, FL 33572 is listed at $589,900 with a VA loan at 6.72% and $610,126 remaining. The listing is published by UMe and was last confirmed on October 12, 2026.
Property facts
- Asking price
- $589,900
- Bedrooms
- 4
- Bathrooms
- 3
- Square feet
- 2,359
- Year built
- 2024
- Type
- home
- First seen
- October 2, 2026
- Last confirmed
- October 12, 2026
The assumable loan
- Interest rate
- 6.72%
- Remaining balance
- $610,126
- Loan type
- VA
The published loan balance is $20,226 more than the asking price. On these figures a sale at the asking price would not cover the loan. Both numbers come from the source listing and are worth confirming there before relying on either. How much cash an assumption needs
Estimated monthly principal and interest
| Assuming this loan at 6.72% | $4,204 |
| Same balance as a new loan at 7.46% | $4,493 |
| Difference each month | $289 lower |
Over 25 years that difference adds up to about $86,710. These figures assume 25 years remaining and a 7.46% comparison rate, because the source did not publish the remaining term. They cover principal and interest only, not taxes, insurance, HOA dues, or mortgage insurance.
What assuming a VA loan involves
A VA loan can be assumed by a buyer who does not have military service, as long as the loan servicer approves them. The servicer reviews credit, income and debts in much the same way a new lender would, and the review usually takes several weeks.
The buyer takes over the existing balance at the existing rate. The difference between the asking price and that balance is paid with cash or a second loan, which is why a listing with a large gap can be harder to assume than the rate alone suggests.
The seller's VA entitlement stays tied to the loan unless the buyer is an eligible veteran who substitutes their own. That matters to the seller, and it can affect how open they are to a non-veteran assumption.
A funding fee of 0.5 percent of the loan balance normally applies to the buyer, with exemptions for certain disability ratings.
Local guide
VA Assumable Homes in Tampa, FLMacDill Air Force Base sits four miles from downtown. Florida's stamp tax on assumptions, the Save Our Homes reset, and coastal insurance shape every deal.
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Educational information only. This article is general information about how mortgage assumptions work, it is not financial, legal, lending, or tax advice. Loan terms, fees, and rules vary by lender, loan servicer, and state, and can change over time. Confirm the specifics of your situation with the appropriate licensed professionals.