Assumable homes in Miami-Dade County, Florida
Miami-Dade County, Florida holds 25,303 government-backed home loans from 2020-2024 in our data. Of those, 12,237 are prime loans at a rate of 4% or under. We estimate about 7,945 are still in place.
Last updated November 10, 2026
- Government loans tracked (2020-2024)
- 25,303
- Prime loans at 4% or under
- 12,237
- Prime loans still in place (estimated)
- ~7,945
Data updated November 10, 2026. Loan figures are estimates from public records unless a source is named.
Prime vintage cards — median figures, all estimated
Each card shows the median loan for that vintage and program. Every figure below is an estimate from public records.
| Vintage | Program | Loans | Median rate | Median payment | Est. balance | Years left | Est. monthly savings |
|---|---|---|---|---|---|---|---|
| 2020 | FHA | 6,028 | 3.13% | $1,307/mo | $265,106 | 24.1 yrs | $516/mo |
| 2020 | USDA | 2 | 3.50% | $1,953/mo | $381,082 | 24.1 yrs | $667/mo |
| 2020 | VA | 779 | 3% | $1,539/mo | $316,404 | 24.1 yrs | $637/mo |
| 2021 | FHA | 5,340 | 3% | $1,412/mo | $298,502 | 25.1 yrs | $640/mo |
| 2021 | VA | 834 | 2.75% | $1,653/mo | $359,239 | 25.1 yrs | $817/mo |
Average estimated savings across this county's prime loans: $594/mo.
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