VA
Active
34$620,000$104,162 equity gap
- Rate
- 2.77%
7.18%today- Payment
- $2,374/mo
$3,929today
- 4beds
- 3baths
- 1,742sqft
Moorpark, California
Assumable homes for salein Moorpark, California.
2 homes in Moorpark carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Moorpark assumable market
by the numbers.
2active assumable listings
2.88%lowest locked rate
$772kmedian list price
$1,761saved per month vs. 7.2%
About the market
Assumable mortgagesin Moorpark, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Moorpark. Updated November 2026.
How assumptions work for buyersMoorpark, California has 2 homes for sale with an assumable mortgage as of November 2026: 2 FHA loans 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 Moorpark assumable listings start at 2.88% with a median of 3.06%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Moorpark lists for $772,250, with a median of $214,781 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,681 a month versus $4,441 for the same balance at today's rate, roughly $1,761 kept every month and $21,127 a year. The most active Moorpark ZIP codes are 93021 (2).
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 Moorpark assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Moorpark
View all 2 on the map Homes on the marketin Moorpark.
VA
Active
39$699,000$103,050 equity gap
- Rate
- 3.45%
7.18%today- Payment
- $2,931/mo
$4,449today
- 3beds
- 3baths
- 1,973sqft
142 Cherrywood Street, Fillmore
VA
Active
39$739,000$217,153 equity gap
- Rate
- 2.71%
7.18%today- Payment
- $2,437/mo
$4,065today
- 3beds
- 1baths
- 1,040sqft
807 Talbert Avenue, Simi Valley
FHA
Active
26$865,000$194,518 equity gap
- Rate
- 2.88%
7.18%today- Payment
- $3,124/mo
$5,097today
- 4beds
- 3baths
- 2,284sqft
4248 Riverglen Street, Moorpark
FHA
Active
36$629,000$23,228 equity gap
- Rate
- 4.12%
7.18%today- Payment
- $2,972/mo
$4,157today
- 3beds
- 3baths
- 1,692sqft
130 Yellow Birch Lane, Piru
VA
Active
34$450,000$110,987 equity gap
- Rate
- 3.33%
7.18%today- Payment
- $1,727/mo
$2,661today
- 2beds
- 1baths
- 956sqft
569 Rio Grande Circle, Thousand Oaks
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 Moorpark.
Live counts from the MLS feeds we index for California. Updated November 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 3.06%
- Median list price
- $772,250
- Median cash to assume
- $214,781
Moorpark listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Moorpark listings by loan type
- FHA2 homesmedian 3.06%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Moorpark ZIP code.
Each ZIP opens the Moorpark map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Moorpark numbers
What an assumable ratedoes to a Moorpark payment.
The sliders start at the median Moorpark assumable listing: $772,250 list price and a 3.06% 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)$215,000
28% 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 Moorpark
$2,579/mo
New loan at 7.20%$3,767
Assumed at 3.05%
$2,579
Every month$1,189
Over five years$71,323
Interest you never pay$551,70826-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 Moorpark listing on UMe shows the actual balance, rate, and payment.
How it works in Moorpark
How to assumea mortgage in Moorpark.
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 a Moorpark home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Moorpark 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, a median of $214,781 in Moorpark today. 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 a Moorpark payment written in a different decade.
Moorpark questions
Assuming a mortgagein Moorpark.
The numbers below come from current Moorpark inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Moorpark?
As of November 2026, UMe tracks 2 active assumable listings in Moorpark. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Moorpark?
Current Moorpark inventory breaks down as FHA (2, median 3.06%). 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 Moorpark?
The lowest rate on an active Moorpark assumable listing is 2.88%, and the median across all 2 listings is 3.06%. 2 listings are under 4% and 2 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 Moorpark?
Across current Moorpark listings, the median principal-and-interest payment on the assumable loan is $2,681 per month versus $4,441 for the same balance at today's rates, a difference of about $1,761 every month, or $21,127 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Moorpark?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Moorpark that gap is currently a median of $214,781 on a median list price of $772,250. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Moorpark ZIP codes have the most assumable homes?
The Moorpark ZIP codes with the most active assumable listings are 93021 (2). 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 Moorpark?
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 California More assumable homesin California.
Ready when you are
Stop overpaying for Moorpark.The rate is already on the house.
Every listing on the Moorpark map has a rate you can take over. Start with the ones in Moorpark, get pre-qualified in minutes, and let UMe carry the assumption to closing.