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Assumable homes for sale in California

200 homesVA & FHA loansrates from 2.13% vs 7.18% today

California assumption guide
6528 Copper Smith Court, North Las Vegas, NV, 89084 — assumable FHA mortgage at 2.625%
FHA
Active
37
$430,000$156,028 equity gap
Rate
2.625%
7.18%today
Payment
$1,274/mo
$2,148today
  • 3beds
  • 3baths
  • 1,958sqft

6528 Copper Smith Court, North Las Vegas

224 Wewatta Avenue, Henderson, NV, 89011 — assumable VA mortgage at 5.50%
VA
Active
68
$385,000$24,439 equity gap
Rate
5.50%
7.18%today
Payment
$2,139/mo
$2,552today
  • 3beds
  • 3baths
  • 1,490sqft

224 Wewatta Avenue, Henderson

1909 High Valley Court #203, Las Vegas, NV, 89128 — assumable FHA mortgage at 6.25%
FHA
Active
28
$262,000$8,721 equity gap
Rate
6.25%
7.18%today
Payment
$1,581/mo
$1,740today
  • 2beds
  • 2baths
  • 1,008sqft

1909 High Valley Court #203, Las Vegas

2209 Summereve Court, San Jose, CA, 95122 — assumable VA mortgage at 2.71%
VATop pick
Active
14
$399,999$17,061 equity gap
Rate
2.71%
7.18%today
Payment
$1,771/mo
$2,954today
  • 1beds
  • 1baths
  • 512sqft

2209 Summereve Court, San Jose

10105 Shore Pine Avenue, Las Vegas, NV, 89129 — assumable FHA mortgage at 2.83%
FHATop pick
Active
25
$624,900Potential short sale
Rate
2.83%
7.18%today
Payment
$3,094/mo
$5,081today
  • 4beds
  • 4baths
  • 3,683sqft

10105 Shore Pine Avenue, Las Vegas

27258 Narrowleaf Willow Lane, Valencia, CA, 91381 — assumable VA mortgage at 2.90%
VATop pick
Active
22
$670,000Potential short sale
Rate
2.90%
7.18%today
Payment
$3,139/mo
$5,109today
  • 3beds
  • 3baths
  • 2,010sqft

27258 Narrowleaf Willow Lane, Valencia

17939 Highway 94, Dulzura, CA, 91917 — assumable VA mortgage at 2.90%
VATop pick
Active
40
$594,900$29,507 equity gap
Rate
2.90%
7.18%today
Payment
$2,622/mo
$4,268today
  • 3beds
  • 2baths
  • 2,116sqft

17939 Highway 94, Dulzura

2577 Arroyo Poco Ln, Boulevard, CA, 91905 — assumable FHA mortgage at 2.96%
FHATop pick
Active
38
$365,000$12,003 equity gap
Rate
2.96%
7.18%today
Payment
$1,674/mo
$2,704today
  • 3beds
  • 2baths
  • 1,492sqft

2577 Arroyo Poco Ln, Boulevard

2275 Del Mar #101, Corona, CA, 92882 — assumable FHA mortgage at 2.96%
FHATop pick
Active
16
$249,000$11,654 equity gap
Rate
2.96%
7.18%today
Payment
$1,149/mo
$1,856today
  • 1beds
  • 1baths
  • 735sqft

2275 Del Mar #101, Corona

5840 Almond Valley Way, Lancaster, CA, 93536 — assumable FHA mortgage at 3.10%
FHATop pick
Active
$460,000Potential short sale
Rate
3.10%
7.18%today
Payment
$2,182/mo
$3,462today
  • 4beds
  • 3baths
  • 2,050sqft

5840 Almond Valley Way, Lancaster

10127 Tumbling Tree Street, Las Vegas, NV, 89183 — assumable FHA mortgage at 3.10%
FHATop pick
Active
7
$320,000Potential short sale
Rate
3.10%
7.18%today
Payment
$1,504/mo
$2,386today
  • 3beds
  • 3baths
  • 1,510sqft

10127 Tumbling Tree Street, Las Vegas

550 15th St. #207, San Diego, CA, 92101 — assumable VA mortgage at 3.12%
VATop pick
Active
19
$363,900$16,294 equity gap
Rate
3.12%
7.18%today
Payment
$1,652/mo
$2,614today
  • —beds
  • 1baths
  • 526sqft

550 15th St. #207, San Diego

33200 Benner Street, Lake Elsinore, CA, 92530 — assumable VA mortgage at 3.12%
VATop pick
Active
39
$470,000$23,091 equity gap
Rate
3.12%
7.18%today
Payment
$2,124/mo
$3,361today
  • 3beds
  • 2baths
  • 1,699sqft

33200 Benner Street, Lake Elsinore

4812 Saturn Street, Los Angeles, CA, 90019 — assumable FHA mortgage at 3.21%
FHATop pick
Active
35
$2,074,000Potential short sale
Rate
3.21%
7.18%today
Payment
$10,825/mo
$16,936today
  • —beds
  • —baths
  • 5,263sqft

4812 Saturn Street, Los Angeles

15366 El Centro, Hesperia, CA, 92345 — assumable VA mortgage at 3.22%
VATop pick
Active
$450,000Potential short sale
Rate
3.22%
7.18%today
Payment
$2,211/mo
$3,455today
  • 4beds
  • 4baths
  • 2,863sqft

15366 El Centro, Hesperia

6750 Oak Hill Road, Oak Hills, CA, 92344 — assumable VA mortgage at 2.79%
VATop pick
Active
13
$530,000$51,636 equity gap
Rate
2.79%
7.18%today
Payment
$2,253/mo
$3,720today
  • 4beds
  • 3baths
  • 2,332sqft

6750 Oak Hill Road, Oak Hills

4816 Saturn Street, Los Angeles, CA, 90019 — assumable FHA mortgage at 2.83%
FHATop pick
Active
41
$2,114,000$240,372 equity gap
Rate
2.83%
7.18%today
Payment
$13,653/mo
$19,654today
  • —beds
  • —baths
  • 5,263sqft

4816 Saturn Street, Los Angeles

2824 Richmar Avenue, Henderson, NV, 89074 — assumable FHA mortgage at 2.83%
FHATop pick
Active
72
$799,888$62,673 equity gap
Rate
2.83%
7.18%today
Payment
$3,496/mo
$5,741today
  • 7beds
  • 4baths
  • 4,178sqft

2824 Richmar Avenue, Henderson

792 Grand Country Avenue, North Las Vegas, NV, 89086 — assumable FHA mortgage at 2.87%
FHATop pick
Active
49
$284,500$28,036 equity gap
Rate
2.87%
7.18%today
Payment
$1,199/mo
$1,959today
  • 3beds
  • 2baths
  • 1,781sqft

792 Grand Country Avenue, North Las Vegas

10079 Vibrant Moon Avenue, Las Vegas, NV, 89129 — assumable VA mortgage at 2.87%
VATop pick
Active
7
$350,000$31,817 equity gap
Rate
2.87%
7.18%today
Payment
$1,484/mo
$2,425today
  • 3beds
  • 3baths
  • 1,847sqft

10079 Vibrant Moon Avenue, Las Vegas

7258 Medley Lane, Fontana, CA, 92336 — assumable VA mortgage at 2.88%
VATop pick
Active
22
$620,000$54,798 equity gap
Rate
2.88%
7.18%today
Payment
$2,616/mo
$4,268today
  • 4beds
  • 3baths
  • 1,872sqft

7258 Medley Lane, Fontana

916 Amistad Ct #D, El Cajon, CA, 92019 — assumable VA mortgage at 2.96%
VATop pick
Active
17
$380,000$23,586 equity gap
Rate
2.96%
7.18%today
Payment
$1,690/mo
$2,730today
  • 2beds
  • 1baths
  • 945sqft

916 Amistad Ct #D, El Cajon

21903 Esaws, Apple Valley, CA, 92307 — assumable VA mortgage at 3.01%
VATop pick
Active
33
$299,000$23,432 equity gap
Rate
3.01%
7.18%today
Payment
$1,302/mo
$2,090today
  • 4beds
  • 2baths
  • 1,248sqft

21903 Esaws, Apple Valley

16066 Carrara Lane, Fontana, CA, 92336 — assumable VA mortgage at 3.05%
VATop pick
Active
66
$595,000$53,353 equity gap
Rate
3.05%
7.18%today
Payment
$2,549/mo
$4,070today
  • 3beds
  • 3baths
  • 1,759sqft

16066 Carrara Lane, Fontana

28232 Palm Villa Dr., Menifee, CA, 92584 — assumable VA mortgage at 3.05%
VATop pick
Active
28
$474,999$39,647 equity gap
Rate
3.05%
7.18%today
Payment
$2,049/mo
$3,271today
  • 3beds
  • 2baths
  • 1,299sqft

28232 Palm Villa Dr., Menifee

146 Starview Place, Boulder Creek, CA, 95006 — assumable FHA mortgage at 3.07%
FHATop pick
Active
12
$85,000Potential short sale
Rate
3.07%
7.18%today
Payment
$533/mo
$849today
  • —beds
  • —baths
  • 1,422sqft

146 Starview Place, Boulder Creek

5250 Rainbow Boulevard #2161, Las Vegas, NV, 89118 — assumable FHA mortgage at 3.07%
FHATop pick
Active
20
$200,000$18,513 equity gap
Rate
3.07%
7.18%today
Payment
$860/mo
$1,369today
  • 1beds
  • 1baths
  • 744sqft

5250 Rainbow Boulevard #2161, Las Vegas

7363 Hermosa, Yucca Valley, CA, 92284 — assumable FHA mortgage at 3.10%
FHATop pick
Active
18
$314,900$23,765 equity gap
Rate
3.10%
7.18%today
Payment
$1,384/mo
$2,195today
  • 2beds
  • 2baths
  • 1,255sqft

7363 Hermosa, Yucca Valley

1641 El Camino De Vida, Hollister, CA, 95023 — assumable VA mortgage at 3.10%
VATop pick
Active
54
$859,000$86,287 equity gap
Rate
3.10%
7.18%today
Payment
$3,672/mo
$5,826today
  • 4beds
  • 3baths
  • 2,553sqft

1641 El Camino De Vida, Hollister

6800 Elm Creek Drive #202, Las Vegas, NV, 89108 — assumable VA mortgage at 3.10%
VATop pick
Active
35
$225,000$17,739 equity gap
Rate
3.10%
7.18%today
Payment
$983/mo
$1,559today
  • 2beds
  • 2baths
  • 1,137sqft

6800 Elm Creek Drive #202, Las Vegas

3593 Cougar Canyon, Hemet, CA, 92545 — assumable VA mortgage at 3.12%
VATop pick
Active
13
$429,900$43,808 equity gap
Rate
3.12%
7.18%today
Payment
$1,835/mo
$2,904today
  • 3beds
  • 2baths
  • 1,336sqft

3593 Cougar Canyon, Hemet

1029 Spotted Saddle Street, Henderson, NV, 89015 — assumable VA mortgage at 3.14%
VATop pick
Active
40
$365,000$36,212 equity gap
Rate
3.14%
7.18%today
Payment
$1,573/mo
$2,456today
  • 3beds
  • 3baths
  • 1,650sqft

1029 Spotted Saddle Street, Henderson

61186 Sespe Street, Landers, CA, 92285 — assumable FHA mortgage at 3.45%
FHATop pick
Active
55
$395,000Potential short sale
Rate
3.45%
7.18%today
Payment
$1,941/mo
$2,947today
  • 3beds
  • 3baths
  • 1,676sqft

61186 Sespe Street, Landers

338 Magnolia Street, Compton, CA, 90220 — assumable FHA mortgage at 2.24%
FHA
Active
5
$885,000$164,633 equity gap
Rate
2.24%
7.18%today
Payment
$3,092/mo
$5,488today
  • —beds
  • —baths
  • 2,360sqft

338 Magnolia Street, Compton

4425 Oak Tree Way, Hemet, CA, 92545 — assumable VA mortgage at 2.49%
VA
Active
54
$600,000$104,343 equity gap
Rate
2.49%
7.18%today
Payment
$2,200/mo
$3,777today
  • 5beds
  • 3baths
  • 3,127sqft

4425 Oak Tree Way, Hemet

9054 Hilverson Avenue, Las Vegas, NV, 89148 — assumable FHA mortgage at 2.62%
FHA
Active
23
$363,500$45,304 equity gap
Rate
2.62%
7.18%today
Payment
$1,427/mo
$2,408today
  • 3beds
  • 3baths
  • 1,390sqft

9054 Hilverson Avenue, Las Vegas

Assuming a mortgage in California

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour. 3 of the 200 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.13%
Lowest existing payment
$533/mo
Median cash to assume
$76,699
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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