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Assumable homes for sale in Carlsbad, CA

75 homesVA & FHA loansrates from 2.71% vs 7.18% today

Carlsbad assumption guide
1967 Spanish Oak Way, Vista, CA, 92081 — assumable VA mortgage at 2.86%
VA
Active
34
$1,050,000$266,469 equity gap
Rate
2.86%
7.18%today
Payment
$3,642/mo
$5,958today
  • 3beds
  • 3baths
  • 1,665sqft

1967 Spanish Oak Way, Vista

1525 Wildgrove Ave, Vista, CA, 92081 — assumable VA mortgage at 2.94%
VA
Active
37
$935,000$238,463 equity gap
Rate
2.94%
7.18%today
Payment
$3,296/mo
$5,337today
  • 3beds
  • 3baths
  • 1,822sqft

1525 Wildgrove Ave, Vista

1214 Ditmar St, Oceanside, CA, 92054 — assumable VA mortgage at 2.96%
VA
Active
31
$1,695,000$427,433 equity gap
Rate
2.96%
7.18%today
Payment
$5,998/mo
$9,687today
  • —beds
  • —baths
  • —sqft

1214 Ditmar St, Oceanside

542 Beverly Place, San Marcos, CA, 92078 — assumable FHA mortgage at 3.89%
FHA
Active
29
$505,000$69,371 equity gap
Rate
3.89%
7.18%today
Payment
$2,242/mo
$3,225today
  • 2beds
  • 2baths
  • 1,068sqft

542 Beverly Place, San Marcos

835 Dana Point Way, Oceanside, CA, 92058 — assumable VA mortgage at 2.71%
VA
Active
30
$499,000$157,336 equity gap
Rate
2.71%
7.18%today
Payment
$1,595/mo
$2,661today
  • 2beds
  • 2baths
  • 1,104sqft

835 Dana Point Way, Oceanside

6617 Spartina Ct, Carlsbad, CA, 92011 — assumable VA mortgage at 2.88%
VA
Active
53
$1,724,000$605,117 equity gap
Rate
2.88%
7.18%today
Payment
$5,213/mo
$8,506today
  • 5beds
  • 5baths
  • 2,786sqft

6617 Spartina Ct, Carlsbad

1164 Madera Lane, Vista, CA, 92084 — assumable VA mortgage at 2.71%
VA
Active
24
$474,999$202,955 equity gap
Rate
2.71%
7.18%today
Payment
$1,273/mo
$2,124today
  • 2beds
  • 2baths
  • 972sqft

1164 Madera Lane, Vista

1159 Elfin Forest, San Marcos, CA, 92078 — assumable FHA mortgage at 2.73%
FHA
Active
37
$749,988$340,838 equity gap
Rate
2.73%
7.18%today
Payment
$1,910/mo
$3,178today
  • 2beds
  • 3baths
  • 1,480sqft

1159 Elfin Forest, San Marcos

4025 Ivey Vista Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.77%
VA
Active
35
$850,000$529,430 equity gap
Rate
2.77%
7.18%today
Payment
$1,475/mo
$2,442today
  • 3beds
  • 3baths
  • 1,438sqft

4025 Ivey Vista Way, Oceanside

2787 Thunder Dr, Oceanside, CA, 92056 — assumable VA mortgage at 2.81%
VA
Active
42
$760,000$526,047 equity gap
Rate
2.81%
7.18%today
Payment
$1,099/mo
$1,810today
  • 4beds
  • 2baths
  • 1,456sqft

2787 Thunder Dr, Oceanside

2260 Panoramic Way, Vista, CA, 92084 — assumable VA mortgage at 2.81%
VA
Active
70
$2,200,000$1,126,354 equity gap
Rate
2.81%
7.18%today
Payment
$5,105/mo
$8,405today
  • 4beds
  • 6baths
  • 4,476sqft

2260 Panoramic Way, Vista

3350 Descanso Ave., San Marcos, CA, 92078 — assumable VA mortgage at 2.86%
VA
Active
40
$1,800,000$1,238,481 equity gap
Rate
2.86%
7.18%today
Payment
$2,691/mo
$4,402today
  • 4beds
  • 3baths
  • 2,023sqft

3350 Descanso Ave., San Marcos

1870 Turnberry Drive, Vista, CA, 92081 — assumable VA mortgage at 2.87%
VA
Active
32
$849,000$510,458 equity gap
Rate
2.87%
7.18%today
Payment
$1,575/mo
$2,574today
  • 2beds
  • 2baths
  • 1,231sqft

1870 Turnberry Drive, Vista

1039 Plover Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.90%
VA
Active
26
$505,000$230,896 equity gap
Rate
2.90%
7.18%today
Payment
$1,280/mo
$2,083today
  • 2beds
  • 2baths
  • 1,050sqft

1039 Plover Way, Oceanside

1696 Gil Way, Vista, CA, 92084 — assumable VA mortgage at 2.90%
VA
Active
44
$1,999,000$989,886 equity gap
Rate
2.90%
7.18%today
Payment
$4,833/mo
$7,866today
  • 6beds
  • 6baths
  • 5,120sqft

1696 Gil Way, Vista

1050 La Tortuga Drive #40, Vista, CA, 92081 — assumable VA mortgage at 2.90%
VA
Active
27
$479,999$242,707 equity gap
Rate
2.90%
7.18%today
Payment
$1,116/mo
$1,816today
  • 2beds
  • 2baths
  • 874sqft

1050 La Tortuga Drive #40, Vista

3208 Silver Ridge Court, Oceanside, CA, 92058 — assumable VA mortgage at 2.94%
VA
Active
19
$1,389,950$570,420 equity gap
Rate
2.94%
7.18%today
Payment
$3,878/mo
$6,280today
  • 4beds
  • 4baths
  • 2,851sqft

3208 Silver Ridge Court, Oceanside

1884 Autumn, Vista, CA, 92084 — assumable VA mortgage at 2.96%
VA
Active
48
$1,349,000$614,411 equity gap
Rate
2.96%
7.18%today
Payment
$3,492/mo
$5,640today
  • 5beds
  • 3baths
  • 3,277sqft

1884 Autumn, Vista

2424 Papyrus Ct., Oceanside, CA, 92054 — assumable VA mortgage at 2.99%
VA
Active
71
$1,540,000$1,098,698 equity gap
Rate
2.99%
7.18%today
Payment
$2,149/mo
$3,458today
  • 4beds
  • 3baths
  • 2,366sqft

2424 Papyrus Ct., Oceanside

477 Rancho Vista, Vista, CA, 92083 — assumable VA mortgage at 2.99%
VA
Active
22
$870,000$605,551 equity gap
Rate
2.99%
7.18%today
Payment
$1,244/mo
$2,002today
  • 3beds
  • 2baths
  • 1,344sqft

477 Rancho Vista, Vista

81 Seagull Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$365,000$365,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,248sqft

81 Seagull Lane, Oceanside

201 Diamond Way #222, Vista, CA, 92083 — assumable VA mortgage at 3.00%
VA
Active
34
$535,000$535,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,116sqft

201 Diamond Way #222, Vista

509 Calle Montecito #42, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
37
$350,000$350,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 806sqft

509 Calle Montecito #42, Oceanside

2007 Silverado Street, San Marcos, CA, 92078 — assumable VA mortgage at 3.00%
VA
Active
31
$735,000$735,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,570sqft

2007 Silverado Street, San Marcos

176 Flicker Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$325,500$325,500 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,164sqft

176 Flicker Lane, Oceanside

4306 Horizon Drive, Carlsbad, CA, 92008 — assumable VA mortgage at 3.13%
VA
Active
41
$2,150,000$1,520,515 equity gap
Rate
3.13%
7.18%today
Payment
$3,118/mo
$4,928today
  • 4beds
  • 3baths
  • 2,033sqft

4306 Horizon Drive, Carlsbad

2885 Sanford Ln, Carlsbad, CA, 92010 — assumable VA mortgage at 3.24%
VA
Active
26
$935,000$515,552 equity gap
Rate
3.24%
7.18%today
Payment
$2,102/mo
$3,276today
  • 3beds
  • 3baths
  • 1,693sqft

2885 Sanford Ln, Carlsbad

1474 Rancho Rose Way #42, Oceanside, CA, 92057 — assumable VA mortgage at 3.35%
VA
Active
29
$658,888$559,582 equity gap
Rate
3.35%
7.18%today
Payment
$656/mo
$1,008today
  • 3beds
  • 3baths
  • 1,379sqft

1474 Rancho Rose Way #42, Oceanside

1164 Via Lucero, Oceanside, CA, 92056 — assumable FHA mortgage at 3.69%
FHA
Active
45
$775,000$277,211 equity gap
Rate
3.69%
7.18%today
Payment
$2,654/mo
$3,911today
  • 4beds
  • 4baths
  • 1,824sqft

1164 Via Lucero, Oceanside

4675 Caneel Bay Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.45%
VA
Active
46
$1,090,000$554,370 equity gap
Rate
3.45%
7.18%today
Payment
$2,769/mo
$4,203today
  • 4beds
  • 3baths
  • 2,622sqft

4675 Caneel Bay Court, Oceanside

914 Tempera Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.48%
VA
Active
45
$899,000$406,538 equity gap
Rate
3.48%
7.18%today
Payment
$2,553/mo
$3,861today
  • 4beds
  • 3baths
  • 2,077sqft

914 Tempera Court, Oceanside

2299 San Remo Circle, Vista, CA, 92084 — assumable FHA mortgage at 4.98%
FHA
Active
11
$660,000$71,074 equity gap
Rate
4.98%
7.18%today
Payment
$3,391/mo
$4,289today
  • 2beds
  • 2baths
  • 1,040sqft

2299 San Remo Circle, Vista

5533 Old Ranch Rd #52, Oceanside, CA, 92057 — assumable VA mortgage at 3.52%
VA
Active
32
$629,000$456,652 equity gap
Rate
3.52%
7.18%today
Payment
$993/mo
$1,494today
  • 3beds
  • 3baths
  • 1,365sqft

5533 Old Ranch Rd #52, Oceanside

846 DANA POINT Way, Oceanside, CA, 92058 — assumable VA mortgage at 3.54%
VA
Active
34
$532,500$459,607 equity gap
Rate
3.54%
7.18%today
Payment
$483/mo
$725today
  • 2beds
  • 2baths
  • 1,104sqft

846 DANA POINT Way, Oceanside

4925 Siesta Drive, Oceanside, CA, 92057 — assumable VA mortgage at 3.56%
VA
Active
41
$739,900$554,085 equity gap
Rate
3.56%
7.18%today
Payment
$1,087/mo
$1,627today
  • 3beds
  • 2baths
  • 1,496sqft

4925 Siesta Drive, Oceanside

346 Riverview Way, Oceanside, CA, 92057 — assumable FHA mortgage at 4.43%
FHA
Active
13
$529,900$145,820 equity gap
Rate
4.43%
7.18%today
Payment
$3,725/mo
$4,447today
  • 2beds
  • 2baths
  • 1,010sqft

346 Riverview Way, Oceanside

Assuming a mortgage in Carlsbad

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.

Lowest existing rate
2.71%
Lowest existing payment
$483/mo
Median cash to assume
$365,000
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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