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Assumable homes for sale in La Jolla, CA

61 homesVA & FHA loansrates from 2.25% vs 7.18% today

La Jolla assumption guide
6131 Rancho Mission Road #116, San Diego, CA, 92108 — assumable VA mortgage at 2.99%
VA
Active
20
$330,000$50,932 equity gap
Rate
2.99%
7.18%today
Payment
$1,356/mo
$2,181today
  • 1beds
  • 1baths
  • 680sqft

6131 Rancho Mission Road #116, San Diego

9895 Scripps Westview Way #149, San Diego, CA, 92131 — assumable VA mortgage at 2.25%
VA
Active
24
$539,000$134,541 equity gap
Rate
2.25%
7.18%today
Payment
$1,742/mo
$3,088today
  • 2beds
  • 1baths
  • 942sqft

9895 Scripps Westview Way #149, San Diego

4855 Cole Street #29, San Diego, CA, 92117 — assumable VA mortgage at 2.86%
VA
Active
25
$410,000$113,832 equity gap
Rate
2.86%
7.18%today
Payment
$1,419/mo
$2,322today
  • 2beds
  • 2baths
  • 874sqft

4855 Cole Street #29, San Diego

3238 Ashford Street #D, San Diego, CA, 92111 — assumable VA mortgage at 3.06%
VA
Active
34
$439,000$114,145 equity gap
Rate
3.06%
7.18%today
Payment
$1,565/mo
$2,495today
  • 2beds
  • 1baths
  • 716sqft

3238 Ashford Street #D, San Diego

7227 Camino Degrazia #61, San Diego, CA, 92111 — assumable VA mortgage at 3.09%
VA
Active
28
$599,000$164,186 equity gap
Rate
3.09%
7.18%today
Payment
$2,106/mo
$3,345today
  • 3beds
  • 2baths
  • 1,271sqft

7227 Camino Degrazia #61, San Diego

5845 Friars Rd #1408, San Diego, CA, 92110 — assumable FHA mortgage at 2.78%
FHA
Active
40
$485,000$188,174 equity gap
Rate
2.78%
7.18%today
Payment
$1,377/mo
$2,276today
  • 1beds
  • 2baths
  • 959sqft

5845 Friars Rd #1408, San Diego

10715 Caminito Cascara, San Diego, CA, 92108 — assumable VA mortgage at 2.86%
VA
Active
35
$649,999$246,414 equity gap
Rate
2.86%
7.18%today
Payment
$1,934/mo
$3,164today
  • 3beds
  • 2baths
  • 1,334sqft

10715 Caminito Cascara, San Diego

6615 Canyon Rim Row #160, San Diego, CA, 92111 — assumable VA mortgage at 2.93%
VA
Active
20
$519,000$207,240 equity gap
Rate
2.93%
7.18%today
Payment
$1,505/mo
$2,440today
  • 1beds
  • 1baths
  • 840sqft

6615 Canyon Rim Row #160, San Diego

5806 Mission Center Rd #B, San Diego, CA, 92123 — assumable VA mortgage at 2.93%
VA
Active
17
$699,000$240,265 equity gap
Rate
2.93%
7.18%today
Payment
$2,215/mo
$3,590today
  • 2beds
  • 2baths
  • 1,248sqft

5806 Mission Center Rd #B, San Diego

3454 Castle Glen Dr #151, San Diego, CA, 92123 — assumable VA mortgage at 2.66%
VA
Active
36
$449,900$254,415 equity gap
Rate
2.66%
7.18%today
Payment
$908/mo
$1,524today
  • 2beds
  • 2baths
  • 885sqft

3454 Castle Glen Dr #151, San Diego

3830 Elijah #426, San Diego, CA, 92130 — assumable FHA mortgage at 2.72%
FHA
Active
48
$799,000$381,745 equity gap
Rate
2.72%
7.18%today
Payment
$1,955/mo
$3,257today
  • 2beds
  • 2baths
  • 1,102sqft

3830 Elijah #426, San Diego

2925 Mission Village, San Diego, CA, 92123 — assumable VA mortgage at 2.78%
VA
Active
28
$950,000$407,337 equity gap
Rate
2.78%
7.18%today
Payment
$2,559/mo
$4,231today
  • 3beds
  • 2baths
  • 1,200sqft

2925 Mission Village, San Diego

4430 Cape May Ave, San Diego, CA, 92107 — assumable VA mortgage at 2.93%
VA
Active
74
$2,795,000$2,079,009 equity gap
Rate
2.93%
7.18%today
Payment
$3,456/mo
$5,604today
  • 6beds
  • 5baths
  • 3,602sqft

4430 Cape May Ave, San Diego

1621 Hotel Circle #E231, San Diego, CA, 92108 — assumable VA mortgage at 3.00%
VA
Active
50
$514,900$514,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 950sqft

1621 Hotel Circle #E231, San Diego

9909 Scripps Westview Way #212, San Diego, CA, 92131 — assumable VA mortgage at 3.00%
VA
Active
20
$500,000$500,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 942sqft

9909 Scripps Westview Way #212, San Diego

3550 Lebon Dr #6306, San Diego, CA, 92122 — assumable VA mortgage at 3.00%
VA
Active
30
$649,900$649,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 956sqft

3550 Lebon Dr #6306, San Diego

4338 Montalvo 3, San Diego, CA, 92107 — assumable VA mortgage at 3.00%
VA
Active
33
$575,000$575,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 695sqft

4338 Montalvo 3, San Diego

4143 Mount Alifan Pl #E, San Diego, CA, 92111 — assumable VA mortgage at 3.00%
VA
Active
37
$525,000$525,000 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,108sqft

4143 Mount Alifan Pl #E, San Diego

2676 Worden St #61, San Diego, CA, 92110 — assumable VA mortgage at 3.05%
VA
Active
46
$699,000$327,676 equity gap
Rate
3.05%
7.18%today
Payment
$1,791/mo
$2,859today
  • 2beds
  • 2baths
  • 976sqft

2676 Worden St #61, San Diego

10225 Caminito Cuervo #140, San Diego, CA, 92108 — assumable FHA mortgage at 3.17%
FHA
Active
47
$559,000$514,092 equity gap
Rate
3.17%
7.18%today
Payment
$978/mo
$1,272today
  • 2beds
  • 2baths
  • 1,037sqft

10225 Caminito Cuervo #140, San Diego

4619 Central, San Diego, CA, 92123 — assumable VA mortgage at 3.50%
VA
Active
40
$775,000$255,376 equity gap
Rate
3.50%
7.18%today
Payment
$2,687/mo
$4,054today
  • 3beds
  • 3baths
  • 1,438sqft

4619 Central, San Diego

2636 Worden St #107, San Diego, CA, 92110 — assumable FHA mortgage at 3.24%
FHA
Active
43
$495,000$251,626 equity gap
Rate
3.24%
7.18%today
Payment
$1,222/mo
$1,905today
  • 2beds
  • 1baths
  • 798sqft

2636 Worden St #107, San Diego

680 Camino De La Reina #2201, San Diego, CA, 92108 — assumable VA mortgage at 5.10%
VA
Active
39
$649,000$28,610 equity gap
Rate
5.10%
7.18%today
Payment
$3,610/mo
$4,505today
  • 2beds
  • 2baths
  • 1,017sqft

680 Camino De La Reina #2201, San Diego

4879 Haight Terrace, San Diego, CA, 92123 — assumable VA mortgage at 3.37%
VA
Active
43
$685,000$530,816 equity gap
Rate
3.37%
7.18%today
Payment
$2,494/mo
$3,199today
  • 2beds
  • 2baths
  • 1,008sqft

4879 Haight Terrace, San Diego

10480 Greenford Drive, San Diego, CA, 92126 — assumable FHA mortgage at 3.49%
FHA
Active
21
$1,490,000$1,068,328 equity gap
Rate
3.49%
7.18%today
Payment
$2,209/mo
$3,336today
  • 4beds
  • 4baths
  • 2,008sqft

10480 Greenford Drive, San Diego

4449 Via Precipicio, San Diego, CA, 92122 — assumable VA mortgage at 3.50%
VA
Active
48
$1,049,000$1,049,000 equity gap
Rate
3.50%
7.18%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,533sqft

4449 Via Precipicio, San Diego

3650 5Th Avenue #506, San Diego, CA, 92103 — assumable VA mortgage at 3.50%
VA
Active
24
$700,000$700,000 equity gap
Rate
3.50%
7.18%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,055sqft

3650 5Th Avenue #506, San Diego

11322 Surco Dr, San Diego, CA, 92126 — assumable VA mortgage at 3.57%
VA
Active
43
$1,200,000$958,651 equity gap
Rate
3.57%
7.18%today
Payment
$3,003/mo
$3,799today
  • 4beds
  • 3baths
  • 2,587sqft

11322 Surco Dr, San Diego

2958 Escala Circle, San Diego, CA, 92108 — assumable VA mortgage at 3.76%
VA
Active
21
$775,000$510,560 equity gap
Rate
3.76%
7.18%today
Payment
$1,610/mo
$2,353today
  • 3beds
  • 3baths
  • 1,279sqft

2958 Escala Circle, San Diego

8595 Jade Coast, San Diego, CA, 92126 — assumable FHA mortgage at 3.78%
FHA
Active
2
$974,000$681,751 equity gap
Rate
3.78%
7.18%today
Payment
$1,821/mo
$2,653today
  • 3beds
  • 2baths
  • 744sqft

8595 Jade Coast, San Diego

3050 Rue D'Orleans #380, San Diego, CA, 92110 — assumable FHA mortgage at 5.30%
FHA
Active
25
$405,000$54,562 equity gap
Rate
5.30%
7.18%today
Payment
$2,075/mo
$2,531today
  • 1beds
  • 1baths
  • 547sqft

3050 Rue D'Orleans #380, San Diego

3431 Park Blvd #202, San Diego, CA, 92103 — assumable VA mortgage at 4.01%
VA
Active
36
$699,900$447,012 equity gap
Rate
4.01%
7.18%today
Payment
$1,625/mo
$2,303today
  • 2beds
  • 2baths
  • 955sqft

3431 Park Blvd #202, San Diego

9709 Mesa Springs Way #211, San Diego, CA, 92126 — assumable FHA mortgage at 4.05%
FHA
Active
43
$625,000$541,314 equity gap
Rate
4.05%
7.18%today
Payment
$528/mo
$745today
  • 2beds
  • 2baths
  • 1,041sqft

9709 Mesa Springs Way #211, San Diego

6333 Mount Ada Rd #279, San Diego, CA, 92111 — assumable VA mortgage at 6.60%
VA
Active
28
$369,000Potential short sale
Rate
6.60%
7.18%today
Payment
$2,542/mo
$2,697today
  • 1beds
  • 1baths
  • 584sqft

6333 Mount Ada Rd #279, San Diego

7988 Mission Center Court #H, San Diego, CA, 92108 — assumable FHA mortgage at 6.69%
FHA
Active
33
$449,000Potential short sale
Rate
6.69%
7.18%today
Payment
$3,129/mo
$3,288today
  • 2beds
  • 1baths
  • 972sqft

7988 Mission Center Court #H, San Diego

10541 Caminito Pollo, San Diego, CA, 92126 — assumable VA mortgage at 6.93%
VA
Active
47
$729,999Potential short sale
Rate
6.93%
7.18%today
Payment
$4,881/mo
$5,006today
  • 3beds
  • 2baths
  • 1,239sqft

10541 Caminito Pollo, San Diego

Assuming a mortgage in La Jolla

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
2.25%
Lowest existing payment
$522/mo
Median cash to assume
$361,438
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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