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Assumable homes for sale in Rancho Santa Margarita, CA

52 homesFHA & VA loansrates from 2.72% vs 7.18% today

Rancho Santa Margarita assumption guide
174 Denali, Lake Forest, CA, 92630 — assumable VA mortgage at 2.76%
VA
Active
48
$1,428,888$539,488 equity gap
Rate
2.76%
7.18%today
Payment
$4,098/mo
$6,791today
  • 4beds
  • 4baths
  • 2,401sqft

174 Denali, Lake Forest

26420 Plumcot Drive, Corona, CA, 92883 — assumable VA mortgage at 2.77%
VA
Active
24
$999,999$386,705 equity gap
Rate
2.77%
7.18%today
Payment
$2,883/mo
$4,771today
  • 6beds
  • 5baths
  • 4,133sqft

26420 Plumcot Drive, Corona

21946 Lakeland, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.91%
FHA
Active
45
$690,000$247,212 equity gap
Rate
2.91%
7.18%today
Payment
$2,128/mo
$3,459today
  • 3beds
  • 2baths
  • 1,392sqft

21946 Lakeland, Lake Forest

42 Bayley, Ladera Ranch, CA, 92694 — assumable VA mortgage at 2.95%
VA
Active
33
$899,000$284,204 equity gap
Rate
2.95%
7.18%today
Payment
$2,913/mo
$4,710today
  • 3beds
  • 3baths
  • 1,560sqft

42 Bayley, Ladera Ranch

125 Poppyseed, Irvine, CA, 92618 — assumable VA mortgage at 3.55%
VA
Active
20
$1,820,000$492,395 equity gap
Rate
3.55%
7.18%today
Payment
$6,574/mo
$9,857today
  • 4beds
  • 4baths
  • 2,475sqft

125 Poppyseed, Irvine

21128 Gladiolos, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.09%
FHA
Active
18
$475,000$180,128 equity gap
Rate
3.09%
7.18%today
Payment
$1,406/mo
$2,233today
  • 1beds
  • 1baths
  • 789sqft

21128 Gladiolos, Lake Forest

27322 Via Rioja, Mission Viejo, CA, 92691 — assumable VA mortgage at 3.11%
VA
Active
37
$1,699,000$598,091 equity gap
Rate
3.11%
7.18%today
Payment
$5,215/mo
$8,263today
  • 4beds
  • 3baths
  • 2,230sqft

27322 Via Rioja, Mission Viejo

2 Primula, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.72%
FHA
Active
35
$689,000$421,273 equity gap
Rate
2.72%
7.18%today
Payment
$1,255/mo
$2,090today
  • 2beds
  • 2baths
  • 1,024sqft

2 Primula, Rancho Santa Margarita

11 Barbados Drive, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.77%
VA
Active
57
$1,140,000$506,468 equity gap
Rate
2.77%
7.18%today
Payment
$2,929/mo
$4,848today
  • 3beds
  • 3baths
  • 1,561sqft

11 Barbados Drive, Aliso Viejo

27711 Golondrina, Mission Viejo, CA, 92692 — assumable FHA mortgage at 2.77%
FHA
Active
23
$1,239,000$684,117 equity gap
Rate
2.77%
7.18%today
Payment
$2,565/mo
$4,246today
  • 3beds
  • 2baths
  • 1,470sqft

27711 Golondrina, Mission Viejo

26511 Summer Creek Creek, Lake Forest, CA, 92630 — assumable VA mortgage at 2.78%
VA
Active
65
$1,499,900$645,238 equity gap
Rate
2.78%
7.18%today
Payment
$3,947/mo
$6,524today
  • 4beds
  • 3baths
  • 2,449sqft

26511 Summer Creek Creek, Lake Forest

21121 Calle De Paseo, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.81%
FHA
Active
41
$799,900$326,248 equity gap
Rate
2.81%
7.18%today
Payment
$2,252/mo
$3,708today
  • 2beds
  • 3baths
  • 1,358sqft

21121 Calle De Paseo, Lake Forest

156 Alienta, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 2.81%
FHA
Active
41
$824,900$338,573 equity gap
Rate
2.81%
7.18%today
Payment
$2,285/mo
$3,762today
  • 3beds
  • 3baths
  • 1,223sqft

156 Alienta, Rancho Mission Viejo

48 Calle Del Norte, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.83%
FHA
Active
54
$1,149,999$516,900 equity gap
Rate
2.83%
7.18%today
Payment
$3,009/mo
$4,942today
  • 3beds
  • 3baths
  • 2,195sqft

48 Calle Del Norte, Rancho Santa Margarita

72 Sandcastle, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.96%
VA
Active
58
$719,900$306,433 equity gap
Rate
2.96%
7.18%today
Payment
$1,965/mo
$3,174today
  • 2beds
  • 2baths
  • 1,142sqft

72 Sandcastle, Aliso Viejo

28149 Manchuca, Mission Viejo, CA, 92692 — assumable VA mortgage at 2.98%
VA
Active
75
$979,999$519,495 equity gap
Rate
2.98%
7.18%today
Payment
$2,179/mo
$3,510today
  • 2beds
  • 2baths
  • 1,527sqft

28149 Manchuca, Mission Viejo

26392 Cortina Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 2.99%
VA
Active
55
$1,250,000$588,124 equity gap
Rate
2.99%
7.18%today
Payment
$3,223/mo
$5,186today
  • 4beds
  • 2baths
  • 1,924sqft

26392 Cortina Drive, Mission Viejo

87 Fuente, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.00%
FHA
Active
36
$999,900$999,900 equity gap
Rate
3.00%
7.18%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,687sqft

87 Fuente, Rancho Santa Margarita

161 Working Ranch, Irvine, CA, 92602 — assumable FHA mortgage at 3.11%
FHA
Active
48
$1,299,990$618,777 equity gap
Rate
3.11%
7.18%today
Payment
$3,241/mo
$5,135today
  • 3beds
  • 4baths
  • 1,809sqft

161 Working Ranch, Irvine

25933 Via Pera #A3, Mission Viejo, CA, 92691 — assumable FHA mortgage at 3.15%
FHA
Active
27
$599,999$256,575 equity gap
Rate
3.15%
7.18%today
Payment
$1,709/mo
$2,694today
  • 2beds
  • 2baths
  • 1,024sqft

25933 Via Pera #A3, Mission Viejo

28 Pica Flor #44 #44, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 3.45%
VA
Active
25
$499,000$270,999 equity gap
Rate
3.45%
7.18%today
Payment
$1,316/mo
$1,998today
  • 2beds
  • 2baths
  • 882sqft

28 Pica Flor #44 #44, Rancho Santa Margarita

12 Willowbrook Ln, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.64%
FHA
Active
15
$1,020,000$449,674 equity gap
Rate
3.64%
7.18%today
Payment
$3,033/mo
$4,497today
  • 3beds
  • 3baths
  • 1,470sqft

12 Willowbrook Ln, Rancho Santa Margarita

3 Sanctuary Lane, Mission Viejo, CA, 92692 — assumable FHA mortgage at 4.99%
FHA
Active
23
$899,000$116,347 equity gap
Rate
4.99%
7.18%today
Payment
$4,476/mo
$5,654today
  • 4beds
  • 4baths
  • 1,931sqft

3 Sanctuary Lane, Mission Viejo

20702 El Toro #414, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.72%
FHA
Active
52
$425,000$275,052 equity gap
Rate
3.72%
7.18%today
Payment
$899/mo
$1,320today
  • 1beds
  • 1baths
  • 610sqft

20702 El Toro #414, Lake Forest

20482 Pine, Trabuco Canyon, CA, 92679 — assumable FHA mortgage at 4.02%
FHA
Active
75
$1,480,000$1,171,485 equity gap
Rate
4.02%
7.18%today
Payment
$1,943/mo
$2,750today
  • 3beds
  • 2baths
  • 2,390sqft

20482 Pine, Trabuco Canyon

41 Baculo, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 4.15%
FHA
Active
61
$1,149,000$625,652 equity gap
Rate
4.15%
7.18%today
Payment
$3,146/mo
$4,385today
  • 3beds
  • 3baths
  • 1,827sqft

41 Baculo, Rancho Mission Viejo

27942 Via Janeiro, Laguna Niguel, CA, 92677 — assumable FHA mortgage at 4.20%
FHA
Active
17
$560,000$286,128 equity gap
Rate
4.20%
7.18%today
Payment
$1,671/mo
$2,315today
  • 1beds
  • 1baths
  • 861sqft

27942 Via Janeiro, Laguna Niguel

19801 Meadow Ridge Dr #57, Trabuco Canyon, CA, 92679 — assumable VA mortgage at 6.47%
VA
Active
29
$424,999Potential short sale
Rate
6.47%
7.18%today
Payment
$2,821/mo
$3,033today
  • 1beds
  • 1baths
  • 594sqft

19801 Meadow Ridge Dr #57, Trabuco Canyon

27081 Sombras, Mission Viejo, CA, 92692 — assumable FHA mortgage at 4.41%
FHA
Active
26
$1,289,999$708,609 equity gap
Rate
4.41%
7.18%today
Payment
$3,392/mo
$4,583today
  • 4beds
  • 2baths
  • 1,472sqft

27081 Sombras, Mission Viejo

9 Brisa Ribera, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 4.45%
FHA
Active
14
$550,000$276,665 equity gap
Rate
4.45%
7.18%today
Payment
$1,640/mo
$2,206today
  • 2beds
  • 1baths
  • 918sqft

9 Brisa Ribera, Rancho Santa Margarita

19 Raposa, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 5.25%
FHA
Active
58
$1,325,000$291,247 equity gap
Rate
5.25%
7.18%today
Payment
$5,776/mo
$7,086today
  • 4beds
  • 3baths
  • 1,977sqft

19 Raposa, Rancho Santa Margarita

26821 Estanciero Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 5.30%
VA
Active
26
$1,400,000$324,568 equity gap
Rate
5.30%
7.18%today
Payment
$6,386/mo
$7,791today
  • 4beds
  • 3baths
  • 1,875sqft

26821 Estanciero Drive, Mission Viejo

22625 Wood Shadow, Lake Forest, CA, 92630 — assumable VA mortgage at 6.32%
VA
Active
43
$1,379,000$106,239 equity gap
Rate
6.32%
7.18%today
Payment
$8,237/mo
$8,996today
  • 5beds
  • 3baths
  • 2,963sqft

22625 Wood Shadow, Lake Forest

22681 Oakgrove #426, Aliso Viejo, CA, 92656 — assumable FHA mortgage at 6.82%
FHA
Active
36
$665,000$47,957 equity gap
Rate
6.82%
7.18%today
Payment
$4,137/mo
$4,290today
  • 2beds
  • 2baths
  • 1,007sqft

22681 Oakgrove #426, Aliso Viejo

42 Via Contento, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 7.06%
FHA
Active
37
$659,000$58,591 equity gap
Rate
7.06%
7.18%today
Payment
$4,112/mo
$4,162today
  • 2beds
  • 2baths
  • 1,117sqft

42 Via Contento, Rancho Santa Margarita

13334 Cloudburst Drive, Corona, CA, 92883 — assumable FHA mortgage at 6.06%
FHA
Active
51
$669,900$113,101 equity gap
Rate
6.06%
7.18%today
Payment
$3,387/mo
$3,802today
  • 4beds
  • 3baths
  • 1,718sqft

13334 Cloudburst Drive, Corona

Assuming a mortgage in Rancho Santa Margarita

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
2.72%
Lowest existing payment
$828/mo
Median cash to assume
$332,411
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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