2.99% FHA
$560,000
$2,564/mo
310 Susan Court
Palmdale, CA
3 bd3 ba2,522 sqft
Acton, California
Keep the rate.
Buy the home in Acton.
6 assumable homes for sale in Acton, with locked rates from 2.83%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.18%
vs 7.2% market
$805/mo saved
Median locked rate
4.18%
Across 6 assumable listings
Typical monthly savings
$805
On a $1,104,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Acton
Homes with a rate worth keeping
3.06% FHA
$460,000
$1,761/mo
279 GALVESTON Lane
Palmdale, CA
3 bd3 ba1,961 sqft
2.78% VA
$729,990
$2,634/mo
39315 Stirrup Court
Palmdale, CA
4 bd4 ba3,186 sqft
2.83% FHA
$599,999
$2,009/mo
3214 Lennox Court
Palmdale, CA
4 bd3 ba2,346 sqft
2.98% VA
$625,000
$2,355/mo
39749 Gorham Lane
Palmdale, CA
4 bd3 ba2,394 sqft
2.73% FHA
$675,000
$2,144/mo
11551 Lonesone Valley Road
Leona Valley, CA
4 bd3 ba1,900 sqft
Inventory snapshot
What’s assumable in Acton right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 6
- Certified / verified
- 0
- Lowest rate
- 2.83%
- Median rate
- 4.18%
- Median list price
- $1,104,500
- Median cash to assume
- $965,559
Listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- FHA5 homesmedian 4.45%
- VA1 homemedian 2.83%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Acton ZIP code
Nearby markets
More assumable homes in California
- San Diego257
- Los Angeles124
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale81
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Stockton40
- Sacramento39
- Beaumont37
- Moreno Valley37
Run your numbers
The cost of waiting in Acton.
A 7.2% new loan against an assumable one at 4.18%, same balance, 30 years.
You keep every month
$1,688/mo
Over a year$20,255
Monthly payment, side by side
7.2% vs 4.18%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Acton
Numbers below come from current Acton inventory and update as listings change.
- How many assumable homes are for sale in Acton?
- As of September 2026, UMe tracks 6 active assumable listings in Acton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Acton?
- Current Acton inventory breaks down as FHA (5, median 4.45%) and VA (1, median 2.83%). 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 Acton right now?
- The lowest rate on an active Acton assumable listing is 2.83%, and the median across all 6 listings is 4.18%. 3 listings are under 4% and 4 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 Acton?
- Across current Acton listings, the median principal-and-interest payment on the assumable loan is $1,875 per month versus $2,679 for the same balance at today's rates, a difference of about $805 every month, or $9,655 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 Acton?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Acton that gap is currently a median of $965,559 on a median list price of $1,104,500. 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 Acton ZIP codes have the most assumable homes?
- The Acton ZIP codes with the most active assumable listings are 93510 (6). 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 Acton?
- 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.
Ready when you are
Stop overpaying for Acton.
Every listing on the map has a rate you can take over. Start with the ones in California, or list your own low-rate loan and let buyers come to you.
