VATop pick
Active
14$440,000$22,623 equity gap
- Rate
- 2.87%
7.32%today- Payment
- $1,951/mo
$3,233today
- 2beds
- 2baths
- 1,104sqft
California · Statewide
Assumable homes for salein California.
4,141 homes in California carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
California assumable market
by the numbers.
4,141active assumable listings
2.10%lowest locked rate
$585kmedian list price
$799saved per month vs. 7.2%
Across California
Assumable homesby California city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of California on the map- 01San Diego239239 assumable homes · median 5.51%
- 02Los Angeles134134 assumable homes · median 4.88%
- 03Victorville100100 assumable homes · median 5.54%
- 04Lancaster9898 assumable homes · median 5.38%
- 05Hemet9595 assumable homes · median 5.70%
- 06Chula Vista8989 assumable homes · median 5.22%
- 07Menifee8888 assumable homes · median 4.78%
- 08Murrieta7070 assumable homes · median 6.08%
- 09Hesperia6464 assumable homes · median 5.78%
- 10Apple Valley6262 assumable homes · median 5.88%
- 11Palmdale5959 assumable homes · median 5.55%
- 12Lake Elsinore5454 assumable homes · median 5.36%
- 13San Bernardino5454 assumable homes · median 6.14%
- 14Temecula5353 assumable homes · median 3.45%
- 15Moreno Valley5151 assumable homes · median 4.53%
- 16Riverside4949 assumable homes · median 4.99%
- 17Winchester4848 assumable homes · median 6.29%
- 18Indio4646 assumable homes · median 5.20%
- 19Oceanside4646 assumable homes · median 3.99%
- 20Bakersfield4242 assumable homes · median 6.27%
- 21Beaumont4141 assumable homes · median 5.13%
- 22Spring Valley4141 assumable homes · median 4.36%
- 23El Cajon4040 assumable homes · median 6.32%
- 24Fontana3737 assumable homes · median 5.10%
- 25Long Beach3636 assumable homes · median 3.02%
- 26San Jacinto3434 assumable homes · median 6.38%
- 27Corona3232 assumable homes · median 6.12%
- 28Ontario3232 assumable homes · median 6.00%
- 29Perris3232 assumable homes · median 4.55%
- 30Desert Hot Springs3131 assumable homes · median 5.52%
- 31Oroville3030 assumable homes · median 4.01%
- 32Fallbrook2929 assumable homes · median 5.50%
- 33Yucca Valley2929 assumable homes · median 6.28%
- 34Ramona2828 assumable homes · median 6.21%
- 35Adelanto2727 assumable homes · median 6.27%
- 36Merced2727 assumable homes · median 6.37%
- 37Santee2626 assumable homes · median 5.27%
- 38Stockton2525 assumable homes · median 4.98%
- 39Canyon Country2424 assumable homes · median 5.91%
- 40Palm Desert2424 assumable homes · median 3.69%
- 41Valencia2424 assumable homes · median 5.55%
- 42Wildomar2424 assumable homes · median 5.63%
- 43Highland2323 assumable homes · median 4.98%
- 44Antioch2121 assumable homes · median 4.60%
- 45Compton2121 assumable homes · median 6.28%
- 46Escondido2121 assumable homes · median 3.63%
- 47Rialto2121 assumable homes · median 6.83%
- 48Banning2020 assumable homes · median 6.11%
- 49Cathedral City2020 assumable homes · median 3.37%
- 50Rosamond2020 assumable homes · median 4.98%
- 51San Jose2020 assumable homes · median 4.06%
- 52Camarillo1919 assumable homes · median 3.55%
- 53Phelan1919 assumable homes · median 5.55%
- 54Simi Valley1919 assumable homes · median 4.72%
- 55Vista1919 assumable homes · median 3.10%
- 56Oakland1818 assumable homes · median 5.17%
- 57Barstow1717 assumable homes · median 5.52%
- 58Lakeside1717 assumable homes · median 6.04%
- 59Pomona1717 assumable homes · median 6.00%
- 60Sacramento1717 assumable homes · median 6.32%
- 61Brentwood1616 assumable homes · median 3.29%
- 62Imperial Beach1616 assumable homes · median 3.40%
- 63San Marcos1616 assumable homes · median 4.75%
- 64Norwalk1515 assumable homes · median 6.08%
- 65Chino1414 assumable homes · median 6.01%
- 66Coachella1414 assumable homes · median 3.61%
- 67Colton1414 assumable homes · median 3.56%
- 68La Quinta1414 assumable homes · median 4.37%
- 69Rancho Cucamonga1414 assumable homes · median 6.41%
- 70Redlands1414 assumable homes · median 3.74%
- 71Tehachapi1414 assumable homes · median 6.18%
- 72Castaic1313 assumable homes · median 6.43%
- 73Chico1313 assumable homes · median 4.29%
- 74Oxnard1313 assumable homes · median 5.10%
- 75Rancho Santa Margarita1313 assumable homes · median 3.64%
- 76Upland1313 assumable homes · median 4.12%
- 77Whittier1313 assumable homes · median 3.75%
- 78Concord1212 assumable homes · median 3.40%
- 79Crestline1212 assumable homes · median 6.19%
- 80Hollister1212 assumable homes · median 4.45%
- 81Jurupa Valley1212 assumable homes · median 6.49%
- 82La Mesa1212 assumable homes · median 5.96%
- 83Pittsburg1212 assumable homes · median 3.67%
- 84Thousand Oaks1212 assumable homes · median 3.44%
- 85Anaheim1111 assumable homes · median 3.23%
- 86Oakley1111 assumable homes · median 4.10%
- 87Vallejo1111 assumable homes · median 5.51%
- 88California City1010 assumable homes · median 6.39%
- 89Helendale1010 assumable homes · median 6.76%
- 90Inglewood1010 assumable homes · median 6.23%
- 91Kelseyville1010 assumable homes · median 4.20%
- 92Magalia1010 assumable homes · median 3.74%
- 93Pacoima1010 assumable homes · median 6.48%
- 94Rancho Mission Viejo1010 assumable homes · median 5.14%
- 95San Pedro1010 assumable homes · median 6.76%
- 96Santa Ana1010 assumable homes · median 6.28%
- 97Santa Maria1010 assumable homes · median 5.56%
- 98Sonora1010 assumable homes · median 6.25%
- 99Thermal1010 assumable homes · median 5.16%
- 100Coarsegold99 assumable homes · median 4.47%
- 101Huntington Beach99 assumable homes · median 3.21%
- 102Lake Forest99 assumable homes · median 3.85%
- 103National City99 assumable homes · median 6.71%
- 104Salinas99 assumable homes · median 3.45%
- 105Sylmar99 assumable homes · median 3.88%
- 106Aliso Viejo88 assumable homes · median 6.82%
- 107Atwater88 assumable homes · median 4.00%
- 108Fillmore88 assumable homes · median 3.23%
- 109Fresno88 assumable homes · median 4.29%
- 110Hayward88 assumable homes · median 4.71%
- 111Los Banos88 assumable homes · median 5.01%
- 112Mission Viejo88 assumable homes · median 3.13%
- 113Modesto88 assumable homes · median 5.04%
- 114Palm Springs88 assumable homes · median 3.92%
- 115Paradise88 assumable homes · median 6.58%
- 116Paso Robles88 assumable homes · median 4.53%
- 117Valley Center88 assumable homes · median 4.39%
- 118Acton77 assumable homes · median 6.12%
- 119Blythe77 assumable homes · median 5.23%
- 120Carson77 assumable homes · median 3.73%
- 121Discovery Bay77 assumable homes · median 3.53%
- 122Lemon Grove77 assumable homes · median 6.27%
- 123Loma Linda77 assumable homes · median 6.22%
- 124Panorama City77 assumable homes · median 3.75%
- 125Pico Rivera77 assumable homes · median 6.15%
- 126Reseda77 assumable homes · median 6.26%
- 127Torrance77 assumable homes · median 5.10%
- 128West Covina77 assumable homes · median 5.23%
- 129Yucaipa77 assumable homes · median 6.35%
- 130Alpine66 assumable homes · median 4.92%
- 131Anza66 assumable homes · median 6.36%
- 132Carlsbad66 assumable homes · median 3.86%
- 133Claremont66 assumable homes · median 6.53%
- 134Fullerton66 assumable homes · median 3.69%
- 135Hanford66 assumable homes · median 6.35%
- 136Hercules66 assumable homes · median 5.21%
- 137Livermore66 assumable homes · median 3.13%
- 138Lucerne Valley66 assumable homes · median 5.85%
- 139Manteca66 assumable homes · median 5.87%
- 140North Hills66 assumable homes · median 3.56%
- 141North Hollywood66 assumable homes · median 3.52%
- 142Porter Ranch66 assumable homes · median 6.65%
- 143Rio Vista66 assumable homes · median 6.27%
- 144Thousand Palms66 assumable homes · median 4.65%
- 145Van Nuys66 assumable homes · median 4.13%
- 146Visalia66 assumable homes · median 6.38%
- 147Walnut Creek66 assumable homes · median 3.90%
- 148Bermuda Dunes55 assumable homes · median 5.38%
- 149Big Bear City55 assumable homes · median 6.59%
- 150Calimesa55 assumable homes · median 3.06%
- 151Canoga Park55 assumable homes · median 4.42%
- 152Canyon Lake55 assumable homes · median 5.81%
- 153Clearlake55 assumable homes · median 3.95%
- 154Coronado55 assumable homes · median 2.77%
- 155Covina55 assumable homes · median 6.60%
- 156Downey55 assumable homes · median 6.50%
- 157Eastvale55 assumable homes · median 4.16%
- 158Fairfield55 assumable homes · median 2.90%
- 159Garden Grove55 assumable homes · median 6.82%
- 160Glendora55 assumable homes · median 6.13%
- 161Hawthorne55 assumable homes · median 6.30%
- 162Hidden Valley Lake55 assumable homes · median 3.16%
- 163Jamul55 assumable homes · median 6.50%
- 164La Puente55 assumable homes · median 5.25%
- 165Madera55 assumable homes · median 6.34%
- 166Mariposa55 assumable homes · median 6.54%
- 167Newhall55 assumable homes · median 3.18%
- 168Newport Beach55 assumable homes · median 4.06%
- 169Northridge55 assumable homes · median 4.38%
- 170Orange55 assumable homes · median 6.35%
- 171Richmond55 assumable homes · median 4.01%
- 172San Pablo55 assumable homes · median 3.73%
- 173Santa Paula55 assumable homes · median 6.22%
- 174Vacaville55 assumable homes · median 3.69%
- 175Ventura55 assumable homes · median 6.43%
- 176West Hills55 assumable homes · median 6.09%
- 177Aguanga44 assumable homes · median 6.52%
- 178Azusa44 assumable homes · median 3.67%
- 179Bellflower44 assumable homes · median 3.85%
- 180Bonita44 assumable homes · median 5.06%
- 181Bonsall44 assumable homes · median 6.20%
- 182Boron44 assumable homes · median 6.84%
- 183Burbank44 assumable homes · median 2.94%
- 184Corning44 assumable homes · median 3.82%
- 185Cypress44 assumable homes · median 3.21%
- 186Diamond Bar44 assumable homes · median 3.98%
- 187Dublin44 assumable homes · median 3.72%
- 188Fawnskin44 assumable homes · median 4.93%
- 189Frazier Park44 assumable homes · median 5.29%
- 190Glendale44 assumable homes · median 4.75%
- 191Hacienda Heights44 assumable homes · median 4.46%
- 192Homeland44 assumable homes · median 6.82%
- 193Irvine44 assumable homes · median 3.33%
- 194Lakeport44 assumable homes · median 3.88%
- 195Lakewood44 assumable homes · median 5.62%
- 196Littlerock44 assumable homes · median 6.83%
- 197Martinez44 assumable homes · median 3.70%
- 198Mountain House44 assumable homes · median 5.88%
- 199Patterson44 assumable homes · median 5.08%
- 200Pine Mountain Club44 assumable homes · median 5.94%
- 201Rancho Mirage44 assumable homes · median 3.63%
- 202Ridgecrest44 assumable homes · median 6.58%
- 203San Dimas44 assumable homes · median 5.53%
- 204Santa Clarita44 assumable homes · median 5.09%
- 205Sherman Oaks44 assumable homes · median 3.38%
- 206South Gate44 assumable homes · median 5.04%
- 207Trabuco Canyon44 assumable homes · median 6.71%
- 208Tracy44 assumable homes · median 5.08%
- 209Tuolumne44 assumable homes · median 3.71%
- 210Warner Springs44 assumable homes · median 4.75%
- 211Woodland Hills44 assumable homes · median 4.75%
- 212Agoura Hills33 assumable homes · median 7.17%
- 213Alameda33 assumable homes · median 4.52%
- 214Anderson33 assumable homes · median 4.26%
- 215Aptos33 assumable homes · median 2.80%
- 216Arcadia33 assumable homes · median 6.06%
- 217Arleta33 assumable homes · median 2.90%
- 218Bloomington33 assumable homes · median 3.95%
- 219Boulder Creek33 assumable homes · median 4.05%
- 220Cerritos33 assumable homes · median 6.47%
- 221Chatsworth33 assumable homes · median 4.00%
- 222Chino Hills33 assumable homes · median 6.66%
- 223Chowchilla33 assumable homes · median 3.65%
- 224Culver City33 assumable homes · median 5.30%
- 225Elk Grove33 assumable homes · median 6.67%
- 226Felton33 assumable homes · median 3.05%
- 227Gardena33 assumable homes · median 3.64%
- 228Gilroy33 assumable homes · median 3.72%
- 229Granada Hills33 assumable homes · median 3.75%
- 230Grand Terrace33 assumable homes · median 6.50%
- 231Grover Beach33 assumable homes · median 3.09%
- 232Jamestown33 assumable homes · median 4.32%
- 233Julian33 assumable homes · median 6.44%
- 234La Habra33 assumable homes · median 3.13%
- 235La Mirada33 assumable homes · median 3.92%
- 236Laguna Niguel33 assumable homes · median 5.30%
- 237Lake Arrowhead33 assumable homes · median 4.04%
- 238Lake Hughes33 assumable homes · median 6.12%
- 239Landers33 assumable homes · median 6.17%
- 240Lathrop33 assumable homes · median 6.63%
- 241Lompoc33 assumable homes · median 3.05%
- 242Marina33 assumable homes · median 6.35%
- 243Montebello33 assumable homes · median 6.51%
- 244Morgan Hill33 assumable homes · median 3.36%
- 245Nipomo33 assumable homes · median 4.77%
- 246Norco33 assumable homes · median 3.72%
- 247Oak Hills33 assumable homes · median 2.99%
- 248Oakhurst33 assumable homes · median 6.81%
- 249Olivehurst33 assumable homes · median 6.15%
- 250Rancho Palos Verdes33 assumable homes · median 2.97%
- 251Redding33 assumable homes · median 2.88%
- 252Running Springs33 assumable homes · median 4.37%
- 253San Mateo33 assumable homes · median 6.42%
- 254San Ramon33 assumable homes · median 2.80%
- 255Santa Fe Springs33 assumable homes · median 3.87%
- 256Soulsbyville33 assumable homes · median 3.01%
- 257Suisun City33 assumable homes · median 4.98%
- 258Templeton33 assumable homes · median 3.24%
- 259Topanga33 assumable homes · median 3.31%
- 260Tustin33 assumable homes · median 6.34%
- 261Twain Harte33 assumable homes · median 3.29%
- 262Valley Springs33 assumable homes · median 6.63%
- 263Wofford Heights33 assumable homes · median 4.55%
- 264Yorba Linda33 assumable homes · median 5.84%
- 265Arroyo Grande22 assumable homes · median 4.17%
- 266Ben Lomond22 assumable homes · median 5.33%
- 267Big Bear Lake22 assumable homes · median 4.68%
- 268Borrego Springs22 assumable homes · median 5.36%
- 269Boulevard22 assumable homes · median 4.71%
- 270Brawley22 assumable homes · median 3.50%
- 271Brea22 assumable homes · median 4.61%
- 272Campo22 assumable homes · median 7.21%
- 273Cherry Valley22 assumable homes · median 3.48%
- 274Citrus Heights22 assumable homes · median 3.52%
- 275Clearlake Oaks22 assumable homes · median 3.29%
- 276Clovis22 assumable homes · median 3.99%
- 277Costa Mesa22 assumable homes · median 3.62%
- 278Daly City22 assumable homes · median 2.79%
- 279Dana Point22 assumable homes · median 6.70%
- 280Delano22 assumable homes · median 3.69%
- 281Dulzura22 assumable homes · median 2.95%
- 282El Cerrito22 assumable homes · median 6.74%
- 283El Segundo22 assumable homes · median 4.00%
- 284Forest Falls22 assumable homes · median 4.81%
- 285Fort Bragg22 assumable homes · median 6.50%
- 286Gridley22 assumable homes · median 6.61%
- 287Groveland22 assumable homes · median 4.86%
- 288Huntington Park22 assumable homes · median 5.69%
- 289Idyllwild22 assumable homes · median 6.83%
- 290Indian Wells22 assumable homes · median 5.23%
- 291Ione22 assumable homes · median 6.85%
- 292Joshua Tree22 assumable homes · median 3.12%
- 293Lake Isabella22 assumable homes · median 2.83%
- 294Lawndale22 assumable homes · median 5.04%
- 295Lemoore22 assumable homes · median 6.67%
- 296Leona Valley22 assumable homes · median 4.92%
- 297Linda22 assumable homes · median 4.89%
- 298Lucerne22 assumable homes · median 3.98%
- 299Marysville22 assumable homes · median 6.76%
- 300Mentone22 assumable homes · median 3.41%
- 301Mojave22 assumable homes · median 4.08%
- 302Mountain View22 assumable homes · median 3.29%
- 303Nuevo22 assumable homes · median 5.17%
- 304Oakdale22 assumable homes · median 5.54%
- 305Pacific Grove22 assumable homes · median 2.83%
- 306Placentia22 assumable homes · median 3.05%
- 307Port Hueneme22 assumable homes · median 6.57%
- 308Poway22 assumable homes · median 2.94%
- 309Rancho Cordova22 assumable homes · median 3.90%
- 310Red Bluff22 assumable homes · median 3.85%
- 311Redwood City22 assumable homes · median 5.57%
- 312Salton City22 assumable homes · median 5.42%
- 313San Gabriel22 assumable homes · median 3.81%
- 314San Lorenzo22 assumable homes · median 4.57%
- 315San Ysidro22 assumable homes · median 6.41%
- 316Santa Clara22 assumable homes · median 5.36%
- 317Santa Cruz22 assumable homes · median 4.61%
- 318Stanton22 assumable homes · median 4.62%
- 319Sun Valley22 assumable homes · median 6.61%
- 320Sunland22 assumable homes · median 5.08%
- 321Tujunga22 assumable homes · median 4.26%
- 322Union City22 assumable homes · median 5.17%
- 323Watsonville22 assumable homes · median 5.46%
- 324West Hollywood22 assumable homes · median 6.86%
- 325Willows22 assumable homes · median 4.12%
- 326Winnetka22 assumable homes · median 6.63%
- 327Yuba City22 assumable homes · median 5.04%
- 328Albany11 assumable home · median 6.50%
- 329Aromas11 assumable home · median 2.83%
- 330Baldwin Park11 assumable home · median 6.09%
- 331Bass Lake11 assumable home · median 6.77%
- 332Bay Point11 assumable home · median 6.33%
- 333Benicia11 assumable home · median 6.48%
- 334Berkeley11 assumable home · median 2.99%
- 335Biggs11 assumable home · median 2.88%
- 336Bradley11 assumable home · median 6.58%
- 337Brookdale11 assumable home · median 5.41%
- 338Buena Park11 assumable home · median 3.92%
- 339Butte Valley11 assumable home · median 3.08%
- 340Cabazon11 assumable home · median 2.78%
- 341Calabasas11 assumable home · median 3.00%
- 342Cambria11 assumable home · median 2.72%
- 343Campbell11 assumable home · median 3.04%
- 344Carmel11 assumable home · median 2.88%
- 345Castro Valley11 assumable home · median 2.87%
- 346Clayton11 assumable home · median 6.77%
- 347Coalinga11 assumable home · median 2.72%
- 348Copperopolis11 assumable home · median 2.86%
- 349Coulterville11 assumable home · median 4.20%
- 350Crockett11 assumable home · median 6.50%
- 351Cudahy11 assumable home · median 3.75%
- 352Cupertino11 assumable home · median 2.29%
- 353Descanso11 assumable home · median 3.00%
- 354Duarte11 assumable home · median 2.93%
- 355Durham11 assumable home · median 2.87%
- 356El Centro11 assumable home · median 4.37%
- 357El Sobrante11 assumable home · median 2.70%
- 358Encinitas11 assumable home · median 6.58%
- 359Encino11 assumable home · median 4.22%
- 360Folsom11 assumable home · median 2.88%
- 361Forest Ranch11 assumable home · median 6.32%
- 362Forestville11 assumable home · median 3.76%
- 363Fremont11 assumable home · median 3.64%
- 364Glenhaven11 assumable home · median 3.10%
- 365Green Valley11 assumable home · median 3.02%
- 366Green Valley Lake11 assumable home · median 2.81%
- 367Grizzly Flats11 assumable home · median 6.19%
- 368Guadalupe11 assumable home · median 5.00%
- 369Harbor City11 assumable home · median 6.42%
- 370Heber11 assumable home · median 3.82%
- 371Kerman11 assumable home · median 2.81%
- 372La Habra Heights11 assumable home · median 6.62%
- 373La Palma11 assumable home · median 6.50%
- 374La Verne11 assumable home · median 2.80%
- 375Laguna Hills11 assumable home · median 5.66%
- 376Lake Los Angeles11 assumable home · median 3.82%
- 377Lamont11 assumable home · median 5.78%
- 378Lebec11 assumable home · median 3.04%
- 379Lewiston11 assumable home · median 3.71%
- 380Lincoln11 assumable home · median 2.38%
- 381Lindsay11 assumable home · median 5.98%
- 382Live Oak11 assumable home · median 6.79%
- 383Livingston11 assumable home · median 5.12%
- 384Llano11 assumable home · median 4.14%
- 385Lodi11 assumable home · median 3.22%
- 386Los Molinos11 assumable home · median 2.81%
- 387Los Olivos11 assumable home · median 2.99%
- 388Lower Lake11 assumable home · median 6.16%
- 389Lynwood11 assumable home · median 2.72%
- 390Lytle Creek11 assumable home · median 6.26%
- 391Manhattan Beach11 assumable home · median 2.90%
- 392Marina del Rey11 assumable home · median 6.33%
- 393Menlo Park11 assumable home · median 2.77%
- 394Milpitas11 assumable home · median 7.06%
- 395Montague11 assumable home · median 5.30%
- 396Montclair11 assumable home · median 6.95%
- 397Moorpark11 assumable home · median 3.23%
- 398Moraga11 assumable home · median 3.90%
- 399Morongo Valley11 assumable home · median 6.88%
- 400Morro Bay11 assumable home · median 3.72%
- 401Murphys11 assumable home · median 3.43%
- 402Needles11 assumable home · median 6.17%
- 403Newark11 assumable home · median 6.47%
- 404Nice11 assumable home · median 3.15%
- 405North Tustin11 assumable home · median 3.54%
- 406Oak Park11 assumable home · median 3.03%
- 407Ojai11 assumable home · median 6.64%
- 408Orland11 assumable home · median 5.88%
- 409Pacific Palisades11 assumable home · median 6.10%
- 410Palo Verde11 assumable home · median 6.78%
- 411Pasadena11 assumable home · median 6.60%
- 412Pearblossom11 assumable home · median 6.87%
- 413Pine Valley11 assumable home · median 7.04%
- 414Pioneertown11 assumable home · median 2.73%
- 415Pismo Beach11 assumable home · median 2.99%
- 416Playa Vista11 assumable home · median 2.66%
- 417Pleasant Hill11 assumable home · median 3.51%
- 418Pleasanton11 assumable home · median 2.80%
- 419Porterville11 assumable home · median 5.52%
- 420Quartz Hill11 assumable home · median 4.45%
- 421Quincy11 assumable home · median 6.66%
- 422Redondo Beach11 assumable home · median 2.75%
- 423Ripon11 assumable home · median 3.58%
- 424Riverbank11 assumable home · median 5.30%
- 425Rodeo11 assumable home · median 2.90%
- 426Romoland11 assumable home · median 3.07%
- 427Roseville11 assumable home · median 3.21%
- 428San Ardo11 assumable home · median 6.86%
- 429San Clemente11 assumable home · median 5.75%
- 430San Fernando11 assumable home · median 4.44%
- 431San Juan Capistrano11 assumable home · median 3.45%
- 432Santa Barbara11 assumable home · median 2.81%
- 433Santa Monica11 assumable home · median 3.00%
- 434Santa Ysabel11 assumable home · median 2.87%
- 435Scotts Valley11 assumable home · median 3.18%
- 436Shafter11 assumable home · median 3.73%
- 437Signal Hill11 assumable home · median 3.13%
- 438Silverado11 assumable home · median 3.23%
- 439Solana Beach11 assumable home · median 4.07%
- 440Soledad11 assumable home · median 6.60%
- 441Soquel11 assumable home · median 6.90%
- 442Stevenson Ranch11 assumable home · median 6.49%
- 443Stratford11 assumable home · median 6.36%
- 444Studio City11 assumable home · median 3.50%
- 445Sugarloaf11 assumable home · median 6.92%
- 446Taft11 assumable home · median 6.74%
- 447Tarzana11 assumable home · median 2.25%
- 448Toluca Lake11 assumable home · median 2.95%
- 449Turlock11 assumable home · median 3.95%
- 450Twentynine Palms11 assumable home · median 4.83%
- 451Twin Peaks11 assumable home · median 7.50%
- 452Val Verde11 assumable home · median 6.81%
- 453Walnut11 assumable home · median 6.95%
- 454Westlake Village11 assumable home · median 3.69%
- 455Whitewater11 assumable home · median 6.71%
- 456Willits11 assumable home · median 2.96%
- 457Wilmington11 assumable home · median 5.89%
- 458Winters11 assumable home · median 6.14%
- 459Yreka11 assumable home · median 3.38%
Also covered in California, no verified assumable listings today:
- Acampo
- Agua Dulce
- Ahwahnee
- Albion
- Alderpoint
- Alhambra
- Alleghany
- Alpaugh
- Alta
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- Laguna Woods
- Lake Almanor
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- Lakehead
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- Rescue
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- Rosemead
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- Yountville
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About the market
Assumable mortgagesin California, explained.
Every number on this page comes from the live MLS feeds UMe indexes across California. Updated October 2026.
How assumptions work for buyersCalifornia has 4,141 homes for sale with an assumable mortgage as of October 2026: 2,527 FHA loans and 1,614 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active California assumable listings start at 2.10% with a median of 5.11%; 1,682 listings are under 4% and 2,005 are under 5%.
The median assumable home in California lists for $585,000, with a median of $175,037 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,338 a month versus $3,137 for the same balance at today's rate, roughly $799 kept every month and $9,586 a year. The deepest California inventory is in San Diego (239), Los Angeles (134), Victorville (100), Lancaster (98), and Hemet (95).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most California assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across California
View all 4,141 on the map Homes on the marketacross California.
FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.32%today- Payment
- $2,182/mo
$3,511today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
VATop pick
Active
39$470,000$23,091 equity gap
- Rate
- 3.12%
7.32%today- Payment
- $2,124/mo
$3,408today
- 3beds
- 2baths
- 1,699sqft
33200 Benner Street, Lake Elsinore
FHATop pick
Active
35$2,250,000$83,083 equity gap
- Rate
- 3.21%
7.32%today- Payment
- $10,825/mo
$17,173today
- —beds
- —baths
- 5,263sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 equity gap
- Rate
- 2.79%
7.32%today- Payment
- $2,253/mo
$3,772today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
VATop pick
Active
22$750,000$73,146 equity gap
- Rate
- 2.90%
7.32%today- Payment
- $3,139/mo
$5,181today
- 3beds
- 3baths
- 2,010sqft
27258 Narrowleaf Willow Lane, Valencia
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin California.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 4,141
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.11%
- Median list price
- $585,000
- Median cash to assume
- $175,037
California listings by locked rate
- Under 4%1,682 homes
- 4% – 5%323 homes
- 5% – 6%307 homes
- 6% and up1,808 homes
California listings by loan type
- FHA2,527 homesmedian 5.70%
- VA1,614 homesmedian 3.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the California numbers
What an assumable ratedoes to a California payment.
The sliders start at the median California assumable listing: $585,000 list price and a 5.11% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$175,000
30% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in California
$2,375/mo
New loan at 7.20%$2,783
Assumed at 5.10%
$2,375
Every month$408
Over five years$24,488
Interest you never pay$260,92326-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every California listing on UMe shows the actual balance, rate, and payment.
How it works in California
How to assumea mortgage in California.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a California home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the California map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $175,037 in California today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a California payment written in a different decade.
California questions
Assuming a mortgagein California.
The numbers below come from current California inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in California?
As of October 2026, UMe tracks 4,141 active assumable listings in California. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in California?
Current California inventory breaks down as FHA (2,527, median 5.70%) and VA (1,614, median 3.92%). 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 California?
The lowest rate on an active California assumable listing is 2.10%, and the median across all 4,141 listings is 5.11%. 1,682 listings are under 4% and 2,005 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 California?
Across current California listings, the median principal-and-interest payment on the assumable loan is $2,338 per month versus $3,137 for the same balance at today's rates, a difference of about $799 every month, or $9,586 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 California?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In California that gap is currently a median of $175,037 on a median list price of $585,000. 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 California cities have the most assumable homes?
The deepest assumable inventory in California is in San Diego (239), Los Angeles (134), Victorville (100), Lancaster (98), and Hemet (95). Each city has its own page with live counts, rates, and neighborhoods, and the California map lets you search the whole state at once.
How long does a mortgage assumption take in California?
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 California.The rate is already on the house.
Every listing on the California map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
