2.90% FHA
$399,900
$1,573/mo
17557 Caprice Way
Victorville, CA
3 bd2 ba1,802 sqft
Oak Hills, California
Keep the rate.
Buy the home in Oak Hills.
3 assumable homes for sale in Oak Hills, with locked rates from 2.96%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.12%
vs 7.2% market
$1,121/mo saved
Median locked rate
3.12%
Across 3 assumable listings
Typical monthly savings
$1,121
On a $555,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Oak Hills
Homes with a rate worth keeping
2.98% FHA
$210,000
$867/mo
23354 Crest Forest Drive
Crestline, CA
2 bd2 ba790 sqft
3.07% FHA
$350,000
$1,462/mo
15700 Fresno Court
Victorville, CA
4 bd2 ba1,236 sqft
2.73% FHA
$460,000
$1,555/mo
11553 Tatiana
Adelanto, CA
4 bd2 ba2,002 sqft
2.84% FHA
$420,000
$1,428/mo
13451 Sonora Road
Phelan, CA
3 bd2 ba1,539 sqft
2.84% FHA
$375,000
$1,318/mo
13549 Oakmont Drive
Victorville, CA
3 bd2 ba1,350 sqft
Inventory snapshot
What’s assumable in Oak Hills right now
Live counts from the MLS feeds we index for California. Updated August 2026.
- Active listings
- 3
- Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 3.12%
- Median list price
- $555,000
- Median cash to assume
- $253,262
Listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA3 homesmedian 3.12%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Oak Hills 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 Oak Hills.
A 7.2% new loan against an assumable one at 3.12%, same balance, 30 years.
You keep every month
$1,113/mo
Over a year$13,356
Monthly payment, side by side
7.2% vs 3.12%
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 Oak Hills
Numbers below come from current Oak Hills inventory and update as listings change.
- How many assumable homes are for sale in Oak Hills?
- As of August 2026, UMe tracks 3 active assumable listings in Oak Hills. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Oak Hills?
- Current Oak Hills inventory breaks down as FHA (3, median 3.12%). 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 Oak Hills right now?
- The lowest rate on an active Oak Hills assumable listing is 2.96%, and the median across all 3 listings is 3.12%. 2 listings are under 4% and 2 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 Oak Hills?
- Across current Oak Hills listings, the median principal-and-interest payment on the assumable loan is $1,673 per month versus $2,794 for the same balance at today's rates, a difference of about $1,121 every month, or $13,456 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 Oak Hills?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Oak Hills that gap is currently a median of $253,262 on a median list price of $555,000. 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 Oak Hills ZIP codes have the most assumable homes?
- The Oak Hills ZIP codes with the most active assumable listings are 92344 (3). 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 Oak Hills?
- 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 Oak Hills.
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.
