VATop pick
Active
14$440,000$22,623 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,951/mo
$3,258today
- 2beds
- 2baths
- 1,104sqft
California · Statewide
Assumable homes for salein California.
4,046 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.
4,046active assumable listings
2.10%lowest locked rate
$585kmedian list price
$807saved 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 Diego227227 assumable homes · median 5.30%
- 02Los Angeles128128 assumable homes · median 4.50%
- 03Victorville9797 assumable homes · median 5.51%
- 04Lancaster9595 assumable homes · median 4.57%
- 05Hemet9393 assumable homes · median 5.54%
- 06Chula Vista8888 assumable homes · median 5.22%
- 07Menifee8686 assumable homes · median 4.50%
- 08Murrieta6868 assumable homes · median 6.04%
- 09Apple Valley6161 assumable homes · median 5.66%
- 10Hesperia6161 assumable homes · median 5.78%
- 11Palmdale5959 assumable homes · median 5.51%
- 12Riverside5757 assumable homes · median 4.46%
- 13Temecula5353 assumable homes · median 3.53%
- 14Moreno Valley5151 assumable homes · median 4.29%
- 15San Bernardino5151 assumable homes · median 6.32%
- 16Lake Elsinore4848 assumable homes · median 4.50%
- 17Oceanside4747 assumable homes · median 4.03%
- 18Bakersfield4242 assumable homes · median 6.27%
- 19Beaumont4242 assumable homes · median 5.25%
- 20Indio4242 assumable homes · median 5.20%
- 21Long Beach4040 assumable homes · median 3.19%
- 22Spring Valley4040 assumable homes · median 4.14%
- 23Winchester3939 assumable homes · median 6.50%
- 24Fontana3737 assumable homes · median 5.81%
- 25El Cajon3636 assumable homes · median 6.45%
- 26Corona3333 assumable homes · median 5.30%
- 27San Jacinto3333 assumable homes · median 6.42%
- 28Desert Hot Springs3232 assumable homes · median 5.97%
- 29Ramona3131 assumable homes · median 6.20%
- 30Ontario3030 assumable homes · median 6.00%
- 31Oroville3030 assumable homes · median 4.36%
- 32Perris2929 assumable homes · median 4.57%
- 33Yucca Valley2929 assumable homes · median 6.28%
- 34Adelanto2828 assumable homes · median 6.23%
- 35Fallbrook2727 assumable homes · median 5.80%
- 36Stockton2727 assumable homes · median 4.98%
- 37Merced2626 assumable homes · median 6.54%
- 38Canyon Country2525 assumable homes · median 6.15%
- 39Wildomar2525 assumable homes · median 4.92%
- 40Palm Desert2424 assumable homes · median 3.69%
- 41Escondido2323 assumable homes · median 3.43%
- 42Santee2323 assumable homes · median 6.26%
- 43Valencia2323 assumable homes · median 5.63%
- 44Antioch2222 assumable homes · median 4.67%
- 45Oakland2121 assumable homes · median 5.52%
- 46Rialto2121 assumable homes · median 6.83%
- 47San Jose2121 assumable homes · median 4.35%
- 48Simi Valley2121 assumable homes · median 4.72%
- 49Banning2020 assumable homes · median 6.11%
- 50Compton2020 assumable homes · median 6.21%
- 51Vista2020 assumable homes · median 3.12%
- 52Camarillo1919 assumable homes · median 3.55%
- 53Highland1919 assumable homes · median 3.76%
- 54Pomona1919 assumable homes · median 6.28%
- 55Barstow1818 assumable homes · median 5.37%
- 56Cathedral City1818 assumable homes · median 3.13%
- 57Phelan1818 assumable homes · median 5.48%
- 58Rosamond1818 assumable homes · median 5.82%
- 59Lakeside1717 assumable homes · median 5.25%
- 60Colton1616 assumable homes · median 3.95%
- 61La Quinta1616 assumable homes · median 4.37%
- 62San Marcos1616 assumable homes · median 3.40%
- 63Brentwood1515 assumable homes · median 3.12%
- 64Imperial Beach1515 assumable homes · median 3.50%
- 65Redlands1515 assumable homes · median 3.72%
- 66Whittier1515 assumable homes · median 3.75%
- 67Chico1414 assumable homes · median 4.12%
- 68Coachella1414 assumable homes · median 3.61%
- 69Jurupa Valley1414 assumable homes · median 6.67%
- 70Norwalk1414 assumable homes · median 4.67%
- 71Sacramento1414 assumable homes · median 6.30%
- 72Castaic1313 assumable homes · median 6.43%
- 73Chino1313 assumable homes · median 6.47%
- 74Oxnard1313 assumable homes · median 5.00%
- 75Rancho Cucamonga1313 assumable homes · median 6.46%
- 76Rancho Santa Margarita1313 assumable homes · median 3.64%
- 77Tehachapi1313 assumable homes · median 6.22%
- 78Thousand Oaks1313 assumable homes · median 4.72%
- 79Concord1212 assumable homes · median 3.40%
- 80Hollister1212 assumable homes · median 4.45%
- 81La Mesa1212 assumable homes · median 5.96%
- 82Pittsburg1212 assumable homes · median 3.59%
- 83Upland1212 assumable homes · median 5.12%
- 84Anaheim1111 assumable homes · median 3.23%
- 85California City1111 assumable homes · median 6.46%
- 86Crestline1111 assumable homes · median 6.04%
- 87Santa Maria1111 assumable homes · median 5.00%
- 88Thermal1111 assumable homes · median 5.87%
- 89Vallejo1111 assumable homes · median 5.51%
- 90Inglewood1010 assumable homes · median 6.23%
- 91Kelseyville1010 assumable homes · median 4.20%
- 92Lake Forest1010 assumable homes · median 4.97%
- 93Magalia1010 assumable homes · median 3.74%
- 94Pacoima1010 assumable homes · median 6.48%
- 95Salinas1010 assumable homes · median 3.60%
- 96San Pedro1010 assumable homes · median 6.76%
- 97Santa Ana1010 assumable homes · median 6.35%
- 98Atwater99 assumable homes · median 4.72%
- 99Helendale99 assumable homes · median 6.81%
- 100Huntington Beach99 assumable homes · median 3.21%
- 101Mission Viejo99 assumable homes · median 3.11%
- 102Sonora99 assumable homes · median 6.27%
- 103Aliso Viejo88 assumable homes · median 6.82%
- 104Carson88 assumable homes · median 3.69%
- 105Coarsegold88 assumable homes · median 5.37%
- 106Fresno88 assumable homes · median 4.84%
- 107Hayward88 assumable homes · median 4.71%
- 108Los Banos88 assumable homes · median 5.01%
- 109National City88 assumable homes · median 6.74%
- 110Oakley88 assumable homes · median 3.40%
- 111Palm Springs88 assumable homes · median 3.92%
- 112Paradise88 assumable homes · median 6.58%
- 113Paso Robles88 assumable homes · median 4.53%
- 114Rancho Mission Viejo88 assumable homes · median 6.32%
- 115Sylmar88 assumable homes · median 4.66%
- 116Discovery Bay77 assumable homes · median 3.53%
- 117Fillmore77 assumable homes · median 3.02%
- 118Modesto77 assumable homes · median 4.42%
- 119Torrance77 assumable homes · median 5.10%
- 120Valley Center77 assumable homes · median 4.16%
- 121Yucaipa77 assumable homes · median 6.35%
- 122Acton66 assumable homes · median 5.01%
- 123Alpine66 assumable homes · median 4.92%
- 124Blythe66 assumable homes · median 5.37%
- 125Carlsbad66 assumable homes · median 3.86%
- 126Downey66 assumable homes · median 6.35%
- 127Fairfield66 assumable homes · median 3.33%
- 128Hanford66 assumable homes · median 6.35%
- 129Hawthorne66 assumable homes · median 5.96%
- 130Hercules66 assumable homes · median 5.21%
- 131La Puente66 assumable homes · median 5.28%
- 132Livermore66 assumable homes · median 3.35%
- 133Loma Linda66 assumable homes · median 5.55%
- 134Lucerne Valley66 assumable homes · median 5.85%
- 135Madera66 assumable homes · median 6.56%
- 136Newhall66 assumable homes · median 4.63%
- 137North Hills66 assumable homes · median 3.56%
- 138North Hollywood66 assumable homes · median 3.52%
- 139Panorama City66 assumable homes · median 3.63%
- 140Pico Rivera66 assumable homes · median 3.88%
- 141Reseda66 assumable homes · median 5.78%
- 142Richmond66 assumable homes · median 3.83%
- 143Santa Paula66 assumable homes · median 6.36%
- 144Thousand Palms66 assumable homes · median 4.65%
- 145Visalia66 assumable homes · median 6.38%
- 146Walnut Creek66 assumable homes · median 3.90%
- 147West Covina66 assumable homes · median 5.98%
- 148Anza55 assumable homes · median 6.42%
- 149Calimesa55 assumable homes · median 3.06%
- 150Claremont55 assumable homes · median 6.57%
- 151Clearlake55 assumable homes · median 3.95%
- 152Eastvale55 assumable homes · median 4.16%
- 153Fullerton55 assumable homes · median 3.84%
- 154Hidden Valley Lake55 assumable homes · median 3.16%
- 155Jamul55 assumable homes · median 6.50%
- 156Lemon Grove55 assumable homes · median 6.27%
- 157Manteca55 assumable homes · median 5.10%
- 158Mariposa55 assumable homes · median 6.54%
- 159Porter Ranch55 assumable homes · median 6.70%
- 160Ridgecrest55 assumable homes · median 6.67%
- 161Vacaville55 assumable homes · median 3.69%
- 162Ventura55 assumable homes · median 6.43%
- 163West Hills55 assumable homes · median 6.09%
- 164Yorba Linda55 assumable homes · median 5.84%
- 165Aguanga44 assumable homes · median 6.52%
- 166Bermuda Dunes44 assumable homes · median 4.97%
- 167Big Bear City44 assumable homes · median 6.69%
- 168Bonita44 assumable homes · median 5.06%
- 169Bonsall44 assumable homes · median 6.20%
- 170Boron44 assumable homes · median 6.84%
- 171Burbank44 assumable homes · median 2.94%
- 172Canyon Lake44 assumable homes · median 6.45%
- 173Corning44 assumable homes · median 3.82%
- 174Culver City44 assumable homes · median 4.83%
- 175Cypress44 assumable homes · median 3.00%
- 176Dana Point44 assumable homes · median 4.59%
- 177Dublin44 assumable homes · median 3.72%
- 178Elk Grove44 assumable homes · median 6.72%
- 179Frazier Park44 assumable homes · median 5.29%
- 180Garden Grove44 assumable homes · median 6.88%
- 181Glendale44 assumable homes · median 4.75%
- 182Glendora44 assumable homes · median 6.26%
- 183Hacienda Heights44 assumable homes · median 4.46%
- 184Irvine44 assumable homes · median 3.33%
- 185Julian44 assumable homes · median 6.44%
- 186Lakeport44 assumable homes · median 3.88%
- 187Martinez44 assumable homes · median 3.70%
- 188Mountain House44 assumable homes · median 5.88%
- 189Northridge44 assumable homes · median 3.79%
- 190Orange44 assumable homes · median 6.18%
- 191Patterson44 assumable homes · median 5.08%
- 192Poway44 assumable homes · median 3.02%
- 193Rancho Mirage44 assumable homes · median 3.63%
- 194Rio Vista44 assumable homes · median 6.64%
- 195San Pablo44 assumable homes · median 3.60%
- 196Santa Clarita44 assumable homes · median 5.09%
- 197Sherman Oaks44 assumable homes · median 3.38%
- 198Trabuco Canyon44 assumable homes · median 6.71%
- 199Tracy44 assumable homes · median 5.08%
- 200Van Nuys44 assumable homes · median 4.13%
- 201Warner Springs44 assumable homes · median 4.75%
- 202Woodland Hills44 assumable homes · median 4.75%
- 203Agoura Hills33 assumable homes · median 7.17%
- 204Alameda33 assumable homes · median 4.52%
- 205Anderson33 assumable homes · median 4.26%
- 206Arcadia33 assumable homes · median 6.06%
- 207Azusa33 assumable homes · median 2.90%
- 208Bellflower33 assumable homes · median 2.98%
- 209Ben Lomond33 assumable homes · median 5.66%
- 210Bloomington33 assumable homes · median 3.95%
- 211Boulder Creek33 assumable homes · median 4.05%
- 212Canoga Park33 assumable homes · median 3.98%
- 213Cerritos33 assumable homes · median 6.47%
- 214Chatsworth33 assumable homes · median 4.00%
- 215Chino Hills33 assumable homes · median 6.66%
- 216Chowchilla33 assumable homes · median 3.65%
- 217Covina33 assumable homes · median 6.60%
- 218Diamond Bar33 assumable homes · median 4.00%
- 219Fawnskin33 assumable homes · median 6.31%
- 220Felton33 assumable homes · median 3.05%
- 221Granada Hills33 assumable homes · median 3.75%
- 222Grand Terrace33 assumable homes · median 6.50%
- 223Grover Beach33 assumable homes · median 3.09%
- 224Jamestown33 assumable homes · median 4.32%
- 225Joshua Tree33 assumable homes · median 3.45%
- 226La Habra33 assumable homes · median 3.13%
- 227La Mirada33 assumable homes · median 6.82%
- 228Laguna Niguel33 assumable homes · median 5.30%
- 229Lake Arrowhead33 assumable homes · median 4.04%
- 230Lake Hughes33 assumable homes · median 6.12%
- 231Lakewood33 assumable homes · median 5.23%
- 232Landers33 assumable homes · median 6.17%
- 233Lathrop33 assumable homes · median 6.63%
- 234Littlerock33 assumable homes · median 6.50%
- 235Lompoc33 assumable homes · median 3.05%
- 236Marina33 assumable homes · median 6.35%
- 237Montebello33 assumable homes · median 6.49%
- 238Morgan Hill33 assumable homes · median 3.36%
- 239Oak Hills33 assumable homes · median 2.99%
- 240Oakhurst33 assumable homes · median 6.81%
- 241Olivehurst33 assumable homes · median 6.15%
- 242Pine Mountain Club33 assumable homes · median 4.85%
- 243Placentia33 assumable homes · median 2.86%
- 244Redding33 assumable homes · median 2.88%
- 245Running Springs33 assumable homes · median 4.37%
- 246San Dimas33 assumable homes · median 6.65%
- 247San Ramon33 assumable homes · median 2.80%
- 248Soulsbyville33 assumable homes · median 3.01%
- 249South Gate33 assumable homes · median 5.25%
- 250Suisun City33 assumable homes · median 4.98%
- 251Templeton33 assumable homes · median 2.96%
- 252Topanga33 assumable homes · median 3.31%
- 253Tuolumne33 assumable homes · median 4.46%
- 254Twain Harte33 assumable homes · median 3.29%
- 255Wilmington33 assumable homes · median 5.78%
- 256Wofford Heights33 assumable homes · median 4.55%
- 257Aptos22 assumable homes · median 2.76%
- 258Arleta22 assumable homes · median 4.75%
- 259Arroyo Grande22 assumable homes · median 4.17%
- 260Big Bear Lake22 assumable homes · median 4.68%
- 261Borrego Springs22 assumable homes · median 5.36%
- 262Boulevard22 assumable homes · median 4.71%
- 263Brawley22 assumable homes · median 3.50%
- 264Brea22 assumable homes · median 4.61%
- 265Campo22 assumable homes · median 7.21%
- 266Cherry Valley22 assumable homes · median 3.48%
- 267Clearlake Oaks22 assumable homes · median 3.29%
- 268Clovis22 assumable homes · median 3.99%
- 269Coronado22 assumable homes · median 4.71%
- 270Daly City22 assumable homes · median 2.79%
- 271Dulzura22 assumable homes · median 2.95%
- 272El Cerrito22 assumable homes · median 6.74%
- 273El Segundo22 assumable homes · median 4.00%
- 274Encinitas22 assumable homes · median 5.45%
- 275Fort Bragg22 assumable homes · median 6.50%
- 276Gardena22 assumable homes · median 3.23%
- 277Gilroy22 assumable homes · median 5.21%
- 278Gridley22 assumable homes · median 6.61%
- 279Groveland22 assumable homes · median 4.86%
- 280Homeland22 assumable homes · median 5.75%
- 281Huntington Park22 assumable homes · median 5.69%
- 282Idyllwild22 assumable homes · median 6.83%
- 283Indian Wells22 assumable homes · median 5.23%
- 284Ione22 assumable homes · median 6.85%
- 285Laguna Hills22 assumable homes · median 4.21%
- 286Lake Isabella22 assumable homes · median 2.83%
- 287Lawndale22 assumable homes · median 5.04%
- 288Lemoore22 assumable homes · median 6.67%
- 289Leona Valley22 assumable homes · median 4.92%
- 290Linda22 assumable homes · median 4.89%
- 291Lucerne22 assumable homes · median 3.98%
- 292Marysville22 assumable homes · median 6.76%
- 293Mojave22 assumable homes · median 4.08%
- 294Montclair22 assumable homes · median 4.96%
- 295Mountain View22 assumable homes · median 3.29%
- 296Newport Beach22 assumable homes · median 4.58%
- 297Nipomo22 assumable homes · median 5.00%
- 298Norco22 assumable homes · median 3.25%
- 299Oakdale22 assumable homes · median 5.54%
- 300Pleasanton22 assumable homes · median 2.84%
- 301Port Hueneme22 assumable homes · median 6.57%
- 302Porterville22 assumable homes · median 4.61%
- 303Rancho Cordova22 assumable homes · median 3.90%
- 304Rancho Palos Verdes22 assumable homes · median 3.04%
- 305Red Bluff22 assumable homes · median 3.85%
- 306Redwood City22 assumable homes · median 5.57%
- 307Salton City22 assumable homes · median 5.42%
- 308San Gabriel22 assumable homes · median 3.81%
- 309San Juan Capistrano22 assumable homes · median 4.37%
- 310San Lorenzo22 assumable homes · median 4.57%
- 311San Mateo22 assumable homes · median 4.86%
- 312Santa Clara22 assumable homes · median 5.36%
- 313Santa Cruz22 assumable homes · median 4.61%
- 314Santa Fe Springs22 assumable homes · median 4.21%
- 315Stanton22 assumable homes · median 4.62%
- 316Sun Valley22 assumable homes · median 6.61%
- 317Tujunga22 assumable homes · median 4.26%
- 318Tustin22 assumable homes · median 6.31%
- 319Union City22 assumable homes · median 5.17%
- 320Valley Springs22 assumable homes · median 5.65%
- 321Walnut22 assumable homes · median 6.91%
- 322Watsonville22 assumable homes · median 5.46%
- 323West Hollywood22 assumable homes · median 6.86%
- 324Willows22 assumable homes · median 4.12%
- 325Winnetka22 assumable homes · median 6.63%
- 326Yuba City22 assumable homes · median 5.04%
- 327Albany11 assumable home · median 6.50%
- 328Aromas11 assumable home · median 2.83%
- 329Atascadero11 assumable home · median 3.58%
- 330Baldwin Park11 assumable home · median 6.09%
- 331Bass Lake11 assumable home · median 6.77%
- 332Benicia11 assumable home · median 6.48%
- 333Biggs11 assumable home · median 2.88%
- 334Bradley11 assumable home · median 6.58%
- 335Brookdale11 assumable home · median 5.41%
- 336Buena Park11 assumable home · median 3.92%
- 337Butte Valley11 assumable home · median 3.08%
- 338Cabazon11 assumable home · median 2.78%
- 339Calabasas11 assumable home · median 3.00%
- 340Caliente11 assumable home · median 6.78%
- 341Campbell11 assumable home · median 3.04%
- 342Carmel11 assumable home · median 2.88%
- 343Castro Valley11 assumable home · median 2.87%
- 344Citrus Heights11 assumable home · median 2.86%
- 345Clayton11 assumable home · median 6.77%
- 346Coalinga11 assumable home · median 2.72%
- 347Copperopolis11 assumable home · median 2.86%
- 348Corcoran11 assumable home · median 5.23%
- 349Costa Mesa11 assumable home · median 4.24%
- 350Coulterville11 assumable home · median 4.20%
- 351Crockett11 assumable home · median 6.50%
- 352Cudahy11 assumable home · median 3.75%
- 353Cupertino11 assumable home · median 2.29%
- 354Delano11 assumable home · median 3.55%
- 355Descanso11 assumable home · median 3.00%
- 356Duarte11 assumable home · median 2.93%
- 357Durham11 assumable home · median 2.87%
- 358El Centro11 assumable home · median 4.37%
- 359El Sobrante11 assumable home · median 2.70%
- 360Forest Falls11 assumable home · median 6.81%
- 361Forest Ranch11 assumable home · median 6.32%
- 362Forestville11 assumable home · median 3.76%
- 363Glenhaven11 assumable home · median 3.10%
- 364Grass Valley11 assumable home · median 6.31%
- 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%
- 375Lake Los Angeles11 assumable home · median 3.82%
- 376Lamont11 assumable home · median 5.78%
- 377Lebec11 assumable home · median 3.04%
- 378Lewiston11 assumable home · median 3.71%
- 379Lincoln11 assumable home · median 2.72%
- 380Lindsay11 assumable home · median 5.98%
- 381Live Oak11 assumable home · median 6.79%
- 382Livingston11 assumable home · median 5.12%
- 383Llano11 assumable home · median 4.14%
- 384Lodi11 assumable home · median 3.22%
- 385Los Molinos11 assumable home · median 2.81%
- 386Los Olivos11 assumable home · median 2.99%
- 387Lower Lake11 assumable home · median 6.16%
- 388Lynwood11 assumable home · median 2.72%
- 389Lytle Creek11 assumable home · median 6.26%
- 390Marina del Rey11 assumable home · median 6.33%
- 391Menlo Park11 assumable home · median 2.77%
- 392Mentone11 assumable home · median 3.01%
- 393Milpitas11 assumable home · median 7.06%
- 394Montague11 assumable home · median 5.30%
- 395Moorpark11 assumable home · median 3.23%
- 396Moraga11 assumable home · median 3.90%
- 397Morongo Valley11 assumable home · median 6.88%
- 398Morro Bay11 assumable home · median 3.72%
- 399Murphys11 assumable home · median 3.43%
- 400Needles11 assumable home · median 6.17%
- 401Newark11 assumable home · median 6.47%
- 402Newcastle11 assumable home · median 2.81%
- 403Nice11 assumable home · median 3.15%
- 404North Tustin11 assumable home · median 3.54%
- 405Nuevo11 assumable home · median 6.58%
- 406Oak Park11 assumable home · median 3.03%
- 407Ojai11 assumable home · median 6.64%
- 408Orland11 assumable home · median 5.88%
- 409Pacific Grove11 assumable home · median 2.73%
- 410Pacific Palisades11 assumable home · median 6.10%
- 411Palo Verde11 assumable home · median 6.78%
- 412Pasadena11 assumable home · median 6.60%
- 413Pearblossom11 assumable home · median 6.87%
- 414Pine Valley11 assumable home · median 7.04%
- 415Pioneertown11 assumable home · median 2.73%
- 416Piru11 assumable home
- 417Playa Vista11 assumable home · median 2.66%
- 418Pleasant Hill11 assumable home · median 3.51%
- 419Quartz Hill11 assumable home · median 4.45%
- 420Quincy11 assumable home · median 6.66%
- 421Redondo Beach11 assumable home · median 2.75%
- 422Ripon11 assumable home · median 3.58%
- 423Rodeo11 assumable home · median 2.90%
- 424Romoland11 assumable home · median 3.07%
- 425Roseville11 assumable home · median 3.21%
- 426San Ardo11 assumable home · median 6.86%
- 427San Clemente11 assumable home · median 5.75%
- 428San Fernando11 assumable home · median 4.44%
- 429San Ysidro11 assumable home · median 6.35%
- 430Santa Barbara11 assumable home · median 2.81%
- 431Santa Monica11 assumable home · median 3.00%
- 432Santa Ysabel11 assumable home · median 2.87%
- 433Shafter11 assumable home · median 3.73%
- 434Signal Hill11 assumable home · median 3.13%
- 435Silverado11 assumable home · median 3.23%
- 436Solana Beach11 assumable home · median 4.07%
- 437Soledad11 assumable home · median 6.60%
- 438Soquel11 assumable home · median 6.90%
- 439Stevenson Ranch11 assumable home · median 6.49%
- 440Stratford11 assumable home · median 6.36%
- 441Studio City11 assumable home · median 6.00%
- 442Sugarloaf11 assumable home · median 6.92%
- 443Sunland11 assumable home · median 6.50%
- 444Taft11 assumable home · median 6.74%
- 445Toluca Lake11 assumable home · median 2.95%
- 446Turlock11 assumable home · median 3.95%
- 447Twentynine Palms11 assumable home · median 4.83%
- 448Twin Peaks11 assumable home · median 7.50%
- 449Val Verde11 assumable home · median 6.81%
- 450Westlake Village11 assumable home · median 3.69%
- 451Whitewater11 assumable home · median 6.71%
- 452Willits11 assumable home · median 2.96%
- 453Winters11 assumable home · median 6.14%
- 454Yreka11 assumable home · median 3.38%
Also covered in California, no verified assumable listings today:
- Acampo
- Agua Dulce
- Ahwahnee
- Albion
- Alderpoint
- Alhambra
- Alleghany
- Alpaugh
- Alta
- Altadena
- Alturas
- Amador City
- American Canyon
- Angels Camp
- Angelus Oaks
- Angwin
- Antelope
- Applegate
- Arboga
- Arbuckle
- Arcata
- Armona
- Arnold
- Artesia
- Artois
- Arvin
- Atherton
- Auberry
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- Avenal
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- Berry Creek
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- Browns Valley
- Brownsville
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- Butte Meadows
- Buttonwillow
- Byron
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- Cameron Park
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- Camp Connell
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- Carlotta
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- Carmichael
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- Carpinteria
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- Casmalia
- Caspar
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- Castroville
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- Ceres
- Challenge
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- City of Industry
- Clarksburg
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- Clio
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- Crescent City
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- Davis
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- Delhi
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- Desert Center
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- Dillon Beach
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- Dixon
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- Douglas City
- Douglas Flat
- Downieville
- Doyle
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- Ducor
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- Dunsmuir
- Dutch Flat
- Earlimart
- East Palo Alto
- Echo Lake
- Edwards
- El Dorado
- El Dorado Hills
- El Granada
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- Elk
- Elk Creek
- Elverta
- Emeryville
- Emigrant Gap
- Empire
- Encino
- Escalon
- Esparto
- Essex
- Etna
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- Fair Oaks
- Fairfax
- Fall River Mills
- Farmersville
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- Friant
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- Glenn
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- Goleta
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- Goodyears Bar
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- Kingsburg
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- Knights Landing
- Kyburz
- La Cañada Flintridge
- La Crescenta
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- Ladera Ranch
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Laton
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- Le Grand
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- Linden
- Little River
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
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- Loomis
- Los Alamitos
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- Los Altos
- Los Altos Hills
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- Lost Hills
- Lotus
- Loyalton
- Macdoel
- Madison
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- Manchester
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- Manton
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- Meridian
- Mi Wuk Village
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- Mill Creek
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- Millbrae
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- Montgomery Creek
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- Petaluma
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- Pilot Hill
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- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
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- Pixley
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- Planada
- Platina
- Playa del Rey
- Pleasant Grove
- Plumas Lake
- Plymouth
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- Pollock Pines
- Pope Valley
- Port Costa
- Portola
- Portola Valley
- Posey
- Potrero
- Potter Valley
- Prather
- Princeton
- Prunedale
- Rackerby
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- Raisin City
- Ranchita
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- Rancho Santa Fe
- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richgrove
- Richvale
- Rimforest
- Rio Linda
- Rio Oso
- Riverbank
- Riverdale
- Robbins
- Rocklin
- Rohnert Park
- Rolling Hills
- Rolling Hills Estates
- Rosemead
- Rough and Ready
- Round Mountain
- Rowland Heights
- Royal Oaks
- Rumsey
- Salida
- Salyer
- San Andreas
- San Anselmo
- San Bruno
- San Carlos
- San Francisco
- San Geronimo
- San Joaquin
- San Juan Bautista
- San Leandro
- San Lucas
- San Luis Obispo
- San Marino
- San Martin
- San Miguel Island
- San Rafael
- San Simeon
- Sand City
- Sanger
- Santa Margarita
- Santa Nella
- Santa Rosa
- Santa Ynez
- Saratoga
- Sausalito
- Scotts Valley
- Seal Beach
- Seaside
- Sebastopol
- Selma
- Shandon
- Shasta
- Shasta Lake
- Shaver Lake
- Sheep Ranch
- Sheridan
- Sherwood Forest
- Shingle Springs
- Shingletown
- Sierra City
- Sierra Madre
- Sierraville
- Skyforest
- Sloughhouse
- Smartsville
- Smith River
- Snelling
- Soda Springs
- Solvang
- Somis
- Sonoma
- South El Monte
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- South Pasadena
- South San Francisco
- Spreckels
- Springville
- St. Helena
- Standish
- Stanford
- Stevinson
- Stinson Beach
- Stirling City
- Stonyford
- Strathmore
- Strawberry
- Strawberry Valley
- Summerland
- Sun Village
- Sunnyvale
- Sunol
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- Susanville
- Sutter
- Sutter Creek
- Tahoe City
- Tahoe Vista
- Tahoma
- Tarzana
- Tecate
- Tecopa
- Temple City
- Termo
- Terra Bella
- The Sea Ranch
- Thornton
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- Tiburon
- Tipton
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- Tranquillity
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- Trinity Center
- Trona
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- Tulare
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- Ukiah
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- Vallecito
- Valley Home
- Valley Village
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- Vernalis
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- View Park
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- Wasco
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- Weed
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- Westley
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- Winterhaven
- Winton
- Wishon
- Woodbridge
- Woodlake
- Woodland
- Woodside
- Woody
- Wrightwood
- Yankee Hill
- Yermo
- Yokuts Valley
- Yolo
- Yosemite National Park
- Yountville
- Zamora
- Zenia
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 4,046 homes for sale with an assumable mortgage as of October 2026: 2,479 FHA loans and 1,567 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%; 1,650 listings are under 4% and 1,959 are under 5%.
The median assumable home in California lists for $585,000, with a median of $176,614 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 $2,311 a month versus $3,118 for the same balance at today's rate, roughly $807 kept every month and $9,681 a year. The deepest California inventory is in San Diego (227), Los Angeles (128), Victorville (97), Lancaster (95), and Hemet (93).
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 4,046 on the map Homes on the marketacross California.
FHATop pick
Active
51$1,039,000Potential short sale
- Rate
- 2.99%
7.40%today- Payment
- $5,194/mo
$8,541today
- 3beds
- 3baths
- 1,818sqft
42 Via Brida, Rancho Santa Margarita
FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.40%today- Payment
- $2,182/mo
$3,539today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
VATop pick
Active
39$470,000$23,091 equity gap
- Rate
- 3.12%
7.40%today- Payment
- $2,124/mo
$3,435today
- 3beds
- 2baths
- 1,699sqft
33200 Benner Street, Lake Elsinore
FHATop pick
Active
35$2,250,000$83,083 equity gap
- Rate
- 3.21%
7.40%today- Payment
- $10,825/mo
$17,310today
- —beds
- —baths
- 5,263sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 equity gap
- Rate
- 2.79%
7.40%today- Payment
- $2,253/mo
$3,802today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
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
- 4,046
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.11%
- Median list price
- $585,000
- Median cash to assume
- $176,614
California listings by locked rate
- Under 4%1,650 homes
- 4% – 5%309 homes
- 5% – 6%306 homes
- 6% and up1,757 homes
California listings by loan type
- FHA2,479 homesmedian 5.66%
- VA1,567 homesmedian 3.95%
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 $176,614 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 4,046 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 (2,479, median 5.66%) and VA (1,567, median 3.95%). 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 4,046 listings is 5.11%. 1,650 listings are under 4% and 1,959 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 $2,311 per month versus $3,118 for the same balance at today's rates, a difference of about $807 every month, or $9,681 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 $176,614 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 (227), Los Angeles (128), Victorville (97), Lancaster (95), and Hemet (93). 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.
