VA
Active
37$327,500$52,524 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $1,307/mo
$2,152today
- 2beds
- 2baths
- 1,330sqft
Indio, California
Assumable homes for salein Indio, California.
42 homes in Indio carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Indio assumable market
by the numbers.
42active assumable listings
2.50%lowest locked rate
$549kmedian list price
$759saved per month vs. 7.2%
About the market
Assumable mortgagesin Indio, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Indio. Updated October 2026.
How assumptions work for buyersIndio, California has 42 homes for sale with an assumable mortgage as of October 2026: 28 FHA loans and 14 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 Indio assumable listings start at 2.50% with a median of 5.20%; 13 listings are under 4% and 17 are under 5%.
The median assumable home in Indio lists for $549,500, with a median of $221,342 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 $1,923 a month versus $2,682 for the same balance at today's rate, roughly $759 kept every month and $9,104 a year. The most active Indio ZIP codes are 92201 (21) and 92203 (21).
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 Indio assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Indio
View all 42 on the map Homes on the marketin Indio.
VA
Active
24$613,000$168,631 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $2,103/mo
$3,462today
- 5beds
- 5baths
- 3,269sqft
82796 Mount Riley Drive, Indio
VA
Active
57$475,000$172,319 equity gap
- Rate
- 2.50%
7.40%today- Payment
- $1,368/mo
$2,397today
- 2beds
- 2baths
- 1,823sqft
40159 Camino Montecito, Indio
VA
Active
39$468,000$161,433 equity gap
- Rate
- 2.66%
7.40%today- Payment
- $1,420/mo
$2,437today
- 3beds
- 3baths
- 2,304sqft
43289 Lacovia Drive, Bermuda Dunes
FHA
Active
23$465,000$173,945 equity gap
- Rate
- 2.71%
7.40%today- Payment
- $1,356/mo
$2,311today
- 3beds
- 2baths
- 1,434sqft
52835 Avenida Ramirez, La Quinta
VA
Active
23$529,990$207,386 equity gap
- Rate
- 2.71%
7.40%today- Payment
- $1,506/mo
$2,568today
- 3beds
- 2baths
- 1,858sqft
37443 Mojave Sage Street, Palm Desert
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 Indio.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 42
- UMe Certified / verified
- 0
- Lowest rate
- 2.50%
- Median rate
- 5.20%
- Median list price
- $549,500
- Median cash to assume
- $221,342
Indio listings by locked rate
- Under 4%13 homes
- 4% – 5%4 homes
- 5% – 6%5 homes
- 6% and up20 homes
Indio listings by loan type
- FHA28 homesmedian 6.32%
- VA14 homesmedian 4.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Indio ZIP code.
Each ZIP opens the Indio map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Indio numbers
What an assumable ratedoes to an Indio payment.
The sliders start at the median Indio assumable listing: $549,500 list price and a 5.20% 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)$220,000
40% 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 Indio
$1,931/mo
New loan at 7.20%$2,240
Assumed at 5.20%
$1,931
Every month$309
Over five years$18,536
Interest you never pay$203,90626-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 Indio listing on UMe shows the actual balance, rate, and payment.
How it works in Indio
How to assumea mortgage in Indio.
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 an Indio home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Indio 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 $221,342 in Indio 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 an Indio payment written in a different decade.
Indio questions
Assuming a mortgagein Indio.
The numbers below come from current Indio inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Indio?
As of October 2026, UMe tracks 42 active assumable listings in Indio. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Indio?
Current Indio inventory breaks down as FHA (28, median 6.32%) and VA (14, median 4.25%). 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 Indio?
The lowest rate on an active Indio assumable listing is 2.50%, and the median across all 42 listings is 5.20%. 13 listings are under 4% and 17 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 Indio?
Across current Indio listings, the median principal-and-interest payment on the assumable loan is $1,923 per month versus $2,682 for the same balance at today's rates, a difference of about $759 every month, or $9,104 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 Indio?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Indio that gap is currently a median of $221,342 on a median list price of $549,500. 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 Indio ZIP codes have the most assumable homes?
The Indio ZIP codes with the most active assumable listings are 92201 (21) and 92203 (21). 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 Indio?
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.
Nearby markets
All of California More assumable homesin California.
Ready when you are
Stop overpaying for Indio.The rate is already on the house.
Every listing on the Indio map has a rate you can take over. Start with the ones in Indio, get pre-qualified in minutes, and let UMe carry the assumption to closing.
