FHATop pick
Active
14$305,000$27,218 equity gap
- Rate
- 3.06%
7.40%today- Payment
- $1,335/mo
$2,175today
- 2beds
- 2baths
- 1,123sqft
Stockton, California
Assumable homes for salein Stockton, California.
27 homes in Stockton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Stockton assumable market
by the numbers.
27active assumable listings
2.72%lowest locked rate
$430kmedian list price
$635saved per month vs. 7.2%
About the market
Assumable mortgagesin Stockton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Stockton. Updated October 2026.
How assumptions work for buyersStockton, California has 27 homes for sale with an assumable mortgage as of October 2026: 24 FHA loans and 3 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 Stockton assumable listings start at 2.72% with a median of 4.98%; 7 listings are under 4% and 14 are under 5%.
The median assumable home in Stockton lists for $430,000, with a median of $96,561 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 $1,781 a month versus $2,417 for the same balance at today's rate, roughly $635 kept every month and $7,623 a year. The most active Stockton ZIP codes are 95207 (7), 95204 (3), 95206 (3), 95209 (3), and 95212 (3).
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 Stockton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Stockton
View all 27 on the map Homes on the marketin Stockton.
FHA
Active
38$450,000$67,914 equity gap
- Rate
- 2.74%
7.40%today- Payment
- $1,781/mo
$3,025today
- 3beds
- 2baths
- 1,689sqft
136 Stadium Drive, Stockton
VA
Active
42$499,000$124,964 equity gap
- Rate
- 2.84%
7.40%today- Payment
- $1,776/mo
$2,977today
- 5beds
- 3baths
- 2,383sqft
630 Flagstone, Stockton
FHA
Active
8$405,000$110,352 equity gap
- Rate
- 3.09%
7.40%today- Payment
- $1,424/mo
$2,311today
- 3beds
- 1baths
- 1,104sqft
1 Mayfair Avenue, Stockton
FHA
Active
18$324,999$91,231 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,116/mo
$1,800today
- 2beds
- 1baths
- 804sqft
415 Atlee Street, Stockton
FHA
Active
2$256,257$42,905 equity gap
- Rate
- 3.65%
7.40%today- Payment
- $1,123/mo
$1,700today
- 2beds
- 1baths
- 1,320sqft
2411 Ophir, Stockton
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 Stockton.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 27
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 4.98%
- Median list price
- $430,000
- Median cash to assume
- $96,561
Stockton listings by locked rate
- Under 4%7 homes
- 4% – 5%7 homes
- 5% – 6%3 homes
- 6% and up10 homes
Stockton listings by loan type
- FHA24 homesmedian 5.12%
- VA3 homesmedian 2.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Stockton ZIP code.
Each ZIP opens the Stockton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 95207
7 assumable homes
median 4.02% · $399,000
- 95204
3 assumable homes
median 3.14% · $450,000
- 95206
3 assumable homes
median 3.65% · $499,000
- 95209
3 assumable homes
median 5.62% · $517,000
- 95212
3 assumable homes
median 5.70% · $470,000
- 95203
2 assumable homes
median 5.37% · $402,000
- 95205
2 assumable homes
median 3.62% · $395,000
- 95205-2591
1 assumable home
median 6.78% · $535,000
Run the Stockton numbers
What an assumable ratedoes to a Stockton payment.
The sliders start at the median Stockton assumable listing: $430,000 list price and a 4.98% 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)$95,000
22% 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 Stockton
$1,921/mo
New loan at 7.20%$2,274
Assumed at 5.00%
$1,921
Every month$353
Over five years$21,194
Interest you never pay$219,36026-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 Stockton listing on UMe shows the actual balance, rate, and payment.
How it works in Stockton
How to assumea mortgage in Stockton.
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 Stockton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Stockton 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 $96,561 in Stockton 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 Stockton payment written in a different decade.
Stockton questions
Assuming a mortgagein Stockton.
The numbers below come from current Stockton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Stockton?
As of October 2026, UMe tracks 27 active assumable listings in Stockton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Stockton?
Current Stockton inventory breaks down as FHA (24, median 5.12%) and VA (3, median 2.84%). 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 Stockton?
The lowest rate on an active Stockton assumable listing is 2.72%, and the median across all 27 listings is 4.98%. 7 listings are under 4% and 14 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 Stockton?
Across current Stockton listings, the median principal-and-interest payment on the assumable loan is $1,781 per month versus $2,417 for the same balance at today's rates, a difference of about $635 every month, or $7,623 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 Stockton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Stockton that gap is currently a median of $96,561 on a median list price of $430,000. 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 Stockton ZIP codes have the most assumable homes?
The Stockton ZIP codes with the most active assumable listings are 95207 (7), 95204 (3), 95206 (3), 95209 (3), and 95212 (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 Stockton?
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 Stockton.The rate is already on the house.
Every listing on the Stockton map has a rate you can take over. Start with the ones in Stockton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
