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Assumable homes for sale in Albany, CA

21 homesFHA & VA loansrates from 2.70% vs 7.40% today

Albany assumption guide
273 Beauforest Dr, Oakland, CA, 94611 — assumable FHA mortgage at 3.20%
FHA
Active
42
$695,000$95,980 equity gap
Rate
3.20%
7.40%today
Payment
$2,989/mo
$4,786today
  • 2beds
  • 1baths
  • 506sqft

273 Beauforest Dr, Oakland

108 Arcangel Way, San Pablo, CA, 94806 — assumable FHA mortgage at 3.47%
FHA
Active
34
$565,000$141,784 equity gap
Rate
3.47%
7.40%today
Payment
$2,192/mo
$3,392today
  • 3beds
  • 3baths
  • 1,401sqft

108 Arcangel Way, San Pablo

205 Del Valle Cir, El Sobrante, CA, 94803 — assumable VA mortgage at 2.70%
VA
Active
25
$369,000$135,016 equity gap
Rate
2.70%
7.40%today
Payment
$1,089/mo
$1,859today
  • 2beds
  • 2baths
  • 1,022sqft

205 Del Valle Cir, El Sobrante

2106 Alfreda Blvd, San Pablo, CA, 94806 — assumable FHA mortgage at 2.72%
FHA
Active
19
$572,500$208,806 equity gap
Rate
2.72%
7.40%today
Payment
$1,704/mo
$2,902today
  • 3beds
  • 2baths
  • 941sqft

2106 Alfreda Blvd, San Pablo

977 24Th St, Oakland, CA, 94607 — assumable VA mortgage at 2.80%
VA
Active
8
$634,500Potential short sale
Rate
2.80%
7.40%today
Payment
$3,616/mo
$6,093today
  • 2beds
  • 3baths
  • 1,552sqft

977 24Th St, Oakland

449 Merritt Ave, Oakland, CA, 94610 — assumable VA mortgage at 3.21%
VA
Active
105
$5,500,000$4,231,755 equity gap
Rate
3.21%
7.40%today
Payment
$6,062/mo
$9,693today
  • —beds
  • —baths
  • 10,926sqft

449 Merritt Ave, Oakland

3 Wildwood Place, Richmond, CA, 94803 — assumable FHA mortgage at 3.60%
FHA
Active
52
$960,000$351,725 equity gap
Rate
3.60%
7.40%today
Payment
$3,214/mo
$4,895today
  • 4beds
  • 3baths
  • 2,781sqft

3 Wildwood Place, Richmond

3131 Magnolia ST, Oakland, CA, 94608 — assumable FHA mortgage at 5.10%
FHA
Active
27
$815,000Potential short sale
Rate
5.10%
7.40%today
Payment
$4,772/mo
$6,085today
  • 6beds
  • 3baths
  • 2,584sqft

3131 Magnolia ST, Oakland

40 Parkview Ter, San Pablo, CA, 94806 — assumable FHA mortgage at 3.73%
FHA
Active
33
$519,000$193,918 equity gap
Rate
3.73%
7.40%today
Payment
$1,736/mo
$2,602today
  • 3beds
  • 3baths
  • 1,680sqft

40 Parkview Ter, San Pablo

540 3rd ST, Richmond, CA, 94801 — assumable FHA mortgage at 3.66%
FHA
Active
55
$425,000$215,627 equity gap
Rate
3.66%
7.40%today
Payment
$1,246/mo
$1,883today
  • 3beds
  • 2baths
  • 963sqft

540 3rd ST, Richmond

3134 Pleitner Ave, Oakland, CA, 94602 — assumable FHA mortgage at 3.69%
FHA
Active
17
$1,450,000$1,149,530 equity gap
Rate
3.69%
7.40%today
Payment
$1,508/mo
$2,271today
  • —beds
  • —baths
  • —sqft

3134 Pleitner Ave, Oakland

4321 Florida Ave, Richmond, CA, 94804 — assumable VA mortgage at 4.01%
VA
Active
16
$499,000$95,771 equity gap
Rate
4.01%
7.40%today
Payment
$2,340/mo
$3,390today
  • 4beds
  • 3baths
  • 1,223sqft

4321 Florida Ave, Richmond

159 Lakeshore Ct, Richmond, CA, 94804 — assumable FHA mortgage at 4.04%
FHA
Active
58
$435,000$186,551 equity gap
Rate
4.04%
7.40%today
Payment
$1,192/mo
  • 1beds
  • 1baths
  • 779sqft

159 Lakeshore Ct, Richmond

407 Vista Heights Rd, El Cerrito, CA, 94530 — assumable FHA mortgage at 6.88%
FHA
Active
29
$650,000$12,400 equity gap
Rate
6.88%
7.40%today
Payment
$4,304/mo
$4,534today
  • 2beds
  • 2baths
  • 1,298sqft

407 Vista Heights Rd, El Cerrito

555 Pierce St #522, Albany, CA, 94706 — assumable FHA mortgage at 6.50%
FHA
Active
31
$410,000$39,584 equity gap
Rate
6.50%
7.40%today
Payment
$2,350/mo
$2,574today
  • 1beds
  • 1baths
  • 745sqft

555 Pierce St #522, Albany

4628 Fieldbrook Rd, Oakland, CA, 94619 — assumable FHA mortgage at 6.44%
FHA
Active
40
$1,149,460$36,020 equity gap
Rate
6.44%
7.40%today
Payment
$7,154/mo
$7,885today
  • 4beds
  • 3baths
  • 1,943sqft

4628 Fieldbrook Rd, Oakland

Gertrude Ave, Richmond, CA, 94801 — assumable FHA mortgage at 5.05%
FHA
Active
2
$415,000$349,442 equity gap
Rate
5.05%
7.40%today
Payment
$557/mo
$714today
  • —beds
  • —baths
  • —sqft

Gertrude Ave, Richmond

3056 22nd Ave, Oakland, CA, 94602 — assumable FHA mortgage at 6.43%
FHA
Active
56
$829,000Potential short sale
Rate
6.43%
7.40%today
Payment
$6,809/mo
$7,513today
  • 3beds
  • 2baths
  • 1,955sqft

3056 22nd Ave, Oakland

3019 Florida St, Oakland, CA, 94602 — assumable FHA mortgage at 6.50%
FHA
Active
13
$599,000Potential short sale
Rate
6.50%
7.40%today
Payment
$4,735/mo
$5,187today
  • —beds
  • —baths
  • —sqft

3019 Florida St, Oakland

7717 Eureka Ave, El Cerrito, CA, 94530 — assumable FHA mortgage at 6.60%
FHA
Active
34
$998,000$670,966 equity gap
Rate
6.60%
7.40%today
Payment
$2,190/mo
$2,374today
  • 3beds
  • 2baths
  • 1,285sqft

7717 Eureka Ave, El Cerrito

670 30th Street, Richmond, CA, 94804-1569 — assumable FHA mortgage at 6.76%
FHA
Active
27
$444,000$407,812 equity gap
Rate
6.76%
7.40%today
Payment
$248/mo
$263today
  • 2beds
  • 1baths
  • 771sqft

670 30th Street, Richmond

Assuming a mortgage in Albany

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.70%
Lowest existing payment
$557 /mo
Median cash to assume
$193,918
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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