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.
4,082 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.
4,082active assumable listings
2.10%lowest locked rate
$585kmedian list price
$805saved 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 Diego233233 assumable homes · median 5.40%
- 02Los Angeles131131 assumable homes · median 4.55%
- 03Victorville9898 assumable homes · median 5.41%
- 04Lancaster9797 assumable homes · median 5.10%
- 05Hemet9393 assumable homes · median 5.54%
- 06Chula Vista9191 assumable homes · median 5.13%
- 07Menifee8686 assumable homes · median 4.50%
- 08Murrieta6868 assumable homes · median 6.04%
- 09Hesperia6464 assumable homes · median 5.79%
- 10Apple Valley6161 assumable homes · median 6.09%
- 11Palmdale5757 assumable homes · median 5.55%
- 12Riverside5454 assumable homes · median 4.49%
- 13San Bernardino5353 assumable homes · median 6.32%
- 14Lake Elsinore5151 assumable homes · median 4.16%
- 15Moreno Valley5151 assumable homes · median 4.53%
- 16Temecula5151 assumable homes · median 3.47%
- 17Oceanside4646 assumable homes · median 3.99%
- 18Indio4343 assumable homes · median 5.10%
- 19Bakersfield4242 assumable homes · median 6.27%
- 20Beaumont4242 assumable homes · median 5.25%
- 21Winchester4242 assumable homes · median 6.50%
- 22Spring Valley4040 assumable homes · median 4.14%
- 23Fontana3939 assumable homes · median 5.20%
- 24El Cajon3737 assumable homes · median 6.43%
- 25Long Beach3737 assumable homes · median 3.08%
- 26Desert Hot Springs3333 assumable homes · median 5.52%
- 27Corona3232 assumable homes · median 5.36%
- 28Ontario3232 assumable homes · median 6.00%
- 29San Jacinto3232 assumable homes · median 6.32%
- 30Perris3030 assumable homes · median 4.55%
- 31Oroville2929 assumable homes · median 4.10%
- 32Yucca Valley2929 assumable homes · median 6.28%
- 33Adelanto2828 assumable homes · median 6.26%
- 34Fallbrook2727 assumable homes · median 5.80%
- 35Ramona2727 assumable homes · median 6.20%
- 36Merced2626 assumable homes · median 6.41%
- 37Stockton2626 assumable homes · median 5.12%
- 38Valencia2525 assumable homes · median 4.70%
- 39Canyon Country2424 assumable homes · median 5.91%
- 40Palm Desert2424 assumable homes · median 3.69%
- 41Wildomar2424 assumable homes · median 5.63%
- 42Escondido2323 assumable homes · median 3.43%
- 43Santee2323 assumable homes · median 6.12%
- 44San Jose2222 assumable homes · median 4.28%
- 45Antioch2121 assumable homes · median 4.60%
- 46Compton2121 assumable homes · median 6.13%
- 47Highland2121 assumable homes · median 3.76%
- 48Oakland2121 assumable homes · median 5.52%
- 49Rialto2121 assumable homes · median 6.83%
- 50Simi Valley2121 assumable homes · median 4.72%
- 51Banning2020 assumable homes · median 6.11%
- 52Cathedral City2020 assumable homes · median 3.37%
- 53Vista2020 assumable homes · median 3.12%
- 54Rosamond1919 assumable homes · median 5.41%
- 55Camarillo1818 assumable homes · median 3.41%
- 56Phelan1818 assumable homes · median 5.48%
- 57Pomona1818 assumable homes · median 6.28%
- 58Barstow1717 assumable homes · median 5.52%
- 59Lakeside1717 assumable homes · median 5.25%
- 60Brentwood1515 assumable homes · median 3.12%
- 61Colton1515 assumable homes · median 3.75%
- 62Imperial Beach1515 assumable homes · median 3.50%
- 63La Quinta1515 assumable homes · median 3.75%
- 64Redlands1515 assumable homes · median 3.72%
- 65San Marcos1515 assumable homes · median 3.31%
- 66Coachella1414 assumable homes · median 3.61%
- 67Norwalk1414 assumable homes · median 4.67%
- 68Rancho Cucamonga1414 assumable homes · median 6.41%
- 69Sacramento1414 assumable homes · median 6.37%
- 70Whittier1414 assumable homes · median 3.75%
- 71Castaic1313 assumable homes · median 6.43%
- 72Chico1313 assumable homes · median 4.29%
- 73Chino1313 assumable homes · median 6.47%
- 74Jurupa Valley1313 assumable homes · median 6.63%
- 75Rancho Santa Margarita1313 assumable homes · median 3.64%
- 76Tehachapi1313 assumable homes · median 6.22%
- 77Thousand Oaks1313 assumable homes · median 4.72%
- 78Upland1313 assumable homes · median 6.12%
- 79Concord1212 assumable homes · median 3.40%
- 80La Mesa1212 assumable homes · median 5.96%
- 81Oxnard1212 assumable homes · median 5.05%
- 82Anaheim1111 assumable homes · median 3.23%
- 83Crestline1111 assumable homes · median 6.04%
- 84Hollister1111 assumable homes · median 5.30%
- 85Pittsburg1111 assumable homes · median 3.90%
- 86Thermal1111 assumable homes · median 5.87%
- 87Vallejo1111 assumable homes · median 5.51%
- 88California City1010 assumable homes · median 6.39%
- 89Helendale1010 assumable homes · median 6.76%
- 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%
- 94Oakley1010 assumable homes · median 4.01%
- 95Pacoima1010 assumable homes · median 6.48%
- 96Salinas1010 assumable homes · median 3.60%
- 97San Pedro1010 assumable homes · median 6.76%
- 98Santa Maria1010 assumable homes · median 5.56%
- 99Huntington Beach99 assumable homes · median 3.21%
- 100Mission Viejo99 assumable homes · median 3.11%
- 101Santa Ana99 assumable homes · median 6.32%
- 102Sonora99 assumable homes · median 6.27%
- 103Aliso Viejo88 assumable homes · median 6.82%
- 104Atwater88 assumable homes · median 4.00%
- 105Blythe88 assumable homes · median 4.51%
- 106Coarsegold88 assumable homes · median 5.37%
- 107Fresno88 assumable homes · median 4.29%
- 108Hayward88 assumable homes · median 4.71%
- 109Los Banos88 assumable homes · median 5.01%
- 110Modesto88 assumable homes · median 5.04%
- 111National City88 assumable homes · median 6.74%
- 112Palm Springs88 assumable homes · median 3.92%
- 113Paradise88 assumable homes · median 6.58%
- 114Rancho Mission Viejo88 assumable homes · median 6.32%
- 115Valley Center88 assumable homes · median 4.39%
- 116Alpine77 assumable homes · median 6.19%
- 117Carson77 assumable homes · median 3.73%
- 118Discovery Bay77 assumable homes · median 3.53%
- 119Fillmore77 assumable homes · median 3.02%
- 120Loma Linda77 assumable homes · median 5.80%
- 121Manteca77 assumable homes · median 5.10%
- 122Panorama City77 assumable homes · median 3.75%
- 123Paso Robles77 assumable homes · median 5.30%
- 124Sylmar77 assumable homes · median 4.20%
- 125Torrance77 assumable homes · median 5.10%
- 126West Covina77 assumable homes · median 5.23%
- 127Yucaipa77 assumable homes · median 6.35%
- 128Acton66 assumable homes · median 5.01%
- 129Carlsbad66 assumable homes · median 3.86%
- 130Claremont66 assumable homes · median 6.53%
- 131Fullerton66 assumable homes · median 3.69%
- 132Hanford66 assumable homes · median 6.35%
- 133Hercules66 assumable homes · median 5.21%
- 134La Puente66 assumable homes · median 5.28%
- 135Lucerne Valley66 assumable homes · median 5.85%
- 136North Hills66 assumable homes · median 3.56%
- 137North Hollywood66 assumable homes · median 3.52%
- 138Northridge66 assumable homes · median 4.21%
- 139Pico Rivera66 assumable homes · median 5.09%
- 140Porter Ranch66 assumable homes · median 6.65%
- 141Reseda66 assumable homes · median 5.78%
- 142Santa Paula66 assumable homes · median 6.36%
- 143Thousand Palms66 assumable homes · median 4.65%
- 144Visalia66 assumable homes · median 6.38%
- 145Walnut Creek66 assumable homes · median 3.90%
- 146Anza55 assumable homes · median 6.42%
- 147Bermuda Dunes55 assumable homes · median 5.38%
- 148Big Bear City55 assumable homes · median 6.59%
- 149Calimesa55 assumable homes · median 3.06%
- 150Canyon Lake55 assumable homes · median 5.81%
- 151Clearlake55 assumable homes · median 3.95%
- 152Downey55 assumable homes · median 6.50%
- 153Eastvale55 assumable homes · median 4.16%
- 154Fairfield55 assumable homes · median 2.90%
- 155Garden Grove55 assumable homes · median 6.82%
- 156Hawthorne55 assumable homes · median 6.30%
- 157Hidden Valley Lake55 assumable homes · median 3.16%
- 158Jamul55 assumable homes · median 6.50%
- 159Lemon Grove55 assumable homes · median 6.27%
- 160Livermore55 assumable homes · median 3.42%
- 161Madera55 assumable homes · median 6.34%
- 162Mariposa55 assumable homes · median 6.54%
- 163Newhall55 assumable homes · median 3.18%
- 164Richmond55 assumable homes · median 4.01%
- 165Rio Vista55 assumable homes · median 6.33%
- 166Vacaville55 assumable homes · median 3.69%
- 167West Hills55 assumable homes · median 6.09%
- 168Yorba Linda55 assumable homes · median 5.84%
- 169Aguanga44 assumable homes · median 6.52%
- 170Bellflower44 assumable homes · median 3.85%
- 171Bonita44 assumable homes · median 5.06%
- 172Bonsall44 assumable homes · median 6.20%
- 173Boron44 assumable homes · median 6.84%
- 174Burbank44 assumable homes · median 2.94%
- 175Canoga Park44 assumable homes · median 4.20%
- 176Corning44 assumable homes · median 3.82%
- 177Coronado44 assumable homes · median 2.88%
- 178Cypress44 assumable homes · median 3.00%
- 179Dana Point44 assumable homes · median 4.59%
- 180Dublin44 assumable homes · median 3.72%
- 181Elk Grove44 assumable homes · median 6.72%
- 182Fawnskin44 assumable homes · median 4.93%
- 183Frazier Park44 assumable homes · median 5.29%
- 184Glendale44 assumable homes · median 4.75%
- 185Glendora44 assumable homes · median 6.26%
- 186Hacienda Heights44 assumable homes · median 4.46%
- 187Irvine44 assumable homes · median 3.33%
- 188Julian44 assumable homes · median 6.44%
- 189La Mirada44 assumable homes · median 5.37%
- 190Lakeport44 assumable homes · median 3.88%
- 191Martinez44 assumable homes · median 3.70%
- 192Mountain House44 assumable homes · median 5.88%
- 193Orange44 assumable homes · median 6.18%
- 194Patterson44 assumable homes · median 5.08%
- 195Pine Mountain Club44 assumable homes · median 5.94%
- 196Rancho Mirage44 assumable homes · median 3.63%
- 197Ridgecrest44 assumable homes · median 6.58%
- 198San Dimas44 assumable homes · median 5.53%
- 199San Pablo44 assumable homes · median 3.60%
- 200Santa Clarita44 assumable homes · median 5.09%
- 201Sherman Oaks44 assumable homes · median 3.38%
- 202South Gate44 assumable homes · median 5.04%
- 203Trabuco Canyon44 assumable homes · median 6.71%
- 204Tracy44 assumable homes · median 5.08%
- 205Tuolumne44 assumable homes · median 3.71%
- 206Van Nuys44 assumable homes · median 4.13%
- 207Ventura44 assumable homes · median 5.12%
- 208Warner Springs44 assumable homes · median 4.75%
- 209Woodland Hills44 assumable homes · median 4.75%
- 210Agoura Hills33 assumable homes · median 7.17%
- 211Alameda33 assumable homes · median 4.52%
- 212Anderson33 assumable homes · median 4.26%
- 213Arcadia33 assumable homes · median 6.06%
- 214Azusa33 assumable homes · median 2.90%
- 215Bloomington33 assumable homes · median 3.95%
- 216Boulder Creek33 assumable homes · median 4.05%
- 217Brea33 assumable homes · median 4.06%
- 218Cerritos33 assumable homes · median 6.47%
- 219Chatsworth33 assumable homes · median 4.00%
- 220Chino Hills33 assumable homes · median 6.66%
- 221Chowchilla33 assumable homes · median 3.65%
- 222Covina33 assumable homes · median 6.60%
- 223Culver City33 assumable homes · median 5.30%
- 224Diamond Bar33 assumable homes · median 4.00%
- 225Felton33 assumable homes · median 3.05%
- 226Gardena33 assumable homes · median 3.64%
- 227Gilroy33 assumable homes · median 3.72%
- 228Granada Hills33 assumable homes · median 3.75%
- 229Grand Terrace33 assumable homes · median 6.50%
- 230Grover Beach33 assumable homes · median 3.09%
- 231Homeland33 assumable homes · median 6.60%
- 232Jamestown33 assumable homes · median 4.32%
- 233La Habra33 assumable homes · median 3.13%
- 234Laguna Niguel33 assumable homes · median 5.30%
- 235Lake Arrowhead33 assumable homes · median 4.04%
- 236Lake Hughes33 assumable homes · median 6.12%
- 237Lakewood33 assumable homes · median 5.23%
- 238Landers33 assumable homes · median 6.17%
- 239Lathrop33 assumable homes · median 6.63%
- 240Littlerock33 assumable homes · median 6.50%
- 241Lompoc33 assumable homes · median 3.05%
- 242Marina33 assumable homes · median 6.35%
- 243Montebello33 assumable homes · median 6.49%
- 244Morgan Hill33 assumable homes · median 3.36%
- 245Newport Beach33 assumable homes · median 5.11%
- 246Oak Hills33 assumable homes · median 2.99%
- 247Oakhurst33 assumable homes · median 6.81%
- 248Olivehurst33 assumable homes · median 6.15%
- 249Rancho Cordova33 assumable homes · median 3.12%
- 250Rancho Palos Verdes33 assumable homes · median 2.97%
- 251Redding33 assumable homes · median 2.88%
- 252Running Springs33 assumable homes · median 4.37%
- 253San Ramon33 assumable homes · median 2.80%
- 254Soulsbyville33 assumable homes · median 3.01%
- 255Suisun City33 assumable homes · median 4.98%
- 256Templeton33 assumable homes · median 2.96%
- 257Topanga33 assumable homes · median 3.31%
- 258Tustin33 assumable homes · median 6.34%
- 259Twain Harte33 assumable homes · median 3.29%
- 260Valley Springs33 assumable homes · median 4.67%
- 261Wofford Heights33 assumable homes · median 4.55%
- 262Aptos22 assumable homes · median 2.76%
- 263Arleta22 assumable homes · median 4.75%
- 264Arroyo Grande22 assumable homes · median 4.17%
- 265Ben Lomond22 assumable homes · median 5.33%
- 266Big Bear Lake22 assumable homes · median 4.68%
- 267Borrego Springs22 assumable homes · median 5.36%
- 268Boulevard22 assumable homes · median 4.71%
- 269Brawley22 assumable homes · median 3.50%
- 270Campo22 assumable homes · median 7.21%
- 271Cherry Valley22 assumable homes · median 3.48%
- 272Clearlake Oaks22 assumable homes · median 3.29%
- 273Clovis22 assumable homes · median 3.99%
- 274Costa Mesa22 assumable homes · median 3.62%
- 275Daly City22 assumable homes · median 2.79%
- 276Dulzura22 assumable homes · median 2.95%
- 277El Cerrito22 assumable homes · median 6.74%
- 278El Segundo22 assumable homes · median 4.00%
- 279Encinitas22 assumable homes · median 5.45%
- 280Forest Falls22 assumable homes · median 4.81%
- 281Fort Bragg22 assumable homes · median 6.50%
- 282Gridley22 assumable homes · median 6.61%
- 283Groveland22 assumable homes · median 4.86%
- 284Huntington Park22 assumable homes · median 5.69%
- 285Idyllwild22 assumable homes · median 6.83%
- 286Indian Wells22 assumable homes · median 5.23%
- 287Ione22 assumable homes · median 6.85%
- 288Joshua Tree22 assumable homes · median 3.12%
- 289Laguna Hills22 assumable homes · median 4.21%
- 290Lake Isabella22 assumable homes · median 2.83%
- 291Lawndale22 assumable homes · median 5.04%
- 292Lemoore22 assumable homes · median 6.67%
- 293Leona Valley22 assumable homes · median 4.92%
- 294Linda22 assumable homes · median 4.89%
- 295Lucerne22 assumable homes · median 3.98%
- 296Marysville22 assumable homes · median 6.76%
- 297Mojave22 assumable homes · median 4.08%
- 298Montclair22 assumable homes · median 4.96%
- 299Mountain View22 assumable homes · median 3.29%
- 300Nipomo22 assumable homes · median 5.00%
- 301Norco22 assumable homes · median 3.25%
- 302Nuevo22 assumable homes · median 5.17%
- 303Oakdale22 assumable homes · median 5.54%
- 304Pacific Grove22 assumable homes · median 2.83%
- 305Placentia22 assumable homes · median 3.05%
- 306Pleasanton22 assumable homes · median 2.84%
- 307Port Hueneme22 assumable homes · median 6.57%
- 308Poway22 assumable homes · median 2.94%
- 309Red Bluff22 assumable homes · median 3.85%
- 310Redwood City22 assumable homes · median 5.57%
- 311Salton City22 assumable homes · median 5.42%
- 312San Gabriel22 assumable homes · median 3.81%
- 313San Lorenzo22 assumable homes · median 4.57%
- 314San Mateo22 assumable homes · median 4.86%
- 315Santa Clara22 assumable homes · median 5.36%
- 316Santa Cruz22 assumable homes · median 4.61%
- 317Santa Fe Springs22 assumable homes · median 4.21%
- 318Stanton22 assumable homes · median 4.62%
- 319Sun Valley22 assumable homes · median 6.61%
- 320Sunland22 assumable homes · median 5.08%
- 321Tujunga22 assumable homes · median 4.26%
- 322Turlock22 assumable homes · median 3.42%
- 323Union City22 assumable homes · median 5.17%
- 324Walnut22 assumable homes · median 6.91%
- 325Watsonville22 assumable homes · median 5.46%
- 326West Hollywood22 assumable homes · median 6.86%
- 327Willows22 assumable homes · median 4.12%
- 328Wilmington22 assumable homes · median 5.83%
- 329Winnetka22 assumable homes · median 6.63%
- 330Yuba City22 assumable homes · median 5.04%
- 331Albany11 assumable home · median 6.50%
- 332Aromas11 assumable home · median 2.83%
- 333Atascadero11 assumable home · median 3.58%
- 334Baldwin Park11 assumable home · median 6.09%
- 335Bass Lake11 assumable home · median 6.77%
- 336Bay Point11 assumable home · median 6.33%
- 337Benicia11 assumable home · median 6.48%
- 338Biggs11 assumable home · median 2.88%
- 339Bradley11 assumable home · median 6.58%
- 340Brookdale11 assumable home · median 5.41%
- 341Buena Park11 assumable home · median 3.92%
- 342Butte Valley11 assumable home · median 3.08%
- 343Cabazon11 assumable home · median 2.78%
- 344Calabasas11 assumable home · median 3.00%
- 345Campbell11 assumable home · median 3.04%
- 346Carmel11 assumable home · median 2.88%
- 347Castro Valley11 assumable home · median 2.87%
- 348Citrus Heights11 assumable home · median 2.86%
- 349Clayton11 assumable home · median 6.77%
- 350Coalinga11 assumable home · median 2.72%
- 351Colusa11 assumable home · median 3.62%
- 352Copperopolis11 assumable home · median 2.86%
- 353Corcoran11 assumable home · median 5.23%
- 354Coulterville11 assumable home · median 4.20%
- 355Crockett11 assumable home · median 6.50%
- 356Cudahy11 assumable home · median 3.75%
- 357Cupertino11 assumable home · median 2.29%
- 358Delano11 assumable home · median 3.55%
- 359Descanso11 assumable home · median 3.00%
- 360Duarte11 assumable home · median 2.93%
- 361Durham11 assumable home · median 2.87%
- 362El Centro11 assumable home · median 4.37%
- 363El Sobrante11 assumable home · median 2.70%
- 364Encino11 assumable home · median 4.22%
- 365Forest Ranch11 assumable home · median 6.32%
- 366Forestville11 assumable home · median 3.76%
- 367Glenhaven11 assumable home · median 3.10%
- 368Green Valley11 assumable home · median 3.02%
- 369Green Valley Lake11 assumable home · median 2.81%
- 370Grizzly Flats11 assumable home · median 6.19%
- 371Guadalupe11 assumable home · median 5.00%
- 372Harbor City11 assumable home · median 6.42%
- 373Heber11 assumable home · median 3.82%
- 374Kerman11 assumable home · median 2.81%
- 375La Habra Heights11 assumable home · median 6.62%
- 376La Palma11 assumable home · median 6.50%
- 377La Verne11 assumable home · median 2.80%
- 378Lake Los Angeles11 assumable home · median 3.82%
- 379Lamont11 assumable home · median 5.78%
- 380Lebec11 assumable home · median 3.04%
- 381Lewiston11 assumable home · median 3.71%
- 382Lindsay11 assumable home · median 5.98%
- 383Live Oak11 assumable home · median 6.79%
- 384Livingston11 assumable home · median 5.12%
- 385Llano11 assumable home · median 4.14%
- 386Lodi11 assumable home · median 3.22%
- 387Los Molinos11 assumable home · median 2.81%
- 388Los Olivos11 assumable home · median 2.99%
- 389Lower Lake11 assumable home · median 6.16%
- 390Lynwood11 assumable home · median 2.72%
- 391Lytle Creek11 assumable home · median 6.26%
- 392Marina del Rey11 assumable home · median 6.33%
- 393Menlo Park11 assumable home · median 2.77%
- 394Mentone11 assumable home · median 3.01%
- 395Milpitas11 assumable home · median 7.06%
- 396Montague11 assumable home · median 5.30%
- 397Moorpark11 assumable home · median 3.23%
- 398Moraga11 assumable home · median 3.90%
- 399Morongo Valley11 assumable home · median 6.88%
- 400Morro Bay11 assumable home · median 3.72%
- 401Murphys11 assumable home · median 3.43%
- 402Needles11 assumable home · median 6.17%
- 403Newark11 assumable home · median 6.47%
- 404Nice11 assumable home · median 3.15%
- 405North Tustin11 assumable home · median 3.54%
- 406Oak Park11 assumable home · median 3.03%
- 407Ojai11 assumable home · median 6.64%
- 408Orland11 assumable home · median 5.88%
- 409Pacific Palisades11 assumable home · median 6.10%
- 410Palo Verde11 assumable home · median 6.78%
- 411Pasadena11 assumable home · median 6.60%
- 412Pearblossom11 assumable home · median 6.87%
- 413Pine Valley11 assumable home · median 7.04%
- 414Pioneertown11 assumable home · median 2.73%
- 415Piru11 assumable home
- 416Playa Vista11 assumable home · median 2.66%
- 417Pleasant Hill11 assumable home · median 3.51%
- 418Porterville11 assumable home · median 5.52%
- 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%
- 423Riverbank11 assumable home · median 5.30%
- 424Rodeo11 assumable home · median 2.90%
- 425Romoland11 assumable home · median 3.07%
- 426Roseville11 assumable home · median 3.21%
- 427San Ardo11 assumable home · median 6.86%
- 428San Clemente11 assumable home · median 5.75%
- 429San Fernando11 assumable home · median 4.44%
- 430San Juan Capistrano11 assumable home · median 3.45%
- 431San Ysidro11 assumable home · median 6.35%
- 432Santa Barbara11 assumable home · median 2.81%
- 433Santa Monica11 assumable home · median 3.00%
- 434Santa Ysabel11 assumable home · median 2.87%
- 435Scotts Valley11 assumable home · median 3.18%
- 436Shafter11 assumable home · median 3.73%
- 437Signal Hill11 assumable home · median 3.13%
- 438Silverado11 assumable home · median 3.23%
- 439Solana Beach11 assumable home · median 4.07%
- 440Soledad11 assumable home · median 6.60%
- 441Soquel11 assumable home · median 6.90%
- 442Stevenson Ranch11 assumable home · median 6.49%
- 443Stratford11 assumable home · median 6.36%
- 444Studio City11 assumable home · median 6.00%
- 445Sugarloaf11 assumable home · median 6.92%
- 446Taft11 assumable home · median 6.74%
- 447Toluca Lake11 assumable home · median 2.95%
- 448Twentynine Palms11 assumable home · median 4.83%
- 449Twin Peaks11 assumable home · median 7.50%
- 450Val Verde11 assumable home · median 6.81%
- 451Westlake Village11 assumable home · median 3.69%
- 452Whitewater11 assumable home · median 6.71%
- 453Willits11 assumable home · median 2.96%
- 454Winters11 assumable home · median 6.14%
- 455Yreka11 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
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- Avenal
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- Baker
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- Berry Creek
- Bethel Island
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- Bieber
- Big Bar
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- Brisbane
- Brooks
- Browns Valley
- Brownsville
- Buellton
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- Buttonwillow
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- Calipatria
- Calistoga
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- Cambria
- Cameron Park
- Camino
- Camp Connell
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- Camptonville
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- Cantua Creek
- Capay
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- Cardiff by the Sea
- Carlotta
- Carmel Valley
- Carmichael
- Carnelian Bay
- Carpinteria
- Caruthers
- Casmalia
- Caspar
- Castella
- Castroville
- Catheys Valley
- Cayucos
- Cedar Glen
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- Cedarville
- Ceres
- Challenge
- Chester
- Chilcoot
- Chinese Camp
- Chualar
- City of Industry
- Clarksburg
- Clements
- Clio
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- Cloverdale
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- Cottonwood
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- Crescent City
- Crescent Mills
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- Cutler
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- Daggett
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- Davis
- Del Mar
- Del Rey
- Del Rey Oaks
- Delhi
- Denair
- Desert Center
- Diablo
- Diamond Springs
- Dillon Beach
- Dinuba
- Dixon
- Dobbins
- Dorris
- Dos Palos
- Douglas City
- Douglas Flat
- Downieville
- Doyle
- Drytown
- Ducor
- Dunlap
- Dunnigan
- Dunsmuir
- Dutch Flat
- Earlimart
- East Palo Alto
- Echo Lake
- Edwards
- El Dorado
- El Dorado Hills
- El Granada
- El Macero
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- Elk
- Elk Creek
- Elverta
- Emeryville
- Emigrant Gap
- Empire
- Escalon
- Esparto
- Essex
- Etna
- Eureka
- Exeter
- Fair Oaks
- Fairfax
- Fall River Mills
- Farmersville
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- Foresthill
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- Fowler
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- French Camp
- French Gulch
- Friant
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- Gazelle
- Georgetown
- Gerber
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- Glen Ellen
- Glencoe
- Glenn
- Gold River
- Gold Run
- Goleta
- Gonzales
- Goodyears Bar
- Graeagle
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- Grass Valley
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- Hamilton City
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- Havilah
- Hawaiian Gardens
- Hayfork
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- Hi Vista
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- Igo
- Imperial
- Inverness
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- Isleton
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- Jackson
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- June Lake
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- Keene
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- Kettleman City
- Keyes
- King City
- Kings Beach
- Kingsburg
- Kirkwood
- Klamath River
- Knights Landing
- Kyburz
- La Cañada Flintridge
- La Crescenta
- La Grange
- La Honda
- La Jolla
- La Porte
- La Selva Beach
- Ladera Ranch
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Laton
- Laytonville
- Le Grand
- Leggett
- Lincoln
- Linden
- Little River
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
- Long Barn
- Loomis
- Los Alamitos
- Los Alamos
- Los Altos
- Los Altos Hills
- Los Gatos
- Los Osos
- Lost Hills
- Lotus
- Loyalton
- Macdoel
- Madison
- Malibu
- Mammoth Lakes
- Manchester
- Manhattan Beach
- Manton
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- Markleeville
- Mather
- Maxwell
- Maywood
- McArthur
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- McKittrick
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- Mecca
- Mendocino
- Mendota
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- Mi Wuk Village
- Middletown
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- Midway City
- Milford
- Mill Creek
- Mill Valley
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- Monterey
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- Montgomery Creek
- Montrose
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- Mount Aukum
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- Paramount
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- Penn Valley
- Penryn
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- Petaluma
- Philo
- Piedmont
- Pilot Hill
- Pine Grove
- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
- Pismo Beach
- Pixley
- Placerville
- Planada
- Platina
- Playa del Rey
- Pleasant Grove
- Plumas Lake
- Plymouth
- Point Arena
- 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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- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richgrove
- Richvale
- Rimforest
- Rio Linda
- Rio Oso
- 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
- 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
- South Lake Tahoe
- 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
- Tollhouse
- Tomales
- Tranquillity
- Traver
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- Trinity Center
- Trona
- Truckee
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- Ukiah
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- Vallecito
- Valley Home
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- View Park
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- Vinton
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- Wallace
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- Wasco
- Waterford
- Wawona
- Weaverville
- Weed
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- West Point
- West Sacramento
- Westley
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- Westmorland
- Westport
- Westwood
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- Whitethorn
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- Williams
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- Wilseyville
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- Windsor
- 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 4,082 homes for sale with an assumable mortgage as of October 2026: 2,497 FHA loans and 1,585 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 5.10%; 1,667 listings are under 4% and 1,986 are under 5%.
The median assumable home in California lists for $585,000, with a median of $176,665 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 $2,315 a month versus $3,120 for the same balance at today's rate, roughly $805 kept every month and $9,660 a year. The deepest California inventory is in San Diego (233), Los Angeles (131), Victorville (98), Lancaster (97), 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 4,082 on the map Homes on the marketacross California.
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
VATop pick
Active
22$750,000$71,646 equity gap
- Rate
- 2.90%
7.40%today- Payment
- $3,139/mo
$5,222today
- 3beds
- 3baths
- 2,010sqft
27258 Narrowleaf Willow Lane, Valencia
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
- 4,082
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.10%
- Median list price
- $585,000
- Median cash to assume
- $176,665
California listings by locked rate
- Under 4%1,667 homes
- 4% – 5%319 homes
- 5% – 6%308 homes
- 6% and up1,766 homes
California listings by loan type
- FHA2,497 homesmedian 5.55%
- VA1,585 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 5.10% 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 $176,665 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 4,082 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 (2,497, median 5.55%) and VA (1,585, 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 4,082 listings is 5.10%. 1,667 listings are under 4% and 1,986 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 $2,315 per month versus $3,120 for the same balance at today's rates, a difference of about $805 every month, or $9,660 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 $176,665 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 (233), Los Angeles (131), Victorville (98), Lancaster (97), 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.