FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.40%today- Payment
- $2,182/mo
$3,539today
- 4beds
- 3baths
- 2,050sqft
Palmdale, California
Assumable homes for salein Palmdale, California.
57 homes in Palmdale carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Palmdale assumable market
by the numbers.
57active assumable listings
2.67%lowest locked rate
$545kmedian list price
$847saved per month vs. 7.2%
About the market
Assumable mortgagesin Palmdale, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Palmdale. Updated October 2026.
How assumptions work for buyersPalmdale, California has 57 homes for sale with an assumable mortgage as of October 2026: 47 FHA loans and 10 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 Palmdale assumable listings start at 2.67% with a median of 5.55%; 20 listings are under 4% and 24 are under 5%.
The median assumable home in Palmdale lists for $544,999, with a median of $178,193 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 $2,323 a month versus $3,170 for the same balance at today's rate, roughly $847 kept every month and $10,166 a year. The most active Palmdale ZIP codes are 93551 (26), 93550 (16), 93552 (10), and 93591 (5).
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 Palmdale assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Palmdale
View all 57 on the map Homes on the marketin Palmdale.
FHA
Active
48$539,999$104,445 equity gap
- Rate
- 2.67%
7.40%today- Payment
- $2,015/mo
$3,454today
- 4beds
- 3baths
- 2,328sqft
37612 Limelight, Palmdale
VA
Active
55$610,000$111,190 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $2,355/mo
$3,877today
- 4beds
- 3baths
- 2,394sqft
39749 Gorham Lane, Palmdale
FHA
Active
40$474,999$83,980 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,854/mo
$3,007today
- 3beds
- 2baths
- 1,945sqft
44340 Acacia, Lancaster
VA
Active
33$499,900$129,194 equity gap
- Rate
- 2.125%
7.40%today- Payment
- $1,623/mo
$2,989today
- 4beds
- 3baths
- 2,089sqft
42910 Burlwood, Lancaster
FHA
Active
48$689,900$182,091 equity gap
- Rate
- 2.97%
7.40%today- Payment
- $2,411/mo
$3,975today
- 4beds
- 3baths
- 2,731sqft
3993 Saddle, Palmdale
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 Palmdale.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 57
- UMe Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 5.55%
- Median list price
- $544,999
- Median cash to assume
- $178,193
Palmdale listings by locked rate
- Under 4%20 homes
- 4% – 5%4 homes
- 5% – 6%7 homes
- 6% and up26 homes
Palmdale listings by loan type
- FHA47 homesmedian 5.55%
- VA10 homesmedian 5.59%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Palmdale ZIP code.
Each ZIP opens the Palmdale map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Palmdale numbers
What an assumable ratedoes to a Palmdale payment.
The sliders start at the median Palmdale assumable listing: $544,999 list price and a 5.55% 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)$180,000
33% 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 Palmdale
$2,212/mo
New loan at 7.20%$2,478
Assumed at 5.55%
$2,212
Every month$265
Over five years$15,905
Interest you never pay$201,62826-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 Palmdale listing on UMe shows the actual balance, rate, and payment.
How it works in Palmdale
How to assumea mortgage in Palmdale.
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 Palmdale home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Palmdale 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 $178,193 in Palmdale 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 Palmdale payment written in a different decade.
Palmdale questions
Assuming a mortgagein Palmdale.
The numbers below come from current Palmdale inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Palmdale?
As of October 2026, UMe tracks 57 active assumable listings in Palmdale. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Palmdale?
Current Palmdale inventory breaks down as FHA (47, median 5.55%) and VA (10, median 5.59%). 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 Palmdale?
The lowest rate on an active Palmdale assumable listing is 2.67%, and the median across all 57 listings is 5.55%. 20 listings are under 4% and 24 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 Palmdale?
Across current Palmdale listings, the median principal-and-interest payment on the assumable loan is $2,323 per month versus $3,170 for the same balance at today's rates, a difference of about $847 every month, or $10,166 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 Palmdale?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Palmdale that gap is currently a median of $178,193 on a median list price of $544,999. 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 Palmdale ZIP codes have the most assumable homes?
The Palmdale ZIP codes with the most active assumable listings are 93551 (26), 93550 (16), 93552 (10), and 93591 (5). 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 Palmdale?
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 Palmdale.The rate is already on the house.
Every listing on the Palmdale map has a rate you can take over. Start with the ones in Palmdale, get pre-qualified in minutes, and let UMe carry the assumption to closing.