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Assumable homes for sale in Atwater, CA

35 homesFHA & VA loansrates from 2.67% vs 7.40% today

Atwater assumption guide
360 19th Street, Merced, CA, 95340 — assumable FHA mortgage at 2.99%
FHA
Active
56
$285,000$75,801 equity gap
Rate
2.99%
7.40%today
Payment
$993/mo
$1,633today
  • 2beds
  • 1baths
  • 1,084sqft

360 19th Street, Merced

2266 Nebela, Atwater, CA, 95301 — assumable FHA mortgage at 2.71%
FHA
Active
36
$475,000$159,632 equity gap
Rate
2.71%
7.40%today
Payment
$1,473/mo
$2,511today
  • 4beds
  • 2baths
  • 2,110sqft

2266 Nebela, Atwater

3347 Stacey Court, Atwater, CA, 95301 — assumable FHA mortgage at 2.94%
FHA
Active
11
$350,000$108,865 equity gap
Rate
2.94%
7.40%today
Payment
$1,163/mo
$1,924today
  • 4beds
  • 2baths
  • 1,559sqft

3347 Stacey Court, Atwater

3362 San Jacinto Ct, Merced, CA, 95348 — assumable VA mortgage at 2.98%
VA
Active
13
$350,000$129,291 equity gap
Rate
2.98%
7.40%today
Payment
$1,074/mo
$1,768today
  • 3beds
  • 2baths
  • 1,635sqft

3362 San Jacinto Ct, Merced

756 Brianne Court, Merced, CA, 95341 — assumable FHA mortgage at 2.67%
FHA
Active
23
$385,000$156,754 equity gap
Rate
2.67%
7.40%today
Payment
$1,059/mo
$1,814today
  • 3beds
  • 2baths
  • 1,214sqft

756 Brianne Court, Merced

1625 Osborn Terrace, Atwater, CA, 95301 — assumable VA mortgage at 3.10%
VA
Active
34
$379,000$271,397 equity gap
Rate
3.10%
7.40%today
Payment
$510/mo
$827today
  • 3beds
  • 2baths
  • 1,346sqft

1625 Osborn Terrace, Atwater

902 20th Street, Merced, CA, 95340 — assumable FHA mortgage at 4.42%
FHA
Active
48
$329,900$57,371 equity gap
Rate
4.42%
7.40%today
Payment
$1,479/mo
$2,040today
  • 2beds
  • 1baths
  • 1,378sqft

902 20th Street, Merced

767 Taryn Court, Merced, CA, 95341 — assumable FHA mortgage at 3.16%
FHA
Active
12
$335,000$165,459 equity gap
Rate
3.16%
7.40%today
Payment
$841/mo
$1,353today
  • 3beds
  • 2baths
  • 1,000sqft

767 Taryn Court, Merced

208 Leslie Drive, Atwater, CA, 95301 — assumable VA mortgage at 3.28%
VA
Active
21
$425,000$345,797 equity gap
Rate
3.28%
7.40%today
Payment
$489/mo
$724today
  • 3beds
  • 2baths
  • 1,504sqft

208 Leslie Drive, Atwater

3207 Manzanita, Atwater, CA, 95301 — assumable FHA mortgage at 4.72%
FHA
Active
44
$469,000$72,329 equity gap
Rate
4.72%
7.40%today
Payment
$2,220/mo
$2,957today
  • 4beds
  • 2baths
  • 1,876sqft

3207 Manzanita, Atwater

2618 Hoover Court, Merced, CA, 95340 — assumable FHA mortgage at 5.09%
FHA
Active
26
$374,000$30,354 equity gap
Rate
5.09%
7.40%today
Payment
$1,992/mo
$2,543today
  • 3beds
  • 2baths
  • 1,220sqft

2618 Hoover Court, Merced

726 Skyler Court, Merced, CA, 95348 — assumable FHA mortgage at 6.37%
FHA
Active
43
$436,500$22,821 equity gap
Rate
6.37%
7.40%today
Payment
$2,589/mo
$2,875today
  • 3beds
  • 2baths
  • 1,435sqft

726 Skyler Court, Merced

1975 Alexander, Merced, CA, 95340 — assumable FHA mortgage at 6.71%
FHA
Active
32
$422,000Potential short sale
Rate
6.71%
7.40%today
Payment
$2,822/mo
$3,025today
  • 4beds
  • 2baths
  • 1,981sqft

1975 Alexander, Merced

5082 Palisade, Merced, CA, 95348 — assumable VA mortgage at 6.89%
VA
Active
31
$419,999$14,290 equity gap
Rate
6.89%
7.40%today
Payment
$2,728/mo
$2,871today
  • 4beds
  • 3baths
  • 1,687sqft

5082 Palisade, Merced

670 Elizabeth Court, Merced, CA, 95341 — assumable FHA mortgage at 7.09%
FHA
Active
19
$405,000$16,974 equity gap
Rate
7.09%
7.40%today
Payment
$2,663/mo
$2,746today
  • 4beds
  • 2baths
  • 1,509sqft

670 Elizabeth Court, Merced

3156 Nottingham, Merced, CA, 95340 — assumable VA mortgage at 6.30%
VA
Active
43
$390,000$28,870 equity gap
Rate
6.30%
7.40%today
Payment
$2,244/mo
$2,510today
  • 3beds
  • 2baths
  • 1,404sqft

3156 Nottingham, Merced

2049 Spy Glass Court, Merced, CA, 95340 — assumable VA mortgage at 6.35%
VA
Active
45
$525,000$31,747 equity gap
Rate
6.35%
7.40%today
Payment
$3,099/mo
$3,448today
  • 4beds
  • 3baths
  • 1,917sqft

2049 Spy Glass Court, Merced

2782 STORY Avenue, Merced, CA, 95340 — assumable FHA mortgage at 6.73%
FHA
Active
22
$379,000$34,460 equity gap
Rate
6.73%
7.40%today
Payment
$2,320/mo
$2,481today
  • 3beds
  • 2baths
  • 1,486sqft

2782 STORY Avenue, Merced

209 Grand View Court, Merced, CA, 95341 — assumable FHA mortgage at 7.09%
FHA
Active
35
$409,500$23,514 equity gap
Rate
7.09%
7.40%today
Payment
$2,675/mo
$2,759today
  • 4beds
  • 2baths
  • 1,513sqft

209 Grand View Court, Merced

4180 Adobe Court, Merced, CA, 95348 — assumable FHA mortgage at 7.17%
FHA
Active
35
$499,000$30,487 equity gap
Rate
7.17%
7.40%today
Payment
$3,243/mo
$3,318today
  • 4beds
  • 3baths
  • 1,941sqft

4180 Adobe Court, Merced

Kiwi, Merced, CA, 95340 — assumable FHA mortgage at 6.11%
FHA
Active
37
$454,900$86,595 equity gap
Rate
6.11%
7.40%today
Payment
$2,353/mo
$2,685today
  • 3beds
  • 2baths
  • 1,591sqft

Kiwi, Merced

1068 Kiwi Court, Merced, CA, 95340 — assumable FHA mortgage at 6.29%
FHA
Active
39
$454,900$85,995 equity gap
Rate
6.29%
7.40%today
Payment
$2,398/mo
$2,685today
  • 3beds
  • 2baths
  • 1,591sqft

1068 Kiwi Court, Merced

Rose Avenue, Merced, CA, 95341 — assumable FHA mortgage at 6.36%
FHA
Active
23
$310,000$52,058 equity gap
Rate
6.36%
7.40%today
Payment
$1,682/mo
$1,870today
  • 3beds
  • 2baths
  • 986sqft

Rose Avenue, Merced

1653 Almond Ave, Merced, CA, 95341 — assumable FHA mortgage at 6.65%
FHA
Active
21
$309,000$35,416 equity gap
Rate
6.65%
7.40%today
Payment
$1,781/mo
$1,921today
  • 3beds
  • 1baths
  • 990sqft

1653 Almond Ave, Merced

1264 Verdon Court, Merced, CA, 95348 — assumable FHA mortgage at 6.73%
FHA
Active
22
$515,000$76,772 equity gap
Rate
6.73%
7.40%today
Payment
$2,898/mo
$3,100today
  • 4beds
  • 3baths
  • 2,943sqft

1264 Verdon Court, Merced

3224 Nashville Court, Merced, CA, 95348 — assumable FHA mortgage at 6.81%
FHA
Active
23
$485,000$50,296 equity gap
Rate
6.81%
7.40%today
Payment
$2,878/mo
$3,053today
  • —beds
  • —baths
  • 2,287sqft

3224 Nashville Court, Merced

753 Andrea Drive, Merced, CA, 95348 — assumable VA mortgage at 6.82%
VA
Active
22
$437,950$48,541 equity gap
Rate
6.82%
7.40%today
Payment
$2,616/mo
$2,773today
  • 3beds
  • 2baths
  • 1,620sqft

753 Andrea Drive, Merced

2660 5th Avenue, Merced, CA, 95340 — assumable FHA mortgage at 4.80%
FHA
Active
39
$379,000$303,546 equity gap
Rate
4.80%
7.40%today
Payment
$596/mo
$786today
  • 2beds
  • 2baths
  • 1,672sqft

2660 5th Avenue, Merced

1814 White Pines Court, Atwater, CA, 95301 — assumable FHA mortgage at 5.04%
FHA
Active
36
$495,000$401,783 equity gap
Rate
5.04%
7.40%today
Payment
$805/mo
$1,033today
  • 3beds
  • 2baths
  • 1,705sqft

1814 White Pines Court, Atwater

924 Dosangh Court, Livingston, CA, 95334 — assumable FHA mortgage at 5.12%
FHA
Active
41
$500,000$371,171 equity gap
Rate
5.12%
7.40%today
Payment
$1,089/mo
$1,386today
  • 4beds
  • 3baths
  • 2,247sqft

924 Dosangh Court, Livingston

1291 Spruce, Atwater, CA, 95301 — assumable FHA mortgage at 5.13%
FHA
Active
5
$375,000$163,202 equity gap
Rate
5.13%
7.40%today
Payment
$1,220/mo
$1,550today
  • 3beds
  • 2baths
  • 1,226sqft

1291 Spruce, Atwater

1824 Augusta, Atwater, CA, 95301 — assumable VA mortgage at 6.02%
VA
Active
39
$435,000$131,374 equity gap
Rate
6.02%
7.40%today
Payment
$1,923/mo
$2,216today
  • 3beds
  • 2baths
  • 1,487sqft

1824 Augusta, Atwater

3125 Parsons, Merced, CA, 95340 — assumable FHA mortgage at 6.44%
FHA
Active
34
$375,000$365,094 equity gap
Rate
6.44%
7.40%today
Payment
$75/mo
$81today
  • 4beds
  • 2baths
  • 1,569sqft

3125 Parsons, Merced

2993 Parsons, Merced, CA, 95340 — assumable FHA mortgage at 6.65%
FHA
Active
2
$263,250$251,680 equity gap
Rate
6.65%
7.40%today
Payment
$78/mo
$84today
  • 3beds
  • 2baths
  • 1,008sqft

2993 Parsons, Merced

284 Zion Canyon Ct, Merced, CA, 95341 — assumable FHA mortgage at 6.89%
FHA
Active
28
$408,000$397,065 equity gap
Rate
6.89%
7.40%today
Payment
$73/mo
$77today
  • 4beds
  • 2baths
  • 1,515sqft

284 Zion Canyon Ct, Merced

Assuming a mortgage in Atwater

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
2.67%
Lowest existing payment
$489 /mo
Median cash to assume
$81,383
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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