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Assumable homes for sale in El Cajon, CA

10 homesVA & FHA loansrates from 2.88% vs 7.40% today

El Cajon assumption guide
11937 Royal Road #B, El Cajon, CA, 92021 — assumable FHA mortgage at 2.88%
FHA
Active
5
$499,999$177,378 equity gap
Rate
2.88%
7.40%today
Payment
$1,500/mo
$2,501today
  • 3beds
  • 2baths
  • 1,323sqft

11937 Royal Road #B, El Cajon

9209 Lakeview Terrace, Lakeside, CA, 92040 — assumable VA mortgage at 3.00%
VA
Active
39
$819,900$283,068 equity gap
Rate
3.00%
7.40%today
Payment
$2,534/mo
$4,162today
  • 3beds
  • 2baths
  • 1,750sqft

9209 Lakeview Terrace, Lakeside

1163 Tucson Court, El Cajon, CA, 92021 — assumable VA mortgage at 2.94%
VA
Active
34
$799,000$408,859 equity gap
Rate
2.94%
7.40%today
Payment
$1,842/mo
$3,049today
  • 3beds
  • 2baths
  • 2,022sqft

1163 Tucson Court, El Cajon

513 Shady Ln #B, El Cajon, CA, 92021 — assumable VA mortgage at 4.98%
VA
Active
47
$429,000$32,415 equity gap
Rate
4.98%
7.40%today
Payment
$2,276/mo
$2,943today
  • 2beds
  • 2baths
  • 1,088sqft

513 Shady Ln #B, El Cajon

8809 Los Coches Rd, Lakeside, CA, 92040 — assumable VA mortgage at 5.00%
VA
Active
42
$669,000$195,787 equity gap
Rate
5.00%
7.40%today
Payment
$2,722/mo
$3,510today
  • 4beds
  • 2baths
  • 1,350sqft

8809 Los Coches Rd, Lakeside

1362 Joliet Street, El Cajon, CA, 92019 — assumable FHA mortgage at 6.50%
FHA
Active
39
$699,999Potential short sale
Rate
6.50%
7.40%today
Payment
$4,841/mo
$5,303today
  • 3beds
  • 2baths
  • 1,326sqft

1362 Joliet Street, El Cajon

1465 Lexington Avenue #10A, El Cajon, CA, 92019 — assumable VA mortgage at 7.19%
VA
Active
49
$625,000$30,286 equity gap
Rate
7.19%
7.40%today
Payment
$4,156/mo
$4,244today
  • 3beds
  • 3baths
  • 1,225sqft

1465 Lexington Avenue #10A, El Cajon

13712 Ridge Hill, El Cajon, CA, 92021 — assumable VA mortgage at 6.02%
VA
Active
20
$635,000$109,783 equity gap
Rate
6.02%
7.40%today
Payment
$3,326/mo
$3,833today
  • 3beds
  • 2baths
  • 1,529sqft

13712 Ridge Hill, El Cajon

1475 Lily Avenue, El Cajon, CA, 92021 — assumable FHA mortgage at 6.46%
FHA
Active
35
$774,976$89,217 equity gap
Rate
6.46%
7.40%today
Payment
$4,415/mo
$4,856today
  • 3beds
  • 2baths
  • 1,573sqft

1475 Lily Avenue, El Cajon

8445 Vista Del Cajon Pl, Lakeside, CA, 92040 — assumable VA mortgage at 5.25%
VA
Active
34
$874,000$268,190 equity gap
Rate
5.25%
7.40%today
Payment
$3,574/mo
$4,481today
  • 3beds
  • 3baths
  • 1,596sqft

8445 Vista Del Cajon Pl, Lakeside

Assuming a mortgage in El Cajon

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
2.88%
Lowest existing payment
$1,500 /mo
Median cash to assume
$177,378
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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