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Assumable homes for sale in Ladera Ranch, CA

52 homesFHA & VA loansrates from 2.77% vs 7.40% today

Ladera Ranch assumption guide
23 Hoya Street, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 3.01%
FHA
Active
60
$939,500$279,671 equity gap
Rate
3.01%
7.40%today
Payment
$3,112/mo
$5,104today
  • 3beds
  • 3baths
  • 1,505sqft

23 Hoya Street, Rancho Mission Viejo

31911 Via Flores #27, San Juan Capistrano, CA, 92675 — assumable VA mortgage at 3.45%
VA
Active
65
$1,199,900$281,467 equity gap
Rate
3.45%
7.40%today
Payment
$4,508/mo
$6,994today
  • 3beds
  • 2baths
  • 1,646sqft

31911 Via Flores #27, San Juan Capistrano

21946 Lakeland, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.91%
FHA
Active
45
$690,000$246,160 equity gap
Rate
2.91%
7.40%today
Payment
$2,128/mo
$3,535today
  • 3beds
  • 2baths
  • 1,392sqft

21946 Lakeland, Lake Forest

27322 Via Rioja, Mission Viejo, CA, 92691 — assumable VA mortgage at 3.11%
VA
Active
37
$1,699,000$598,091 equity gap
Rate
3.11%
7.40%today
Payment
$5,215/mo
$8,446today
  • 4beds
  • 3baths
  • 2,230sqft

27322 Via Rioja, Mission Viejo

11 Barbados Drive, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.77%
VA
Active
57
$1,240,000$605,005 equity gap
Rate
2.77%
7.40%today
Payment
$2,929/mo
$4,955today
  • 3beds
  • 3baths
  • 1,561sqft

11 Barbados Drive, Aliso Viejo

27711 Golondrina, Mission Viejo, CA, 92692 — assumable FHA mortgage at 2.79%
FHA
Active
47
$1,249,995$693,626 equity gap
Rate
2.79%
7.40%today
Payment
$2,572/mo
$4,340today
  • 3beds
  • 2baths
  • 1,470sqft

27711 Golondrina, Mission Viejo

48 Calle Del Norte, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.83%
FHA
Active
54
$1,149,999$515,388 equity gap
Rate
2.83%
7.40%today
Payment
$3,009/mo
$5,051today
  • 3beds
  • 3baths
  • 2,195sqft

48 Calle Del Norte, Rancho Santa Margarita

26872 Calle Hermosa, Dana Point, CA, 92624 — assumable VA mortgage at 2.84%
VA
Active
24
$1,199,000$872,730 equity gap
Rate
2.84%
7.40%today
Payment
$1,549/mo
$2,596today
  • —beds
  • —baths
  • 1,520sqft

26872 Calle Hermosa, Dana Point

26872 Calle Hermosa, Dana Point, CA, 92624 — assumable VA mortgage at 2.84%
VA
Active
23
$1,199,000$872,730 equity gap
Rate
2.84%
7.40%today
Payment
$1,549/mo
$2,596today
  • —beds
  • —baths
  • 1,520sqft

26872 Calle Hermosa, Dana Point

26872 Calle Hermosa, Dana Point, CA, 92624 — assumable VA mortgage at 2.84%
VA
Active
23
$1,199,000$872,730 equity gap
Rate
2.84%
7.40%today
Payment
$1,549/mo
$2,596today
  • —beds
  • —baths
  • 1,520sqft

26872 Calle Hermosa, Dana Point

68 Via Contento, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.86%
FHA
Active
23
$675,000$275,221 equity gap
Rate
2.86%
7.40%today
Payment
$1,911/mo
$3,195today
  • 2beds
  • 2baths
  • 1,117sqft

68 Via Contento, Rancho Santa Margarita

32241 Ridgeway, Laguna Niguel, CA, 92677 — assumable VA mortgage at 2.87%
VA
Active
27
$2,050,000$1,954,445 equity gap
Rate
2.87%
7.40%today
Payment
$456/mo
$762today
  • 4beds
  • 3baths
  • 2,614sqft

32241 Ridgeway, Laguna Niguel

21 Calle Verano, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 2.88%
VA
Active
53
$1,039,000$599,836 equity gap
Rate
2.88%
7.40%today
Payment
$2,119/mo
$3,534today
  • 3beds
  • 3baths
  • 1,574sqft

21 Calle Verano, Rancho Santa Margarita

28149 Manchuca, Mission Viejo, CA, 92692 — assumable VA mortgage at 2.98%
VA
Active
75
$979,999$519,495 equity gap
Rate
2.98%
7.40%today
Payment
$2,179/mo
$3,588today
  • 2beds
  • 2baths
  • 1,527sqft

28149 Manchuca, Mission Viejo

26392 Cortina Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 2.99%
VA
Active
55
$1,298,000$634,554 equity gap
Rate
2.99%
7.40%today
Payment
$3,223/mo
$5,300today
  • 4beds
  • 2baths
  • 1,924sqft

26392 Cortina Drive, Mission Viejo

87 Fuente, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.00%
FHA
Active
36
$999,900$999,900 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,687sqft

87 Fuente, Rancho Santa Margarita

25933 Via Pera #A3, Mission Viejo, CA, 92691 — assumable FHA mortgage at 3.15%
FHA
Active
27
$599,999$255,769 equity gap
Rate
3.15%
7.40%today
Payment
$1,709/mo
$2,753today
  • 2beds
  • 2baths
  • 1,024sqft

25933 Via Pera #A3, Mission Viejo

28 Pica Flor #44 #44, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 3.45%
VA
Active
25
$515,000$286,340 equity gap
Rate
3.45%
7.40%today
Payment
$1,316/mo
$2,043today
  • 2beds
  • 2baths
  • 882sqft

28 Pica Flor #44 #44, Rancho Santa Margarita

23 Via Honrado, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 3.80%
VA
Active
35
$400,000$135,475 equity gap
Rate
3.80%
7.40%today
Payment
$1,442/mo
$2,143today
  • 1beds
  • 1baths
  • 642sqft

23 Via Honrado, Rancho Santa Margarita

12 Willowbrook Ln, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.64%
FHA
Active
15
$1,040,000$468,375 equity gap
Rate
3.64%
7.40%today
Payment
$3,033/mo
$4,596today
  • 3beds
  • 3baths
  • 1,470sqft

12 Willowbrook Ln, Rancho Santa Margarita

30 Vivido Street, Rancho Mission Viejo, CA, 92694 — assumable VA mortgage at 3.69%
VA
Active
70
$2,195,000$1,777,116 equity gap
Rate
3.69%
7.40%today
Payment
$2,592/mo
$3,904today
  • 4beds
  • 4baths
  • 2,707sqft

30 Vivido Street, Rancho Mission Viejo

25012 Woodridge, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.85%
FHA
Active
75
$1,299,000$736,682 equity gap
Rate
3.85%
7.40%today
Payment
$2,994/mo
$4,422today
  • 4beds
  • 3baths
  • 2,777sqft

25012 Woodridge, Lake Forest

41 Baculo, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 4.15%
FHA
Active
61
$1,149,000$625,652 equity gap
Rate
4.15%
7.40%today
Payment
$3,146/mo
$4,482today
  • 3beds
  • 3baths
  • 1,827sqft

41 Baculo, Rancho Mission Viejo

27081 Sombras, Mission Viejo, CA, 92692 — assumable FHA mortgage at 4.41%
FHA
Active
26
$1,299,999$717,359 equity gap
Rate
4.41%
7.40%today
Payment
$3,392/mo
$4,684today
  • 4beds
  • 2baths
  • 1,472sqft

27081 Sombras, Mission Viejo

9 Brisa Ribera, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 4.45%
FHA
Active
14
$550,000$276,665 equity gap
Rate
4.45%
7.40%today
Payment
$1,640/mo
$2,254today
  • 2beds
  • 1baths
  • 918sqft

9 Brisa Ribera, Rancho Santa Margarita

26821 Estanciero Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 5.30%
VA
Active
26
$1,400,000$322,939 equity gap
Rate
5.30%
7.40%today
Payment
$6,386/mo
$7,962today
  • 4beds
  • 3baths
  • 1,875sqft

26821 Estanciero Drive, Mission Viejo

23298 Orange #4, Lake Forest, CA, 92630 — assumable FHA mortgage at 6.09%
FHA
Active
7
$375,000$23,168 equity gap
Rate
6.09%
7.40%today
Payment
$2,229/mo
$2,549today
  • 1beds
  • 1baths
  • 685sqft

23298 Orange #4, Lake Forest

22625 Wood Shadow, Lake Forest, CA, 92630 — assumable VA mortgage at 6.32%
VA
Active
43
$1,379,000$104,713 equity gap
Rate
6.32%
7.40%today
Payment
$8,237/mo
$9,194today
  • 5beds
  • 3baths
  • 2,963sqft

22625 Wood Shadow, Lake Forest

510 Bluegrass Way, Rancho Mission Viejo, CA, 92694 — assumable VA mortgage at 6.67%
VA
Active
29
$874,999$62,671 equity gap
Rate
6.67%
7.40%today
Payment
$5,283/mo
$5,686today
  • 3beds
  • 3baths
  • 1,634sqft

510 Bluegrass Way, Rancho Mission Viejo

22681 Oakgrove #426, Aliso Viejo, CA, 92656 — assumable FHA mortgage at 6.82%
FHA
Active
36
$665,000$47,957 equity gap
Rate
6.82%
7.40%today
Payment
$4,137/mo
$4,385today
  • 2beds
  • 2baths
  • 1,007sqft

22681 Oakgrove #426, Aliso Viejo

1683 Jade Road, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 7.03%
FHA
Active
23
$595,000$52,600 equity gap
Rate
7.03%
7.40%today
Payment
$3,700/mo
$3,839today
  • 1beds
  • 1baths
  • 968sqft

1683 Jade Road, Rancho Mission Viejo

42 Via Contento, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 7.06%
FHA
Active
37
$659,000$58,591 equity gap
Rate
7.06%
7.40%today
Payment
$4,112/mo
$4,254today
  • 2beds
  • 2baths
  • 1,117sqft

42 Via Contento, Rancho Santa Margarita

1300 Lasso #203, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 7.18%
FHA
Active
74
$705,000$55,924 equity gap
Rate
7.18%
7.40%today
Payment
$4,532/mo
$4,632today
  • 2beds
  • 2baths
  • 1,492sqft

1300 Lasso #203, Rancho Mission Viejo

1 Patria, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 6.13%
FHA
Active
46
$774,900$94,470 equity gap
Rate
6.13%
7.40%today
Payment
$4,328/mo
$4,929today
  • 2beds
  • 3baths
  • 1,425sqft

1 Patria, Rancho Mission Viejo

27 Palm Beach Court, Dana Point, CA, 92629 — assumable VA mortgage at 6.34%
VA
Active
39
$2,499,000$387,524 equity gap
Rate
6.34%
7.40%today
Payment
$13,238/mo
$14,746today
  • 3beds
  • 3baths
  • 2,472sqft

27 Palm Beach Court, Dana Point

23455 El Reposa, Aliso Viejo, CA, 92656 — assumable VA mortgage at 6.62%
VA
Active
35
$720,000$87,121 equity gap
Rate
6.62%
7.40%today
Payment
$4,170/mo
$4,512today
  • 3beds
  • 2baths
  • 1,240sqft

23455 El Reposa, Aliso Viejo

Assuming a mortgage in Ladera Ranch

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
2.77%
Lowest existing payment
$331 /mo
Median cash to assume
$391,578
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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