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Assumable homes for sale in Lafayette, CA

26 homesFHA & VA loansrates from 2.66% vs 7.40% today

Lafayette assumption guide
4344 Saint Charles Pl, Concord, CA, 94521 — assumable FHA mortgage at 2.80%
FHA
Active
33
$499,000$74,940 equity gap
Rate
2.80%
7.40%today
Payment
$2,009/mo
$3,386today
  • 3beds
  • 2baths
  • 1,088sqft

4344 Saint Charles Pl, Concord

273 Beauforest Dr, Oakland, CA, 94611 — assumable FHA mortgage at 3.20%
FHA
Active
42
$695,000$95,980 equity gap
Rate
3.20%
7.40%today
Payment
$2,989/mo
$4,786today
  • 2beds
  • 1baths
  • 506sqft

273 Beauforest Dr, Oakland

1465 Cortez Ct, Walnut Creek, CA, 94598 — assumable VA mortgage at 2.90%
VA
Active
55
$1,649,000$347,655 equity gap
Rate
2.90%
7.40%today
Payment
$6,132/mo
$10,200today
  • 5beds
  • 3baths
  • 2,606sqft

1465 Cortez Ct, Walnut Creek

731 Hamilton Dr, Pleasant Hill, CA, 94523 — assumable VA mortgage at 3.51%
VA
Active
39
$1,495,000$199,004 equity gap
Rate
3.51%
7.40%today
Payment
$5,319/mo
$8,921today
  • 4beds
  • 2baths
  • 1,948sqft

731 Hamilton Dr, Pleasant Hill

1526 Parkwood Pl, Concord, CA, 94521 — assumable VA mortgage at 2.70%
VA
Active
44
$395,000$119,538 equity gap
Rate
2.70%
7.40%today
Payment
$1,282/mo
$2,188today
  • 3beds
  • 2baths
  • 1,191sqft

1526 Parkwood Pl, Concord

3961 Mulberry Drive, Concord, CA, 94519-1216 — assumable VA mortgage at 2.66%
VA
Active
29
$850,000$508,561 equity gap
Rate
2.66%
7.40%today
Payment
$1,582/mo
$2,714today
  • 3beds
  • 2baths
  • 1,836sqft

3961 Mulberry Drive, Concord

977 24Th St, Oakland, CA, 94607 — assumable VA mortgage at 2.80%
VA
Active
8
$634,500Potential short sale
Rate
2.80%
7.40%today
Payment
$3,616/mo
$6,093today
  • 2beds
  • 3baths
  • 1,552sqft

977 24Th St, Oakland

1820 Enclave Pl, Concord, CA, 94519 — assumable FHA mortgage at 2.90%
FHA
Active
43
$629,000Potential short sale
Rate
2.90%
7.40%today
Payment
$3,054/mo
$5,080today
  • 3beds
  • 3baths
  • 1,368sqft

1820 Enclave Pl, Concord

3131 Cowell Rd, Concord, CA, 94518 — assumable FHA mortgage at 3.07%
FHA
Active
31
$699,000$494,519 equity gap
Rate
3.07%
7.40%today
Payment
$969/mo
$1,577today
  • 3beds
  • 2baths
  • 1,137sqft

3131 Cowell Rd, Concord

643 Sutton Ct, Walnut Creek, CA, 94598 — assumable VA mortgage at 3.13%
VA
Active
32
$1,298,000$959,841 equity gap
Rate
3.13%
7.40%today
Payment
$1,970/mo
$2,999today
  • 4beds
  • 2baths
  • 1,756sqft

643 Sutton Ct, Walnut Creek

449 Merritt Ave, Oakland, CA, 94610 — assumable VA mortgage at 3.21%
VA
Active
105
$5,500,000$4,231,755 equity gap
Rate
3.21%
7.40%today
Payment
$6,062/mo
$9,693today
  • —beds
  • —baths
  • 10,926sqft

449 Merritt Ave, Oakland

3 Wildwood Place, Richmond, CA, 94803 — assumable FHA mortgage at 3.60%
FHA
Active
52
$960,000$351,725 equity gap
Rate
3.60%
7.40%today
Payment
$3,214/mo
$4,895today
  • 4beds
  • 3baths
  • 2,781sqft

3 Wildwood Place, Richmond

3131 Magnolia ST, Oakland, CA, 94608 — assumable FHA mortgage at 5.10%
FHA
Active
27
$815,000Potential short sale
Rate
5.10%
7.40%today
Payment
$4,772/mo
$6,085today
  • 6beds
  • 3baths
  • 2,584sqft

3131 Magnolia ST, Oakland

5075 Alhambra Valley Rd, Martinez, CA, 94553 — assumable VA mortgage at 3.65%
VA
Active
68
$1,599,000$1,329,965 equity gap
Rate
3.65%
7.40%today
Payment
$1,604/mo
$2,428today
  • 3beds
  • 3baths
  • 2,228sqft

5075 Alhambra Valley Rd, Martinez

829 Stonehaven Dr, Walnut Creek, CA, 94598 — assumable VA mortgage at 3.75%
VA
Active
43
$1,995,000$1,186,393 equity gap
Rate
3.75%
7.40%today
Payment
$4,367/mo
$6,529today
  • 4beds
  • 3baths
  • 2,894sqft

829 Stonehaven Dr, Walnut Creek

651 Moraga Road #17, Moraga, CA, 94556 — assumable FHA mortgage at 3.90%
FHA
Active
46
$598,000$369,592 equity gap
Rate
3.90%
7.40%today
Payment
$1,645/mo
$2,414today
  • 2beds
  • 2baths
  • 1,144sqft

651 Moraga Road #17, Moraga

1919 Aspenridge Ct, Walnut Creek, CA, 94597 — assumable VA mortgage at 4.05%
VA
Active
46
$1,198,000$912,861 equity gap
Rate
4.05%
7.40%today
Payment
$2,051/mo
$2,956today
  • 3beds
  • 3baths
  • 2,549sqft

1919 Aspenridge Ct, Walnut Creek

3121 Cowell Rd, Concord, CA, 94518 — assumable FHA mortgage at 4.38%
FHA
Active
22
$760,000$292,937 equity gap
Rate
4.38%
7.40%today
Payment
$2,791/mo
$3,868today
  • 4beds
  • 2baths
  • 1,491sqft

3121 Cowell Rd, Concord

2685 Richard Ave, Concord, CA, 94520 — assumable FHA mortgage at 6.92%
FHA
Active
54
$695,000$23,023 equity gap
Rate
6.92%
7.40%today
Payment
$4,536/mo
$4,759today
  • 5beds
  • 2baths
  • 1,593sqft

2685 Richard Ave, Concord

195 Pleasant Valley Drive, Walnut Creek, CA, 94597 — assumable VA mortgage at 6.35%
VA
Active
69
$1,699,999$170,523 equity gap
Rate
6.35%
7.40%today
Payment
$9,738/mo
$10,836today
  • 3beds
  • 2baths
  • 2,126sqft

195 Pleasant Valley Drive, Walnut Creek

4628 Fieldbrook Rd, Oakland, CA, 94619 — assumable FHA mortgage at 6.44%
FHA
Active
40
$1,149,460$36,020 equity gap
Rate
6.44%
7.40%today
Payment
$7,154/mo
$7,885today
  • 4beds
  • 3baths
  • 1,943sqft

4628 Fieldbrook Rd, Oakland

2135 Rock Pass Pl, Martinez, CA, 94553 — assumable VA mortgage at 6.50%
VA
Active
38
$755,000$98,392 equity gap
Rate
6.50%
7.40%today
Payment
$4,205/mo
$4,607today
  • 3beds
  • 3baths
  • 1,602sqft

2135 Rock Pass Pl, Martinez

5251 Pebble Glen Dr, Concord, CA, 94521 — assumable FHA mortgage at 6.50%
FHA
Active
19
$699,999$202,941 equity gap
Rate
6.50%
7.40%today
Payment
$3,183/mo
$3,487today
  • 3beds
  • 3baths
  • 1,683sqft

5251 Pebble Glen Dr, Concord

3056 22nd Ave, Oakland, CA, 94602 — assumable FHA mortgage at 6.43%
FHA
Active
56
$829,000Potential short sale
Rate
6.43%
7.40%today
Payment
$6,809/mo
$7,513today
  • 3beds
  • 2baths
  • 1,955sqft

3056 22nd Ave, Oakland

3019 Florida St, Oakland, CA, 94602 — assumable FHA mortgage at 6.50%
FHA
Active
13
$599,000Potential short sale
Rate
6.50%
7.40%today
Payment
$4,735/mo
$5,187today
  • —beds
  • —baths
  • —sqft

3019 Florida St, Oakland

2596 Oak Rd #275, Walnut Creek, CA, 94597 — assumable FHA mortgage at 6.95%
FHA
Active
47
$549,000Potential short sale
Rate
6.95%
7.40%today
Payment
$4,290/mo
$4,487today
  • 2beds
  • 3baths
  • 1,168sqft

2596 Oak Rd #275, Walnut Creek

Assuming a mortgage in Lafayette

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
2.66%
Lowest existing payment
$969 /mo
Median cash to assume
$320,296
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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