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Assumable homes for sale in Oceanside, CA

14 homesVA & FHA loansrates from 2.66% vs 7.40% today

Oceanside assumption guide
3316 Campo Azul Ct, Carlsbad, CA, 92010 — assumable VA mortgage at 2.66%
VA
Active
43
$849,000$369,496 equity gap
Rate
2.66%
7.40%today
Payment
$2,227/mo
$3,821today
  • 3beds
  • 3baths
  • 1,420sqft

3316 Campo Azul Ct, Carlsbad

4025 Ivey Vista Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.77%
VA
Active
35
$880,000$559,430 equity gap
Rate
2.77%
7.40%today
Payment
$1,475/mo
$2,496today
  • 3beds
  • 3baths
  • 1,438sqft

4025 Ivey Vista Way, Oceanside

2787 Thunder Dr, Oceanside, CA, 92056 — assumable VA mortgage at 2.81%
VA
Active
42
$760,000$526,047 equity gap
Rate
2.81%
7.40%today
Payment
$1,099/mo
$1,850today
  • 4beds
  • 2baths
  • 1,456sqft

2787 Thunder Dr, Oceanside

1039 Plover Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.90%
VA
Active
26
$505,000$230,281 equity gap
Rate
2.90%
7.40%today
Payment
$1,280/mo
$2,129today
  • 2beds
  • 2baths
  • 1,050sqft

1039 Plover Way, Oceanside

3525 Paseo De Elenita #171, Oceanside, CA, 92056 — assumable FHA mortgage at 3.00%
FHA
Active
27
$525,000$525,000 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,093sqft

3525 Paseo De Elenita #171, Oceanside

4136 Sitio Flor, Oceanside, CA, 92057 — assumable VA mortgage at 3.47%
VA
Active
26
$659,990$254,367 equity gap
Rate
3.47%
7.40%today
Payment
$2,082/mo
$3,222today
  • 3beds
  • 3baths
  • 1,366sqft

4136 Sitio Flor, Oceanside

225 Borrego Ct, Oceanside, CA, 92057 — assumable VA mortgage at 3.55%
VA
Active
23
$1,495,000$840,107 equity gap
Rate
3.55%
7.40%today
Payment
$3,250/mo
$4,979today
  • 5beds
  • 3baths
  • 3,277sqft

225 Borrego Ct, Oceanside

1495 Enchante Way, Oceanside, CA, 92056 — assumable VA mortgage at 4.51%
VA
Active
68
$960,000$265,514 equity gap
Rate
4.51%
7.40%today
Payment
$4,134/mo
$5,643today
  • 4beds
  • 3baths
  • 2,227sqft

1495 Enchante Way, Oceanside

320 Grapevine Rd #2, Vista, CA, 92083 — assumable VA mortgage at 6.44%
VA
Active
22
$559,000$53,076 equity gap
Rate
6.44%
7.40%today
Payment
$3,240/mo
$3,572today
  • 2beds
  • 2baths
  • 982sqft

320 Grapevine Rd #2, Vista

4248 Mission Ranch Way, Oceanside, CA, 92057 — assumable VA mortgage at 7.09%
VA
Active
44
$755,000$43,600 equity gap
Rate
7.09%
7.40%today
Payment
$4,886/mo
$5,039today
  • 3beds
  • 3baths
  • 1,548sqft

4248 Mission Ranch Way, Oceanside

3239 Calle Osuna, Oceanside, CA, 92056 — assumable VA mortgage at 6.17%
VA
Active
13
$599,000$73,230 equity gap
Rate
6.17%
7.40%today
Payment
$3,235/mo
$3,669today
  • 2beds
  • 1baths
  • 827sqft

3239 Calle Osuna, Oceanside

2382 Maravilla Way, Oceanside, CA, 92056 — assumable FHA mortgage at 6.73%
FHA
Active
17
$799,900$80,927 equity gap
Rate
6.73%
7.40%today
Payment
$4,754/mo
$5,086today
  • 3beds
  • 3baths
  • 1,486sqft

2382 Maravilla Way, Oceanside

3755 Vista Campana #42, Oceanside, CA, 92057 — assumable FHA mortgage at 6.82%
FHA
Active
5
$469,900$48,015 equity gap
Rate
6.82%
7.40%today
Payment
$2,829/mo
$2,998today
  • 2beds
  • 2baths
  • 1,274sqft

3755 Vista Campana #42, Oceanside

4374 Nautilus Way #1, Oceanside, CA, 92056 — assumable FHA mortgage at 6.50%
FHA
Active
45
$849,000$849,000 equity gap
Rate
6.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 4baths
  • 1,702sqft

4374 Nautilus Way #1, Oceanside

Assuming a mortgage in Oceanside

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
$1,099 /mo
Median cash to assume
$259,940
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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