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Assumable homes for sale in Palm Desert, CA

98 homesFHA & VA loansrates from 2.50% vs 7.40% today

Palm Desert assumption guide
259 Desert Falls Drive, Palm Desert, CA, 92211 — assumable VA mortgage at 2.98%
VA
Active
37
$327,500$52,524 equity gap
Rate
2.98%
7.40%today
Payment
$1,307/mo
$2,152today
  • 2beds
  • 2baths
  • 1,330sqft

259 Desert Falls Drive, Palm Desert

48944 Desert Flower, Palm Desert, CA, 92260 — assumable FHA mortgage at 3.10%
FHA
Active
15
$355,000$63,439 equity gap
Rate
3.10%
7.40%today
Payment
$1,380/mo
$2,237today
  • 3beds
  • 2baths
  • 1,348sqft

48944 Desert Flower, Palm Desert

82796 Mount Riley Drive, Indio, CA, 92203 — assumable VA mortgage at 2.98%
VA
Active
24
$613,000$168,631 equity gap
Rate
2.98%
7.40%today
Payment
$2,103/mo
$3,462today
  • 5beds
  • 5baths
  • 3,269sqft

82796 Mount Riley Drive, Indio

40159 Camino Montecito, Indio, CA, 92203 — assumable VA mortgage at 2.50%
VA
Active
57
$475,000$172,319 equity gap
Rate
2.50%
7.40%today
Payment
$1,368/mo
$2,397today
  • 2beds
  • 2baths
  • 1,823sqft

40159 Camino Montecito, Indio

43289 Lacovia Drive, Bermuda Dunes, CA, 92203 — assumable VA mortgage at 2.66%
VA
Active
39
$468,000$161,433 equity gap
Rate
2.66%
7.40%today
Payment
$1,420/mo
$2,437today
  • 3beds
  • 3baths
  • 2,304sqft

43289 Lacovia Drive, Bermuda Dunes

37443 Mojave Sage Street, Palm Desert, CA, 92211 — assumable VA mortgage at 2.71%
VA
Active
24
$529,990$207,386 equity gap
Rate
2.71%
7.40%today
Payment
$1,506/mo
$2,568today
  • 3beds
  • 2baths
  • 1,858sqft

37443 Mojave Sage Street, Palm Desert

38820 Desert Greens Drive, Palm Desert, CA, 92260 — assumable VA mortgage at 2.78%
VA
Active
33
$379,000$118,399 equity gap
Rate
2.78%
7.40%today
Payment
$1,206/mo
$2,038today
  • 2beds
  • 2baths
  • 1,800sqft

38820 Desert Greens Drive, Palm Desert

32957 Pueblo Trail, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.81%
FHA
Active
57
$550,000$218,182 equity gap
Rate
2.81%
7.40%today
Payment
$1,555/mo
$2,617today
  • 5beds
  • 3baths
  • 1,904sqft

32957 Pueblo Trail, Cathedral City

32957 Pueblo Trail, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.81%
FHA
Active
57
$550,000$218,182 equity gap
Rate
2.81%
7.40%today
Payment
$1,555/mo
$2,617today
  • 5beds
  • 3baths
  • 1,904sqft

32957 Pueblo Trail, Cathedral City

1914 Marguerite Street, Palm Springs, CA, 92264 — assumable VA mortgage at 2.89%
VA
Active
11
$725,000$227,217 equity gap
Rate
2.89%
7.40%today
Payment
$2,381/mo
$3,967today
  • 3beds
  • 2baths
  • 1,550sqft

1914 Marguerite Street, Palm Springs

53595 Avenida Diaz, La Quinta, CA, 92253 — assumable VA mortgage at 3.07%
VA
Active
60
$635,000$214,712 equity gap
Rate
3.07%
7.40%today
Payment
$1,991/mo
$3,240today
  • 3beds
  • 2baths
  • 1,426sqft

53595 Avenida Diaz, La Quinta

80884 Camino San Lucas, Indio, CA, 92203 — assumable VA mortgage at 2.66%
VA
Active
57
$535,000$256,800 equity gap
Rate
2.66%
7.40%today
Payment
$1,274/mo
$2,185today
  • 3beds
  • 3baths
  • 2,376sqft

80884 Camino San Lucas, Indio

49673 Redford Way, Indio, CA, 92201 — assumable VA mortgage at 2.72%
VA
Active
63
$699,000$302,634 equity gap
Rate
2.72%
7.40%today
Payment
$1,857/mo
$3,162today
  • 3beds
  • 4baths
  • 2,088sqft

49673 Redford Way, Indio

314 Via Napoli, Cathedral City, CA, 92234 — assumable VA mortgage at 2.73%
VA
Active
54
$629,900$360,839 equity gap
Rate
2.73%
7.40%today
Payment
$1,253/mo
$2,131today
  • 3beds
  • 3baths
  • 2,087sqft

314 Via Napoli, Cathedral City

80122 Montgomery, Indio, CA, 92203 — assumable FHA mortgage at 2.77%
FHA
Active
41
$650,000$283,798 equity gap
Rate
2.77%
7.40%today
Payment
$1,689/mo
$2,857today
  • 3beds
  • 2baths
  • 2,526sqft

80122 Montgomery, Indio

74495 Gary Avenue, Palm Desert, CA, 92260 — assumable FHA mortgage at 2.81%
FHA
Active
51
$315,000$211,705 equity gap
Rate
2.81%
7.40%today
Payment
$489/mo
$823today
  • 2beds
  • 2baths
  • 1,881sqft

74495 Gary Avenue, Palm Desert

37369 Bankside Drive, Cathedral City, CA, 92234 — assumable VA mortgage at 2.83%
VA
Active
36
$775,000$476,374 equity gap
Rate
2.83%
7.40%today
Payment
$1,416/mo
$2,377today
  • 3beds
  • 2baths
  • 1,665sqft

37369 Bankside Drive, Cathedral City

77 Colgate Drive, Rancho Mirage, CA, 92270 — assumable VA mortgage at 2.88%
VA
Active
58
$1,195,000$709,791 equity gap
Rate
2.88%
7.40%today
Payment
$2,319/mo
$3,867today
  • 3beds
  • 3baths
  • 2,940sqft

77 Colgate Drive, Rancho Mirage

80528 Avenida Santa Marta, Indio, CA, 92203 — assumable FHA mortgage at 2.89%
FHA
Active
44
$524,900$240,192 equity gap
Rate
2.89%
7.40%today
Payment
$1,365/mo
$2,274today
  • 2beds
  • 2baths
  • 1,823sqft

80528 Avenida Santa Marta, Indio

43889 Virginia Avenue, Indio, CA, 92201 — assumable FHA mortgage at 2.94%
FHA
Active
62
$500,000$227,338 equity gap
Rate
2.94%
7.40%today
Payment
$1,315/mo
$2,175today
  • 3beds
  • 2baths
  • 1,725sqft

43889 Virginia Avenue, Indio

51730 Via Bendita, La Quinta, CA, 92253 — assumable VA mortgage at 3.04%
VA
Active
76
$1,174,000$735,503 equity gap
Rate
3.04%
7.40%today
Payment
$2,103/mo
$3,435today
  • 4beds
  • 4baths
  • 3,502sqft

51730 Via Bendita, La Quinta

47755 Soft Moonlight, La Quinta, CA, 92253 — assumable FHA mortgage at 3.07%
FHA
Active
44
$429,900$244,445 equity gap
Rate
3.07%
7.40%today
Payment
$880/mo
$1,433today
  • 3beds
  • 2baths
  • 1,337sqft

47755 Soft Moonlight, La Quinta

79335 Rose Dawn, La Quinta, CA, 92253 — assumable VA mortgage at 3.10%
VA
Active
41
$415,000$227,257 equity gap
Rate
3.10%
7.40%today
Payment
$890/mo
$1,444today
  • 2beds
  • 2baths
  • 1,231sqft

79335 Rose Dawn, La Quinta

25 Chardonnay, Rancho Mirage, CA, 92270 — assumable VA mortgage at 3.12%
VA
Active
75
$1,215,000$583,282 equity gap
Rate
3.12%
7.40%today
Payment
$2,996/mo
$4,845today
  • 2beds
  • 3baths
  • 2,504sqft

25 Chardonnay, Rancho Mirage

82729 Kyle Drive, Indio, CA, 92203 — assumable FHA mortgage at 3.13%
FHA
Active
55
$625,000$275,046 equity gap
Rate
3.13%
7.40%today
Payment
$1,726/mo
$2,787today
  • 4beds
  • 3baths
  • 2,439sqft

82729 Kyle Drive, Indio

31520 Avenida El Mundo, Cathedral City, CA, 92234 — assumable FHA mortgage at 3.13%
FHA
Active
28
$430,000$183,047 equity gap
Rate
3.13%
7.40%today
Payment
$1,221/mo
$1,972today
  • 3beds
  • 2baths
  • 1,250sqft

31520 Avenida El Mundo, Cathedral City

31120 Avenue Valdez, Cathedral City, CA, 92234 — assumable VA mortgage at 3.14%
VA
Active
17
$430,000$367,997 equity gap
Rate
3.14%
7.40%today
Payment
$295/mo
$475today
  • 3beds
  • 2baths
  • 1,320sqft

31120 Avenue Valdez, Cathedral City

80428 Muirfield Drive, Indio, CA, 92201 — assumable VA mortgage at 3.15%
VA
Active
36
$799,000$473,129 equity gap
Rate
3.15%
7.40%today
Payment
$1,622/mo
$2,613today
  • 3beds
  • 2baths
  • 2,466sqft

80428 Muirfield Drive, Indio

72795 Pitahaya Street, Palm Desert, CA, 92260 — assumable VA mortgage at 3.29%
VA
Active
41
$698,000$416,036 equity gap
Rate
3.29%
7.40%today
Payment
$1,430/mo
$2,264today
  • 3beds
  • 3baths
  • 1,580sqft

72795 Pitahaya Street, Palm Desert

78600 Via Corrido, La Quinta, CA, 92253 — assumable VA mortgage at 3.31%
VA
Active
29
$599,000$242,491 equity gap
Rate
3.31%
7.40%today
Payment
$1,804/mo
$2,848today
  • 3beds
  • 3baths
  • 2,004sqft

78600 Via Corrido, La Quinta

81037 Alberta Avenue, Indio, CA, 92201 — assumable FHA mortgage at 3.33%
FHA
Active
4
$430,000$206,611 equity gap
Rate
3.33%
7.40%today
Payment
$1,135/mo
$1,788today
  • 4beds
  • 3baths
  • 1,689sqft

81037 Alberta Avenue, Indio

139 Blue River Drive, Palm Desert, CA, 92211 — assumable VA mortgage at 3.43%
VA
Active
39
$859,000$503,347 equity gap
Rate
3.43%
7.40%today
Payment
$2,044/mo
$3,179today
  • 3beds
  • 3baths
  • 2,108sqft

139 Blue River Drive, Palm Desert

37461 Fossdyke Street, Indio, CA, 92203 — assumable VA mortgage at 3.43%
VA
Active
66
$575,000$304,456 equity gap
Rate
3.43%
7.40%today
Payment
$1,555/mo
$2,418today
  • 5beds
  • 3baths
  • 3,363sqft

37461 Fossdyke Street, Indio

34688 Stage Drive, Thousand Palms, CA, 92276 — assumable FHA mortgage at 3.45%
FHA
Active
57
$365,000Potential short sale
Rate
3.45%
7.40%today
Payment
$1,975/mo
$3,064today
  • 2beds
  • 2baths
  • 2,015sqft

34688 Stage Drive, Thousand Palms

48255 Monroe Street #2, Indio, CA, 92201 — assumable FHA mortgage at 3.50%
FHA
Active
46
$239,900$239,900 equity gap
Rate
3.50%
7.40%today
Payment
$0/mo
  • 1beds
  • 2baths
  • 857sqft

48255 Monroe Street #2, Indio

41389 Penn Drive, Palm Desert, CA, 92211 — assumable FHA mortgage at 3.50%
FHA
Active
34
$550,000$550,000 equity gap
Rate
3.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,725sqft

41389 Penn Drive, Palm Desert

Assuming a mortgage in Palm Desert

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
2.50%
Lowest existing payment
$489 /mo
Median cash to assume
$227,237
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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