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Assumable homes for sale in Santee, CA

155 homesVA & FHA loansrates from 2.25% vs 7.40% today

Santee assumption guide
9457 Carlton Oaks Drive #B, Santee, CA, 92071 — assumable VA mortgage at 2.87%
VA
Active
34
$549,000$85,202 equity gap
Rate
2.87%
7.40%today
Payment
$2,163/mo
$3,612today
  • 3beds
  • 2baths
  • 1,180sqft

9457 Carlton Oaks Drive #B, Santee

1312 Hawk Lane, El Cajon, CA, 92020 — assumable FHA mortgage at 2.88%
FHA
Active
39
$609,900$114,253 equity gap
Rate
2.88%
7.40%today
Payment
$2,325/mo
$3,877today
  • 3beds
  • 3baths
  • 1,424sqft

1312 Hawk Lane, El Cajon

5980 Dandridge Lane #225, San Diego, CA, 92115 — assumable VA mortgage at 2.88%
VA
Active
33
$350,000$62,190 equity gap
Rate
2.88%
7.40%today
Payment
$1,338/mo
$2,231today
  • 1beds
  • 1baths
  • 724sqft

5980 Dandridge Lane #225, San Diego

6333 College Grove Way #11103, San Diego, CA, 92115 — assumable FHA mortgage at 3.09%
FHA
Active
26
$449,000$56,869 equity gap
Rate
3.09%
7.40%today
Payment
$1,862/mo
$3,022today
  • 3beds
  • 2baths
  • 1,024sqft

6333 College Grove Way #11103, San Diego

1045 Peach Avenue #8, El Cajon, CA, 92021 — assumable VA mortgage at 3.10%
VA
Active
9
$299,000$55,879 equity gap
Rate
3.10%
7.40%today
Payment
$1,153/mo
$1,869today
  • 1beds
  • 1baths
  • 721sqft

1045 Peach Avenue #8, El Cajon

344 Stillwater Court, Santee, CA, 92071 — assumable FHA mortgage at 1.00%
FHA
Active
21
$659,000$197,906 equity gap
Rate
1.00%
7.40%today
Payment
$1,728/mo
$3,719today
  • 2beds
  • 3baths
  • 1,368sqft

344 Stillwater Court, Santee

9895 Scripps Westview Way #149, San Diego, CA, 92131 — assumable VA mortgage at 2.25%
VA
Active
24
$539,000$134,541 equity gap
Rate
2.25%
7.40%today
Payment
$1,742/mo
$3,156today
  • 2beds
  • 1baths
  • 942sqft

9895 Scripps Westview Way #149, San Diego

930 Waterloo Ave, El Cajon, CA, 92019 — assumable VA mortgage at 2.67%
VA
Active
24
$775,000$227,525 equity gap
Rate
2.67%
7.40%today
Payment
$2,545/mo
$4,362today
  • 4beds
  • 2baths
  • 1,710sqft

930 Waterloo Ave, El Cajon

7940 University Avenue #34, La Mesa, CA, 91942 — assumable VA mortgage at 2.68%
VA
Active
12
$420,000$104,340 equity gap
Rate
2.68%
7.40%today
Payment
$1,469/mo
$2,514today
  • 2beds
  • 2baths
  • 990sqft

7940 University Avenue #34, La Mesa

10160 Brightwood Ln #1, Santee, CA, 92071 — assumable FHA mortgage at 2.96%
FHA
Active
23
$599,900$141,932 equity gap
Rate
2.96%
7.40%today
Payment
$2,162/mo
$3,569today
  • 2beds
  • 3baths
  • 1,190sqft

10160 Brightwood Ln #1, Santee

6363 Rancho Mission Rd. Road #4, San Diego, CA, 92108 — assumable FHA mortgage at 2.98%
FHA
Active
44
$560,000$131,787 equity gap
Rate
2.98%
7.40%today
Payment
$2,035/mo
$3,351today
  • 2beds
  • 2baths
  • 1,349sqft

6363 Rancho Mission Rd. Road #4, San Diego

3215 44th Street #11, San Diego, CA, 92105 — assumable VA mortgage at 2.98%
VA
Active
16
$380,000$98,397 equity gap
Rate
2.98%
7.40%today
Payment
$1,327/mo
$2,184today
  • 2beds
  • 1baths
  • 770sqft

3215 44th Street #11, San Diego

5162 Catoctin Dr, San Diego, CA, 92115 — assumable VA mortgage at 3.75%
VA
Active
45
$1,090,000$191,471 equity gap
Rate
3.75%
7.40%today
Payment
$4,539/mo
$6,785today
  • 3beds
  • 3baths
  • 1,947sqft

5162 Catoctin Dr, San Diego

5442 Adobe Falls #5, San Diego, CA, 92120 — assumable VA mortgage at 2.67%
VA
Active
35
$449,000$171,769 equity gap
Rate
2.67%
7.40%today
Payment
$1,286/mo
$2,204today
  • 2beds
  • 2baths
  • 884sqft

5442 Adobe Falls #5, San Diego

9525 Questa Pointe, San Diego, CA, 92126 — assumable VA mortgage at 2.72%
VA
Active
46
$838,800$317,041 equity gap
Rate
2.72%
7.40%today
Payment
$2,445/mo
$4,163today
  • 3beds
  • 3baths
  • 1,433sqft

9525 Questa Pointe, San Diego

1210 Pine Drive, El Cajon, CA, 92020 — assumable VA mortgage at 2.73%
VA
Active
51
$950,000$315,970 equity gap
Rate
2.73%
7.40%today
Payment
$2,953/mo
$5,021today
  • 3beds
  • 3baths
  • 2,412sqft

1210 Pine Drive, El Cajon

10432 Timberlane Way, Santee, CA, 92071 — assumable VA mortgage at 2.75%
VA
Active
62
$899,000$314,248 equity gap
Rate
2.75%
7.40%today
Payment
$2,756/mo
$4,674today
  • 3beds
  • 2baths
  • 1,544sqft

10432 Timberlane Way, Santee

3655 44th St., San Diego, CA, 92105 — assumable FHA mortgage at 2.81%
FHA
Active
29
$845,000$240,441 equity gap
Rate
2.81%
7.40%today
Payment
$2,827/mo
$4,758today
  • —beds
  • —baths
  • —sqft

3655 44th St., San Diego

10715 Caminito Cascara, San Diego, CA, 92108 — assumable VA mortgage at 2.86%
VA
Active
35
$649,999$245,444 equity gap
Rate
2.86%
7.40%today
Payment
$1,934/mo
$3,233today
  • 3beds
  • 2baths
  • 1,334sqft

10715 Caminito Cascara, San Diego

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

1105 Nidrah Street, El Cajon, CA, 92020 — assumable VA mortgage at 3.13%
VA
Active
57
$839,000$305,627 equity gap
Rate
3.13%
7.40%today
Payment
$2,636/mo
$4,258today
  • 5beds
  • 2baths
  • 1,722sqft

1105 Nidrah Street, El Cajon

3239 Dehesa Road #48, El Cajon, CA, 92019 — assumable VA mortgage at 4.17%
VA
Active
41
$475,000Potential short sale
Rate
4.17%
7.40%today
Payment
$2,534/mo
$3,600today
  • 2beds
  • 2baths
  • 1,371sqft

3239 Dehesa Road #48, El Cajon

3365 Bonita Street, Spring Valley, CA, 91977 — assumable VA mortgage at 3.69%
VA
Active
51
$849,888$207,669 equity gap
Rate
3.69%
7.40%today
Payment
$3,235/mo
$4,873today
  • 3beds
  • 2baths
  • 1,590sqft

3365 Bonita Street, Spring Valley

12120 Orange Crest Court #2, Lakeside, CA, 92040 — assumable FHA mortgage at 2.66%
FHA
Active
19
$389,000$172,208 equity gap
Rate
2.66%
7.40%today
Payment
$1,141/mo
$1,830today
  • 2beds
  • 1baths
  • 903sqft

12120 Orange Crest Court #2, Lakeside

3454 Castle Glen Dr #151, San Diego, CA, 92123 — assumable VA mortgage at 2.66%
VA
Active
36
$449,900$254,415 equity gap
Rate
2.66%
7.40%today
Payment
$908/mo
$1,558today
  • 2beds
  • 2baths
  • 885sqft

3454 Castle Glen Dr #151, San Diego

7260 Wembley, San Diego, CA, 92120 — assumable VA mortgage at 2.79%
VA
Active
30
$1,195,000$497,954 equity gap
Rate
2.79%
7.40%today
Payment
$3,275/mo
$5,527today
  • 3beds
  • 3baths
  • 1,938sqft

7260 Wembley, San Diego

5700 Baltimore #106, La Mesa, CA, 91942 — assumable FHA mortgage at 2.87%
FHA
Active
21
$425,000$412,605 equity gap
Rate
2.87%
7.40%today
Payment
$6,220/mo
$6,942today
  • 1beds
  • 1baths
  • 671sqft

5700 Baltimore #106, La Mesa

8941 Magnolia Avenue, Santee, CA, 92071 — assumable FHA mortgage at 2.88%
FHA
Active
62
$925,000$448,896 equity gap
Rate
2.88%
7.40%today
Payment
$2,286/mo
$3,813today
  • 4beds
  • 3baths
  • 2,259sqft

8941 Magnolia Avenue, Santee

8941 Magnolia Avenue, Santee, CA, 92071 — assumable FHA mortgage at 2.88%
FHA
Active
63
$925,000$448,896 equity gap
Rate
2.88%
7.40%today
Payment
$2,286/mo
$3,813today
  • 4beds
  • 3baths
  • 2,259sqft

8941 Magnolia Avenue, Santee

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

587 BROCKWOOD DR, El Cajon, CA, 92021 — assumable FHA mortgage at 2.95%
FHA
Active
29
$799,900$367,058 equity gap
Rate
2.95%
7.40%today
Payment
$2,046/mo
$3,382today
  • 4beds
  • 2baths
  • 1,700sqft

587 BROCKWOOD DR, El Cajon

1248 Denver Lane #E, El Cajon, CA, 92021 — assumable VA mortgage at 2.98%
VA
Active
31
$499,999$225,558 equity gap
Rate
2.98%
7.40%today
Payment
$1,385/mo
$2,200today
  • 3beds
  • 2baths
  • 1,116sqft

1248 Denver Lane #E, El Cajon

10345 Carefree Dr, Santee, CA, 92071 — assumable VA mortgage at 3.00%
VA
Active
25
$415,000$415,000 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 896sqft

10345 Carefree Dr, Santee

9909 Scripps Westview Way #212, San Diego, CA, 92131 — assumable VA mortgage at 3.00%
VA
Active
20
$529,999$529,999 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 942sqft

9909 Scripps Westview Way #212, San Diego

10842 Macouba Place, San Diego, CA, 92124 — assumable FHA mortgage at 3.02%
FHA
Active
40
$665,000$358,272 equity gap
Rate
3.02%
7.40%today
Payment
$1,471/mo
$2,409today
  • 4beds
  • 3baths
  • 1,400sqft

10842 Macouba Place, San Diego

Assuming a mortgage in Santee

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
2.25%
Lowest existing payment
$377 /mo
Median cash to assume
$172,577
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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