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Assumable homes for sale in Scotts Valley, CA

16 homesFHA & VA loansrates from 2.72% vs 7.40% today

Scotts Valley assumption guide
431 Loma Prieta Drive, Aptos, CA, 95003 — assumable FHA mortgage at 2.80%
FHA
Active
22
$875,000$206,792 equity gap
Rate
2.80%
7.40%today
Payment
$3,085/mo
$5,199today
  • 2beds
  • 2baths
  • 1,144sqft

431 Loma Prieta Drive, Aptos

325 Brimblecom Road, Boulder Creek, CA, 95006 — assumable FHA mortgage at 3.00%
FHA
Active
37
$699,000$188,987 equity gap
Rate
3.00%
7.40%today
Payment
$2,463/mo
$4,045today
  • 2beds
  • 1baths
  • 814sqft

325 Brimblecom Road, Boulder Creek

12290 Lake Boulevard, Felton, CA, 95018 — assumable FHA mortgage at 2.90%
FHA
Active
24
$699,000$263,348 equity gap
Rate
2.90%
7.40%today
Payment
$2,096/mo
$3,487today
  • 3beds
  • 2baths
  • 1,004sqft

12290 Lake Boulevard, Felton

2603 Mallory Lane, Santa Cruz, CA, 95065 — assumable VA mortgage at 3.18%
VA
Active
38
$799,000$276,868 equity gap
Rate
3.18%
7.40%today
Payment
$2,588/mo
$4,154today
  • 2beds
  • 3baths
  • 1,241sqft

2603 Mallory Lane, Santa Cruz

442 Vista Del Mar Drive, Aptos, CA, 95003 — assumable VA mortgage at 2.72%
VA
Active
63
$1,850,000$1,488,980 equity gap
Rate
2.72%
7.40%today
Payment
$1,688/mo
$2,873today
  • 4beds
  • 3baths
  • 2,937sqft

442 Vista Del Mar Drive, Aptos

10857 Lompico Road, Felton, CA, 95018 — assumable VA mortgage at 3.05%
VA
Active
14
$153,000Potential short sale
Rate
3.05%
7.40%today
Payment
$2,765/mo
$4,512today
  • 2beds
  • 1baths
  • 909sqft

10857 Lompico Road, Felton

16 Windward Place, Scotts Valley, CA, 95066 — assumable VA mortgage at 3.18%
VA
Active
9
$1,099,000$484,865 equity gap
Rate
3.18%
7.40%today
Payment
$3,058/mo
$4,909today
  • 3beds
  • 3baths
  • 1,735sqft

16 Windward Place, Scotts Valley

141 Leafwood Drive, Boulder Creek, CA, 95006 — assumable FHA mortgage at 3.71%
FHA
Active
4
$89,900Potential short sale
Rate
3.71%
7.40%today
Payment
$1,496/mo
$2,248today
  • —beds
  • —baths
  • —sqft

141 Leafwood Drive, Boulder Creek

9655 Glen Arbor Road, Ben Lomond, CA, 95005 — assumable VA mortgage at 3.76%
VA
Active
34
$799,000$336,318 equity gap
Rate
3.76%
7.40%today
Payment
$2,353/mo
$3,514today
  • 3beds
  • 2baths
  • 1,056sqft

9655 Glen Arbor Road, Ben Lomond

414 Hiawatha Road, Boulder Creek, CA, 95006 — assumable VA mortgage at 4.05%
VA
Active
21
$899,000$410,710 equity gap
Rate
4.05%
7.40%today
Payment
$3,101/mo
$4,470today
  • 3beds
  • 3baths
  • 1,750sqft

414 Hiawatha Road, Boulder Creek

355 Waldeberg Road, Ben Lomond, CA, 95005 — assumable VA mortgage at 6.89%
VA
Active
45
$849,000$33,924 equity gap
Rate
6.89%
7.40%today
Payment
$5,444/mo
$5,729today
  • 4beds
  • 3baths
  • 2,074sqft

355 Waldeberg Road, Ben Lomond

121 Mahogany Way, Boulder Creek, CA, 95006 — assumable FHA mortgage at 7.03%
FHA
Active
80
$625,000$52,710 equity gap
Rate
7.03%
7.40%today
Payment
$3,931/mo
$4,079today
  • 2beds
  • 1baths
  • 1,128sqft

121 Mahogany Way, Boulder Creek

9824 Zayante Road, Felton, CA, 95018 — assumable FHA mortgage at 4.51%
FHA
Active
26
$575,000$445,825 equity gap
Rate
4.51%
7.40%today
Payment
$989/mo
$1,350today
  • 2beds
  • 1baths
  • 750sqft

9824 Zayante Road, Felton

3336 Oneill Court, Soquel, CA, 95073 — assumable VA mortgage at 6.90%
VA
Active
44
$1,665,000$308,764 equity gap
Rate
6.90%
7.40%today
Payment
$9,240/mo
$9,714today
  • 4beds
  • 3baths
  • 2,824sqft

3336 Oneill Court, Soquel

191 High Street, Brookdale, CA, 95007 — assumable FHA mortgage at 5.41%
FHA
Active
46
$730,000$337,531 equity gap
Rate
5.41%
7.40%today
Payment
$2,346/mo
$2,889today
  • 3beds
  • 2baths
  • 1,820sqft

191 High Street, Brookdale

121 Vista Prieta, Santa Cruz, CA, 95062 — assumable FHA mortgage at 6.03%
FHA
Active
22
$265,000$156,729 equity gap
Rate
6.03%
7.40%today
Payment
$1,039/mo
$1,196today
  • 2beds
  • 1baths
  • 845sqft

121 Vista Prieta, Santa Cruz

Assuming a mortgage in Scotts Valley

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
2.72%
Lowest existing payment
$989 /mo
Median cash to assume
$292,816
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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