VATop pick
Active
14$440,000$21,672 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,951/mo
$3,258today
- 2beds
- 2baths
- 1,104sqft
California · Statewide
Assumable homes for salein California.
3,993 homes in California carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
California assumable market
by the numbers.
3,993active assumable listings
2.10%lowest locked rate
$589kmedian list price
$808saved per month vs. 7.2%
Across California
Assumable homesby California city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of California on the map- 01San Diego225225 assumable homes · median 5.29%
- 02Los Angeles129129 assumable homes · median 4.76%
- 03Victorville100100 assumable homes · median 5.28%
- 04Hemet9494 assumable homes · median 5.42%
- 05Lancaster9393 assumable homes · median 4.57%
- 06Chula Vista8585 assumable homes · median 5.22%
- 07Menifee8484 assumable homes · median 4.66%
- 08Murrieta7070 assumable homes · median 6.04%
- 09Palmdale6060 assumable homes · median 5.46%
- 10Hesperia5959 assumable homes · median 5.78%
- 11Riverside5959 assumable homes · median 4.46%
- 12Apple Valley5858 assumable homes · median 5.46%
- 13Temecula5454 assumable homes · median 3.50%
- 14San Bernardino5252 assumable homes · median 6.19%
- 15Lake Elsinore4848 assumable homes · median 4.17%
- 16Oceanside4747 assumable homes · median 4.21%
- 17Moreno Valley4646 assumable homes · median 4.41%
- 18Beaumont4242 assumable homes · median 5.25%
- 19Bakersfield4040 assumable homes · median 6.27%
- 20El Cajon4040 assumable homes · median 6.45%
- 21Indio4040 assumable homes · median 5.09%
- 22Long Beach4040 assumable homes · median 3.14%
- 23Winchester3939 assumable homes · median 6.50%
- 24Spring Valley3838 assumable homes · median 4.37%
- 25Corona3333 assumable homes · median 5.30%
- 26Fontana3333 assumable homes · median 5.81%
- 27San Jacinto3131 assumable homes · median 6.34%
- 28Desert Hot Springs3030 assumable homes · median 6.46%
- 29Ramona3030 assumable homes · median 6.21%
- 30Ontario2929 assumable homes · median 5.66%
- 31Oroville2929 assumable homes · median 4.10%
- 32Perris2828 assumable homes · median 4.78%
- 33Adelanto2727 assumable homes · median 6.19%
- 34Fallbrook2727 assumable homes · median 5.80%
- 35Yucca Valley2727 assumable homes · median 6.28%
- 36Stockton2626 assumable homes · median 5.12%
- 37Merced2525 assumable homes · median 6.44%
- 38Wildomar2525 assumable homes · median 4.92%
- 39Antioch2424 assumable homes · median 4.67%
- 40Escondido2424 assumable homes · median 3.50%
- 41Canyon Country2323 assumable homes · median 6.15%
- 42Valencia2323 assumable homes · median 4.56%
- 43Palm Desert2222 assumable homes · median 4.55%
- 44Oakland2121 assumable homes · median 6.05%
- 45Rialto2121 assumable homes · median 6.83%
- 46San Jose2121 assumable homes · median 4.35%
- 47Santee2121 assumable homes · median 6.26%
- 48Compton2020 assumable homes · median 6.21%
- 49Rosamond2020 assumable homes · median 5.82%
- 50Simi Valley2020 assumable homes · median 5.01%
- 51Vista2020 assumable homes · median 3.12%
- 52Banning1919 assumable homes · median 6.09%
- 53Camarillo1919 assumable homes · median 3.55%
- 54Highland1919 assumable homes · median 3.76%
- 55Lakeside1919 assumable homes · median 5.09%
- 56Pomona1919 assumable homes · median 6.28%
- 57Barstow1818 assumable homes · median 5.37%
- 58Phelan1818 assumable homes · median 5.48%
- 59La Quinta1717 assumable homes · median 4.99%
- 60San Marcos1717 assumable homes · median 3.31%
- 61Cathedral City1616 assumable homes · median 3.13%
- 62Colton1616 assumable homes · median 3.95%
- 63Imperial Beach1616 assumable homes · median 3.50%
- 64Norwalk1515 assumable homes · median 5.23%
- 65Brentwood1414 assumable homes · median 3.12%
- 66Redlands1414 assumable homes · median 3.45%
- 67Castaic1313 assumable homes · median 6.43%
- 68Chico1313 assumable homes · median 3.95%
- 69La Mesa1313 assumable homes · median 5.54%
- 70Oxnard1313 assumable homes · median 5.00%
- 71Rancho Cucamonga1313 assumable homes · median 6.46%
- 72Rancho Santa Margarita1313 assumable homes · median 3.64%
- 73Tehachapi1313 assumable homes · median 6.22%
- 74Whittier1313 assumable homes · median 3.75%
- 75Anaheim1212 assumable homes · median 3.31%
- 76Chino1212 assumable homes · median 6.49%
- 77Coachella1212 assumable homes · median 3.61%
- 78Concord1212 assumable homes · median 3.40%
- 79Jurupa Valley1212 assumable homes · median 6.67%
- 80Pittsburg1212 assumable homes · median 3.59%
- 81Sacramento1212 assumable homes · median 6.37%
- 82Thousand Oaks1212 assumable homes · median 4.53%
- 83Upland1212 assumable homes · median 5.12%
- 84California City1111 assumable homes · median 6.46%
- 85Crestline1111 assumable homes · median 4.42%
- 86Hollister1111 assumable homes · median 3.60%
- 87Lake Forest1111 assumable homes · median 6.09%
- 88Vallejo1111 assumable homes · median 5.51%
- 89Huntington Beach1010 assumable homes · median 3.94%
- 90Kelseyville1010 assumable homes · median 4.20%
- 91Magalia1010 assumable homes · median 3.74%
- 92Pacoima1010 assumable homes · median 6.48%
- 93Salinas1010 assumable homes · median 3.60%
- 94San Pedro1010 assumable homes · median 4.67%
- 95Sonora1010 assumable homes · median 6.25%
- 96Thermal1010 assumable homes · median 5.01%
- 97Atwater99 assumable homes · median 4.72%
- 98Helendale99 assumable homes · median 6.81%
- 99Inglewood99 assumable homes · median 6.20%
- 100Mission Viejo99 assumable homes · median 3.11%
- 101National City99 assumable homes · median 6.71%
- 102Santa Maria99 assumable homes · median 5.00%
- 103Aliso Viejo88 assumable homes · median 6.82%
- 104Carson88 assumable homes · median 3.69%
- 105Coarsegold88 assumable homes · median 5.37%
- 106Hayward88 assumable homes · median 4.71%
- 107Los Banos88 assumable homes · median 5.01%
- 108Oakley88 assumable homes · median 4.01%
- 109Paradise88 assumable homes · median 6.58%
- 110Reseda88 assumable homes · median 5.54%
- 111Santa Ana88 assumable homes · median 6.50%
- 112Discovery Bay77 assumable homes · median 3.53%
- 113Fillmore77 assumable homes · median 3.02%
- 114Fresno77 assumable homes · median 4.55%
- 115Newhall77 assumable homes · median 3.47%
- 116Palm Springs77 assumable homes · median 4.07%
- 117Paso Robles77 assumable homes · median 3.75%
- 118Valley Center77 assumable homes · median 4.16%
- 119Yucaipa77 assumable homes · median 6.35%
- 120Acton66 assumable homes · median 5.01%
- 121Blythe66 assumable homes · median 5.37%
- 122Calimesa66 assumable homes · median 3.29%
- 123Carlsbad66 assumable homes · median 3.86%
- 124Fairfield66 assumable homes · median 3.33%
- 125Fullerton66 assumable homes · median 5.25%
- 126Hanford66 assumable homes · median 6.35%
- 127Hawthorne66 assumable homes · median 5.96%
- 128Hercules66 assumable homes · median 5.21%
- 129Livermore66 assumable homes · median 3.35%
- 130Loma Linda66 assumable homes · median 5.55%
- 131Lucerne Valley66 assumable homes · median 5.85%
- 132Madera66 assumable homes · median 6.56%
- 133North Hills66 assumable homes · median 3.56%
- 134North Hollywood66 assumable homes · median 3.52%
- 135Panorama City66 assumable homes · median 3.63%
- 136Pico Rivera66 assumable homes · median 3.88%
- 137Porter Ranch66 assumable homes · median 6.65%
- 138Rancho Mission Viejo66 assumable homes · median 6.32%
- 139Ridgecrest66 assumable homes · median 6.58%
- 140Santa Paula66 assumable homes · median 6.36%
- 141Sylmar66 assumable homes · median 5.11%
- 142Torrance66 assumable homes · median 4.88%
- 143Visalia66 assumable homes · median 6.38%
- 144Walnut Creek66 assumable homes · median 3.90%
- 145West Covina66 assumable homes · median 5.98%
- 146West Hills66 assumable homes · median 6.25%
- 147Alpine55 assumable homes · median 6.19%
- 148Anza55 assumable homes · median 6.42%
- 149Canyon Lake55 assumable homes · median 6.50%
- 150Claremont55 assumable homes · median 6.57%
- 151Clearlake55 assumable homes · median 3.95%
- 152Downey55 assumable homes · median 6.20%
- 153Eastvale55 assumable homes · median 4.16%
- 154Hidden Valley Lake55 assumable homes · median 3.16%
- 155Jamul55 assumable homes · median 6.50%
- 156La Puente55 assumable homes · median 5.30%
- 157Manteca55 assumable homes · median 5.10%
- 158Mariposa55 assumable homes · median 6.54%
- 159Modesto55 assumable homes · median 4.42%
- 160Richmond55 assumable homes · median 3.66%
- 161Thousand Palms55 assumable homes · median 5.23%
- 162Vacaville55 assumable homes · median 3.69%
- 163Aguanga44 assumable homes · median 6.52%
- 164Bermuda Dunes44 assumable homes · median 4.97%
- 165Big Bear City44 assumable homes · median 6.69%
- 166Bonita44 assumable homes · median 5.06%
- 167Bonsall44 assumable homes · median 6.20%
- 168Boron44 assumable homes · median 6.84%
- 169Burbank44 assumable homes · median 2.94%
- 170Corning44 assumable homes · median 3.82%
- 171Culver City44 assumable homes · median 4.83%
- 172Dana Point44 assumable homes · median 4.59%
- 173Dublin44 assumable homes · median 3.72%
- 174Frazier Park44 assumable homes · median 5.29%
- 175Garden Grove44 assumable homes · median 6.88%
- 176Glendale44 assumable homes · median 4.75%
- 177Glendora44 assumable homes · median 6.26%
- 178Hacienda Heights44 assumable homes · median 4.46%
- 179Julian44 assumable homes · median 6.44%
- 180Lemon Grove44 assumable homes · median 6.17%
- 181Mountain House44 assumable homes · median 5.88%
- 182Northridge44 assumable homes · median 3.79%
- 183Orange44 assumable homes · median 6.18%
- 184Patterson44 assumable homes · median 5.08%
- 185Port Hueneme44 assumable homes · median 5.75%
- 186Poway44 assumable homes · median 3.02%
- 187Rancho Mirage44 assumable homes · median 3.63%
- 188Rio Vista44 assumable homes · median 6.64%
- 189San Pablo44 assumable homes · median 3.60%
- 190Santa Clarita44 assumable homes · median 5.09%
- 191Sherman Oaks44 assumable homes · median 3.38%
- 192Trabuco Canyon44 assumable homes · median 6.71%
- 193Tracy44 assumable homes · median 5.08%
- 194Van Nuys44 assumable homes · median 4.13%
- 195Ventura44 assumable homes · median 6.61%
- 196Warner Springs44 assumable homes · median 4.75%
- 197Woodland Hills44 assumable homes · median 4.75%
- 198Yorba Linda44 assumable homes · median 5.01%
- 199Agoura Hills33 assumable homes · median 7.17%
- 200Alameda33 assumable homes · median 4.52%
- 201Anderson33 assumable homes · median 4.26%
- 202Arcadia33 assumable homes · median 6.06%
- 203Azusa33 assumable homes · median 2.90%
- 204Ben Lomond33 assumable homes · median 5.66%
- 205Bloomington33 assumable homes · median 3.95%
- 206Boulder Creek33 assumable homes · median 4.05%
- 207Brea33 assumable homes · median 6.09%
- 208Canoga Park33 assumable homes · median 3.98%
- 209Cerritos33 assumable homes · median 6.47%
- 210Chatsworth33 assumable homes · median 4.00%
- 211Chino Hills33 assumable homes · median 6.66%
- 212Chowchilla33 assumable homes · median 3.65%
- 213Cypress33 assumable homes · median 3.00%
- 214Diamond Bar33 assumable homes · median 4.00%
- 215Elk Grove33 assumable homes · median 6.67%
- 216Fawnskin33 assumable homes · median 6.31%
- 217Felton33 assumable homes · median 3.05%
- 218Granada Hills33 assumable homes · median 3.75%
- 219Grand Terrace33 assumable homes · median 6.50%
- 220Grover Beach33 assumable homes · median 3.09%
- 221Homeland33 assumable homes · median 3.74%
- 222Irvine33 assumable homes · median 3.55%
- 223Jamestown33 assumable homes · median 4.32%
- 224Joshua Tree33 assumable homes · median 3.45%
- 225La Mirada33 assumable homes · median 6.82%
- 226Laguna Hills33 assumable homes · median 4.21%
- 227Lake Arrowhead33 assumable homes · median 4.04%
- 228Lake Hughes33 assumable homes · median 6.12%
- 229Lakeport33 assumable homes · median 3.72%
- 230Landers33 assumable homes · median 6.17%
- 231Lathrop33 assumable homes · median 6.63%
- 232Littlerock33 assumable homes · median 6.50%
- 233Lompoc33 assumable homes · median 3.05%
- 234Marina33 assumable homes · median 6.35%
- 235Martinez33 assumable homes · median 3.65%
- 236Montebello33 assumable homes · median 6.49%
- 237Morgan Hill33 assumable homes · median 3.36%
- 238Oak Hills33 assumable homes · median 2.99%
- 239Oakhurst33 assumable homes · median 6.81%
- 240Olivehurst33 assumable homes · median 6.15%
- 241Pine Mountain Club33 assumable homes · median 4.85%
- 242Placentia33 assumable homes · median 2.86%
- 243Redding33 assumable homes · median 2.88%
- 244Running Springs33 assumable homes · median 4.37%
- 245San Dimas33 assumable homes · median 6.65%
- 246San Ramon33 assumable homes · median 2.80%
- 247Soulsbyville33 assumable homes · median 3.01%
- 248South Gate33 assumable homes · median 5.25%
- 249Suisun City33 assumable homes · median 4.98%
- 250Templeton33 assumable homes · median 2.96%
- 251Topanga33 assumable homes · median 3.31%
- 252Tuolumne33 assumable homes · median 4.46%
- 253Wilmington33 assumable homes · median 5.78%
- 254Wofford Heights33 assumable homes · median 4.55%
- 255Aptos22 assumable homes · median 2.76%
- 256Arleta22 assumable homes · median 4.75%
- 257Arroyo Grande22 assumable homes · median 4.17%
- 258Bellflower22 assumable homes · median 3.79%
- 259Big Bear Lake22 assumable homes · median 4.68%
- 260Borrego Springs22 assumable homes · median 5.36%
- 261Boulevard22 assumable homes · median 4.71%
- 262Brawley22 assumable homes · median 3.50%
- 263Campo22 assumable homes · median 7.21%
- 264Cherry Valley22 assumable homes · median 3.48%
- 265Clearlake Oaks22 assumable homes · median 3.29%
- 266Clovis22 assumable homes · median 3.99%
- 267Coronado22 assumable homes · median 4.71%
- 268Covina22 assumable homes · median 5.39%
- 269Daly City22 assumable homes · median 2.79%
- 270Dulzura22 assumable homes · median 2.95%
- 271El Centro22 assumable homes · median 5.55%
- 272El Cerrito22 assumable homes · median 6.74%
- 273El Segundo22 assumable homes · median 4.00%
- 274Encinitas22 assumable homes · median 5.45%
- 275Fort Bragg22 assumable homes · median 6.50%
- 276Gardena22 assumable homes · median 3.23%
- 277Gilroy22 assumable homes · median 5.21%
- 278Gridley22 assumable homes · median 6.61%
- 279Groveland22 assumable homes · median 4.86%
- 280Harbor City22 assumable homes · median 6.25%
- 281Huntington Park22 assumable homes · median 5.69%
- 282Idyllwild22 assumable homes · median 6.83%
- 283Indian Wells22 assumable homes · median 5.23%
- 284Ione22 assumable homes · median 6.85%
- 285La Habra22 assumable homes · median 3.89%
- 286Laguna Niguel22 assumable homes · median 6.12%
- 287Lake Isabella22 assumable homes · median 2.83%
- 288Lakewood22 assumable homes · median 5.62%
- 289Lawndale22 assumable homes · median 5.04%
- 290Lemoore22 assumable homes · median 6.67%
- 291Leona Valley22 assumable homes · median 4.92%
- 292Lincoln22 assumable homes · median 4.54%
- 293Linda22 assumable homes · median 4.89%
- 294Lucerne22 assumable homes · median 3.98%
- 295Marysville22 assumable homes · median 6.76%
- 296Montclair22 assumable homes · median 4.96%
- 297Mountain View22 assumable homes · median 3.29%
- 298Newport Beach22 assumable homes · median 4.58%
- 299Nipomo22 assumable homes · median 5.00%
- 300Norco22 assumable homes · median 3.25%
- 301Pleasanton22 assumable homes · median 2.84%
- 302Porterville22 assumable homes · median 4.61%
- 303Rancho Cordova22 assumable homes · median 3.90%
- 304Rancho Palos Verdes22 assumable homes · median 3.04%
- 305Red Bluff22 assumable homes · median 3.85%
- 306Redwood City22 assumable homes · median 5.57%
- 307Salton City22 assumable homes · median 5.42%
- 308San Gabriel22 assumable homes · median 3.81%
- 309San Juan Capistrano22 assumable homes · median 4.37%
- 310San Lorenzo22 assumable homes · median 4.57%
- 311San Mateo22 assumable homes · median 4.86%
- 312Santa Clara22 assumable homes · median 5.36%
- 313Santa Cruz22 assumable homes · median 4.61%
- 314Santa Fe Springs22 assumable homes · median 4.21%
- 315Soledad22 assumable homes · median 5.13%
- 316Stanton22 assumable homes · median 4.62%
- 317Sun Valley22 assumable homes · median 6.61%
- 318Tujunga22 assumable homes · median 4.26%
- 319Turlock22 assumable homes · median 4.74%
- 320Tustin22 assumable homes · median 6.31%
- 321Twain Harte22 assumable homes · median 3.41%
- 322Union City22 assumable homes · median 5.17%
- 323Valley Springs22 assumable homes · median 5.65%
- 324Walnut22 assumable homes · median 6.91%
- 325Watsonville22 assumable homes · median 5.46%
- 326West Hollywood22 assumable homes · median 6.86%
- 327Willows22 assumable homes · median 4.12%
- 328Winnetka22 assumable homes · median 6.63%
- 329Yuba City22 assumable homes · median 5.04%
- 330Albany11 assumable home · median 6.50%
- 331Aromas11 assumable home · median 2.83%
- 332Atascadero11 assumable home · median 3.58%
- 333Baldwin Park11 assumable home · median 6.09%
- 334Bass Lake11 assumable home · median 6.77%
- 335Benicia11 assumable home · median 6.48%
- 336Biggs11 assumable home · median 2.88%
- 337Bradley11 assumable home · median 6.58%
- 338Brookdale11 assumable home · median 5.41%
- 339Buena Park11 assumable home · median 3.92%
- 340Butte Valley11 assumable home · median 3.08%
- 341Cabazon11 assumable home · median 2.78%
- 342Calabasas11 assumable home · median 3.00%
- 343Caliente11 assumable home · median 6.78%
- 344Cambria11 assumable home · median 3.07%
- 345Campbell11 assumable home · median 3.04%
- 346Carmel11 assumable home · median 2.88%
- 347Castro Valley11 assumable home · median 2.87%
- 348Citrus Heights11 assumable home · median 2.86%
- 349Clayton11 assumable home · median 6.77%
- 350Coalinga11 assumable home · median 2.72%
- 351Copperopolis11 assumable home · median 2.86%
- 352Corcoran11 assumable home · median 5.23%
- 353Costa Mesa11 assumable home · median 4.24%
- 354Coulterville11 assumable home · median 4.20%
- 355Crockett11 assumable home · median 6.50%
- 356Cudahy11 assumable home · median 3.75%
- 357Cupertino11 assumable home · median 2.29%
- 358Delano11 assumable home · median 3.55%
- 359Descanso11 assumable home · median 3.00%
- 360Duarte11 assumable home · median 2.93%
- 361Durham11 assumable home · median 2.87%
- 362El Dorado Hills11 assumable home · median 2.39%
- 363El Sobrante11 assumable home · median 2.70%
- 364Forest Falls11 assumable home · median 6.81%
- 365Forest Ranch11 assumable home · median 6.32%
- 366Forestville11 assumable home · median 3.76%
- 367Fountain Valley11 assumable home · median 5.09%
- 368Glenhaven11 assumable home · median 3.10%
- 369Grass Valley11 assumable home · median 6.31%
- 370Green Valley11 assumable home · median 3.02%
- 371Green Valley Lake11 assumable home · median 2.81%
- 372Grizzly Flats11 assumable home · median 6.19%
- 373Guadalupe11 assumable home · median 5.00%
- 374Heber11 assumable home · median 3.82%
- 375Kerman11 assumable home · median 2.81%
- 376La Habra Heights11 assumable home · median 6.62%
- 377La Palma11 assumable home · median 6.50%
- 378La Verne11 assumable home · median 2.80%
- 379Lake Los Angeles11 assumable home · median 3.82%
- 380Lamont11 assumable home · median 5.78%
- 381Lebec11 assumable home · median 3.04%
- 382Lewiston11 assumable home · median 3.71%
- 383Lindsay11 assumable home · median 5.98%
- 384Live Oak11 assumable home · median 6.79%
- 385Livingston11 assumable home · median 5.12%
- 386Llano11 assumable home · median 4.14%
- 387Lodi11 assumable home · median 3.22%
- 388Los Molinos11 assumable home · median 2.81%
- 389Los Olivos11 assumable home · median 2.99%
- 390Lower Lake11 assumable home · median 6.16%
- 391Lynwood11 assumable home · median 2.72%
- 392Lytle Creek11 assumable home · median 6.26%
- 393Marina del Rey11 assumable home · median 6.33%
- 394Menlo Park11 assumable home · median 2.77%
- 395Mentone11 assumable home · median 3.01%
- 396Milpitas11 assumable home · median 7.06%
- 397Mojave11 assumable home · median 4.72%
- 398Montague11 assumable home · median 5.30%
- 399Moraga11 assumable home · median 3.90%
- 400Morongo Valley11 assumable home · median 6.88%
- 401Morro Bay11 assumable home · median 3.72%
- 402Mountain Center11 assumable home · median 6.85%
- 403Murphys11 assumable home · median 3.43%
- 404Needles11 assumable home · median 6.17%
- 405Newark11 assumable home · median 6.47%
- 406Nice11 assumable home · median 3.15%
- 407North Fork11 assumable home · median 6.34%
- 408North Tustin11 assumable home · median 3.54%
- 409Nuevo11 assumable home · median 6.58%
- 410Oak Park11 assumable home · median 3.03%
- 411Oakdale11 assumable home · median 7.62%
- 412Ojai11 assumable home · median 6.64%
- 413Orland11 assumable home · median 5.88%
- 414Pacific Palisades11 assumable home · median 6.10%
- 415Palo Verde11 assumable home · median 6.78%
- 416Pasadena11 assumable home · median 6.60%
- 417Pearblossom11 assumable home · median 6.87%
- 418Pine Valley11 assumable home · median 7.04%
- 419Pioneertown11 assumable home · median 2.73%
- 420Piru11 assumable home
- 421Pleasant Hill11 assumable home · median 3.51%
- 422Quartz Hill11 assumable home · median 4.45%
- 423Quincy11 assumable home · median 6.66%
- 424Redondo Beach11 assumable home · median 2.75%
- 425Ripon11 assumable home · median 3.58%
- 426Rodeo11 assumable home · median 2.90%
- 427Romoland11 assumable home · median 3.07%
- 428Roseville11 assumable home · median 3.21%
- 429San Ardo11 assumable home · median 6.86%
- 430San Clemente11 assumable home · median 5.75%
- 431San Fernando11 assumable home · median 4.44%
- 432San Ysidro11 assumable home · median 6.35%
- 433Santa Barbara11 assumable home · median 2.81%
- 434Santa Monica11 assumable home · median 3.00%
- 435Santa Ysabel11 assumable home · median 2.87%
- 436Signal Hill11 assumable home · median 3.13%
- 437Silverado11 assumable home · median 3.23%
- 438Solana Beach11 assumable home · median 4.07%
- 439Soquel11 assumable home · median 6.90%
- 440Stevenson Ranch11 assumable home · median 6.49%
- 441Stratford11 assumable home · median 6.36%
- 442Studio City11 assumable home · median 6.00%
- 443Sugarloaf11 assumable home · median 6.92%
- 444Sunland11 assumable home · median 6.50%
- 445Taft11 assumable home · median 6.74%
- 446Toluca Lake11 assumable home · median 2.95%
- 447Twentynine Palms11 assumable home · median 4.83%
- 448Twin Peaks11 assumable home · median 7.50%
- 449Val Verde11 assumable home · median 6.81%
- 450Westlake Village11 assumable home · median 3.69%
- 451Whitewater11 assumable home · median 6.71%
- 452Willits11 assumable home · median 2.96%
- 453Winters11 assumable home · median 6.14%
- 454Yreka11 assumable home · median 3.38%
Also covered in California, no verified assumable listings today:
- Acampo
- Agua Dulce
- Ahwahnee
- Albion
- Alhambra
- Altadena
- Alturas
- Amador City
- American Canyon
- Angels Camp
- Angelus Oaks
- Angwin
- Antelope
- Applegate
- Arbuckle
- Arcata
- Arnold
- Artesia
- Artois
- Arvin
- Atherton
- Auberry
- Auburn
- Avalon
- Avenal
- Avery
- Avila Beach
- Baker
- Bangor
- Bay Point
- Bear Valley
- Belden
- Bell
- Bell Canyon
- Bell Gardens
- Belmont
- Berkeley
- Berry Creek
- Bethel Island
- Beverly Hills
- Bieber
- Big Bar
- Big River
- Big Sur
- Bishop
- Blue Jay
- Bodega Bay
- Bodfish
- Boonville
- Bradbury
- Bridgeport
- Brisbane
- Browns Valley
- Brownsville
- Buellton
- Burlingame
- Burney
- Burson
- Butte Meadows
- Buttonwillow
- Byron
- Calexico
- Calipatria
- Calistoga
- Calpella
- Cameron Park
- Camino
- Capitola
- Cardiff by the Sea
- Carmel Valley
- Carmichael
- Carnelian Bay
- Carpinteria
- Casmalia
- Caspar
- Castella
- Castroville
- Catheys Valley
- Cayucos
- Cedar Glen
- Cedarpines Park
- Cedarville
- Ceres
- Challenge
- Chester
- Chilcoot
- Chualar
- City of Industry
- Clements
- Clipper Mills
- Cloverdale
- Cobb
- Cohasset
- Cold Springs
- Colfax
- Colma
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- Cool
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- Cottonwood
- Covelo
- Crescent City
- Crescent Mills
- Cressey
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- Daggett
- Danville
- Davenport
- Davis
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- Del Rey Oaks
- Delhi
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- Desert Center
- Diablo
- Diamond Springs
- Dillon Beach
- Dinuba
- Dixon
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- Dos Palos
- Douglas City
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- Ducor
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- East Palo Alto
- Edwards
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- Elk
- Elk Creek
- Elverta
- Emeryville
- Emigrant Gap
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- Fellows
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- Foothill Ranch
- Forbestown
- Foresthill
- Fort Jones
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- Foster City
- Fowler
- Freedom
- Fremont
- French Camp
- French Gulch
- Friant
- Galt
- Garberville
- Garden Valley
- Gazelle
- Georgetown
- Gerber
- Geyserville
- Glen Ellen
- Glenn
- Goleta
- Gonzales
- Granite Bay
- Greenbrae
- Greenfield
- Greenview
- Greenville
- Greenwood
- Grenada
- Gualala
- Guatay
- Guerneville
- Guinda
- Gustine
- Half Moon Bay
- Hamilton City
- Harmony
- Havilah
- Hawaiian Gardens
- Hayfork
- Healdsburg
- Herlong
- Hermosa Beach
- Hi Vista
- Hidden Hills
- Hillsborough
- Hilmar
- Hinkley
- Holtville
- Homewood
- Hopland
- Hornbrook
- Hornitos
- Hughson
- Huron
- Igo
- Imperial
- Inverness
- Inyokern
- Irwindale
- Isla Vista
- Isleton
- Jackson
- Jacumba
- Janesville
- Johnson Valley
- Junction City
- June Lake
- Juniper Hills
- Keene
- Kensington
- Kentfield
- Kernville
- Kettleman City
- Keyes
- King City
- Kings Beach
- Kingsburg
- Kirkwood
- Klamath River
- La Cañada Flintridge
- La Crescenta
- La Grange
- La Honda
- La Jolla
- La Porte
- La Selva Beach
- Ladera Ranch
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Laton
- Laytonville
- Le Grand
- Leggett
- Little River
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
- Long Barn
- Loomis
- Los Alamitos
- Los Alamos
- Los Altos
- Los Altos Hills
- Los Gatos
- Los Osos
- Lost Hills
- Malibu
- Mammoth Lakes
- Manchester
- Manhattan Beach
- Manton
- Maricopa
- Mather
- Maxwell
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- McKinleyville
- McKittrick
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- Mendocino
- Mi Wuk Village
- Middletown
- Midpines
- Midway City
- Milford
- Mill Creek
- Mill Valley
- Millbrae
- Mineral
- Mira Loma
- Miramonte
- Mission Hills
- Mokelumne Hill
- Monrovia
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- Montecito
- Monterey
- Monterey Park
- Montgomery Creek
- Montrose
- Moorpark
- Moss Beach
- Moss Landing
- Mount Baldy
- Mount Hermon
- Mount Laguna
- Mount Shasta
- Mountain Mesa
- Mountain Ranch
- Napa
- Nevada City
- New Cuyama
- Newberry Springs
- Newcastle
- Newman
- Newport Coast
- Niland
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- North Edwards
- North Highlands
- North Palm Springs
- Novato
- O'Neals
- Oak Glen
- Oak Run
- Oak View
- Occidental
- Oceano
- Ocotillo
- Olancha
- Old Station
- Olympic Valley
- Onyx
- Orange Cove
- Orangevale
- Oregon House
- Orinda
- Oro Grande
- Pacheco
- Pacific Grove
- Pacifica
- Paicines
- Pala
- Palermo
- Palo Alto
- Palo Cedro
- Palomar Mountain
- Palos Verdes Estates
- Palos Verdes Peninsula
- Paramount
- Parlier
- Paskenta
- Pauma Valley
- Pebble Beach
- Penn Valley
- Pescadero
- Petaluma
- Philo
- Piedmont
- Pilot Hill
- Pine Grove
- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
- Pismo Beach
- Pixley
- Placerville
- Planada
- Playa del Rey
- Playa Vista
- Pleasant Grove
- Plumas Lake
- Plymouth
- Point Arena
- Pollock Pines
- Pope Valley
- Port Costa
- Portola
- Portola Valley
- Posey
- Potrero
- Potter Valley
- Prather
- Prunedale
- Rail Road Flat
- Ranchita
- Rancho Santa Fe
- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richvale
- Rimforest
- Rio Linda
- Riverbank
- Riverdale
- Rocklin
- Rohnert Park
- Rolling Hills
- Rolling Hills Estates
- Rosemead
- Round Mountain
- Rowland Heights
- Royal Oaks
- Salida
- San Andreas
- San Anselmo
- San Bruno
- San Carlos
- San Francisco
- San Geronimo
- San Joaquin
- San Juan Bautista
- San Leandro
- San Lucas
- San Luis Obispo
- San Marino
- San Martin
- San Miguel Island
- San Rafael
- San Simeon
- Sand City
- Sanger
- Santa Margarita
- Santa Nella
- Santa Rosa
- Santa Ynez
- Saratoga
- Sausalito
- Scotts Valley
- Seal Beach
- Seaside
- Sebastopol
- Selma
- Shafter
- Shandon
- Shasta Lake
- Shaver Lake
- Sherwood Forest
- Shingle Springs
- Shingletown
- Sierra Madre
- Sierraville
- Skyforest
- Snelling
- Soda Springs
- Solvang
- Somis
- Sonoma
- South El Monte
- South Lake Tahoe
- South Pasadena
- South San Francisco
- Spreckels
- Springville
- St. Helena
- Standish
- Stanford
- Stevinson
- Stirling City
- Stonyford
- Strathmore
- Strawberry
- Summerland
- Sun Village
- Sunnyvale
- Sunol
- Sunset Beach
- Susanville
- Sutter
- Sutter Creek
- Tahoe Vista
- Tarzana
- Tecate
- Tecopa
- Temple City
- Termo
- Terra Bella
- The Sea Ranch
- Three Rivers
- Tiburon
- Tollhouse
- Tres Pinos
- Trinity Center
- Trona
- Truckee
- Tulare
- Twain
- Ukiah
- Upper Lake
- Vallecito
- Valley Village
- Valyermo
- Venice
- Vernon
- View Park
- Villa Park
- Volcano
- Wallace
- Walnut Grove
- Wasco
- Waterford
- Wawona
- Weaverville
- Weed
- Weldon
- West Point
- West Sacramento
- Westley
- Westminster
- Westmorland
- Westport
- Westwood
- Whitethorn
- Williams
- Willow Springs
- Wilseyville
- Wilton
- Windsor
- Winterhaven
- Winton
- Wishon
- Woodbridge
- Woodlake
- Woodland
- Woodside
- Woody
- Wrightwood
- Yankee Hill
- Yermo
- Yountville
About the market
Assumable mortgagesin California, explained.
Every number on this page comes from the live MLS feeds UMe indexes across California. Updated October 2026.
How assumptions work for buyersCalifornia has 3,993 homes for sale with an assumable mortgage as of October 2026: 2,441 FHA loans and 1,552 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active California assumable listings start at 2.10% with a median of 5.11%; 1,626 listings are under 4% and 1,929 are under 5%.
The median assumable home in California lists for $589,000, with a median of $177,145 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,315 a month versus $3,123 for the same balance at today's rate, roughly $808 kept every month and $9,695 a year. The deepest California inventory is in San Diego (225), Los Angeles (129), Victorville (100), Hemet (94), and Lancaster (93).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most California assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across California
View all 3,993 on the map Homes on the marketacross California.
FHATop pick
Active
51$1,039,000Potential short sale
- Rate
- 2.99%
7.40%today- Payment
- $5,194/mo
$8,541today
- 3beds
- 3baths
- 1,818sqft
42 Via Brida, Rancho Santa Margarita
FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.40%today- Payment
- $2,182/mo
$3,539today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
VATop pick
Active
39$470,000$23,091 equity gap
- Rate
- 3.12%
7.40%today- Payment
- $2,124/mo
$3,435today
- 3beds
- 2baths
- 1,699sqft
33200 Benner Street, Lake Elsinore
FHATop pick
Active
35$2,250,000$83,083 equity gap
- Rate
- 3.21%
7.40%today- Payment
- $10,825/mo
$17,310today
- —beds
- —baths
- 5,263sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 equity gap
- Rate
- 2.79%
7.40%today- Payment
- $2,253/mo
$3,802today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin California.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 3,993
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.11%
- Median list price
- $589,000
- Median cash to assume
- $177,145
California listings by locked rate
- Under 4%1,626 homes
- 4% – 5%303 homes
- 5% – 6%308 homes
- 6% and up1,730 homes
California listings by loan type
- FHA2,441 homesmedian 5.61%
- VA1,552 homesmedian 3.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the California numbers
What an assumable ratedoes to a California payment.
The sliders start at the median California assumable listing: $589,000 list price and a 5.11% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$180,000
31% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in California
$2,375/mo
New loan at 7.20%$2,783
Assumed at 5.10%
$2,375
Every month$408
Over five years$24,488
Interest you never pay$260,92326-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every California listing on UMe shows the actual balance, rate, and payment.
How it works in California
How to assumea mortgage in California.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a California home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the California map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $177,145 in California today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a California payment written in a different decade.
California questions
Assuming a mortgagein California.
The numbers below come from current California inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in California?
As of October 2026, UMe tracks 3,993 active assumable listings in California. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in California?
Current California inventory breaks down as FHA (2,441, median 5.61%) and VA (1,552, median 3.99%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in California?
The lowest rate on an active California assumable listing is 2.10%, and the median across all 3,993 listings is 5.11%. 1,626 listings are under 4% and 1,929 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in California?
Across current California listings, the median principal-and-interest payment on the assumable loan is $2,315 per month versus $3,123 for the same balance at today's rates, a difference of about $808 every month, or $9,695 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in California?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In California that gap is currently a median of $177,145 on a median list price of $589,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which California cities have the most assumable homes?
The deepest assumable inventory in California is in San Diego (225), Los Angeles (129), Victorville (100), Hemet (94), and Lancaster (93). Each city has its own page with live counts, rates, and neighborhoods, and the California map lets you search the whole state at once.
How long does a mortgage assumption take in California?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for California.The rate is already on the house.
Every listing on the California map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
