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
Coachella, California
Assumable homes for salein Coachella, California.
13 homes in Coachella carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.69%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Coachella assumable market
by the numbers.
13active assumable listings
2.69%lowest locked rate
$499kmedian list price
$717saved per month vs. 7.2%
About the market
Assumable mortgagesin Coachella, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Coachella. Updated October 2026.
How assumptions work for buyersCoachella, California has 13 homes for sale with an assumable mortgage as of October 2026: 13 FHA 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 Coachella assumable listings start at 2.69% with a median of 3.61%; 9 listings are under 4% and 10 are under 5%.
The median assumable home in Coachella lists for $499,000, with a median of $304,403 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 $1,330 a month versus $2,047 for the same balance at today's rate, roughly $717 kept every month and $8,602 a year. The most active Coachella ZIP codes are 92236 (13).
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 Coachella assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Coachella
View all 13 on the map Homes on the marketin Coachella.
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
VA
Active
39$468,000$160,694 equity gap
- Rate
- 2.66%
7.40%today- Payment
- $1,420/mo
$2,437today
- 3beds
- 3baths
- 2,304sqft
43289 Lacovia Drive, Bermuda Dunes
FHA
Active
23$465,000$173,248 equity gap
- Rate
- 2.71%
7.40%today- Payment
- $1,356/mo
$2,311today
- 3beds
- 2baths
- 1,434sqft
52835 Avenida Ramirez, La Quinta
VA
Active
23$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
FHA
Active
36$465,000$160,209 equity gap
- Rate
- 2.73%
7.40%today- Payment
- $1,409/mo
$2,397today
- 3beds
- 3baths
- 1,580sqft
85222 Avenida Reforma, Coachella
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 Coachella.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 13
- UMe Certified / verified
- 0
- Lowest rate
- 2.69%
- Median rate
- 3.61%
- Median list price
- $499,000
- Median cash to assume
- $304,403
Coachella listings by locked rate
- Under 4%9 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up3 homes
Coachella listings by loan type
- FHA13 homesmedian 3.61%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Coachella ZIP code.
Each ZIP opens the Coachella map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Coachella numbers
What an assumable ratedoes to a Coachella payment.
The sliders start at the median Coachella assumable listing: $499,000 list price and a 3.61% 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)$305,000
61% 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 Coachella
$963/mo
New loan at 7.20%$1,324
Assumed at 3.60%
$963
Every month$360
Over five years$21,617
Interest you never pay$175,94426-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 Coachella listing on UMe shows the actual balance, rate, and payment.
How it works in Coachella
How to assumea mortgage in Coachella.
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 Coachella home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Coachella 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 $304,403 in Coachella 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 Coachella payment written in a different decade.
Coachella questions
Assuming a mortgagein Coachella.
The numbers below come from current Coachella inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Coachella?
As of October 2026, UMe tracks 13 active assumable listings in Coachella. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Coachella?
Current Coachella inventory breaks down as FHA (13, median 3.61%). 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 Coachella?
The lowest rate on an active Coachella assumable listing is 2.69%, and the median across all 13 listings is 3.61%. 9 listings are under 4% and 10 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 Coachella?
Across current Coachella listings, the median principal-and-interest payment on the assumable loan is $1,330 per month versus $2,047 for the same balance at today's rates, a difference of about $717 every month, or $8,602 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 Coachella?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Coachella that gap is currently a median of $304,403 on a median list price of $499,000. 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 Coachella ZIP codes have the most assumable homes?
The Coachella ZIP codes with the most active assumable listings are 92236 (13). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Coachella?
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.
Nearby markets
All of California More assumable homesin California.
Ready when you are
Stop overpaying for Coachella.The rate is already on the house.
Every listing on the Coachella map has a rate you can take over. Start with the ones in Coachella, get pre-qualified in minutes, and let UMe carry the assumption to closing.
