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
Indian Wells, California
Assumable homes for salein Indian Wells, California.
2 homes in Indian Wells carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.64%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Indian Wells assumable market
by the numbers.
2active assumable listings
3.64%lowest locked rate
$907kmedian list price
$699saved per month vs. 7.2%
About the market
Assumable mortgagesin Indian Wells, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Indian Wells. Updated October 2026.
How assumptions work for buyersIndian Wells, California has 2 homes for sale with an assumable mortgage as of October 2026: 2 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 Indian Wells assumable listings start at 3.64% with a median of 5.23%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Indian Wells lists for $907,250, with a median of $423,545 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 $2,968 a month versus $3,667 for the same balance at today's rate, roughly $699 kept every month and $8,389 a year. The most active Indian Wells ZIP codes are 92210 (2).
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 Indian Wells assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Indian Wells
View all 2 on the map Homes on the marketin Indian Wells.
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
FHA
Active
15$374,100$82,539 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,380/mo
$2,237today
- 3beds
- 2baths
- 1,348sqft
48944 Desert Flower, Palm Desert
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
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 Indian Wells.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.64%
- Median rate
- 5.23%
- Median list price
- $907,250
- Median cash to assume
- $423,545
Indian Wells listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Indian Wells listings by loan type
- VA2 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Indian Wells ZIP code.
Each ZIP opens the Indian Wells map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Indian Wells numbers
What an assumable ratedoes to an Indian Wells payment.
The sliders start at the median Indian Wells assumable listing: $907,250 list price and a 5.23% 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)$420,000
46% 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 Indian Wells
$2,853/mo
New loan at 7.20%$3,292
Assumed at 5.25%
$2,853
Every month$440
Over five years$26,376
Interest you never pay$295,17626-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 Indian Wells listing on UMe shows the actual balance, rate, and payment.
How it works in Indian Wells
How to assumea mortgage in Indian Wells.
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 an Indian Wells home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Indian Wells 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 $423,545 in Indian Wells 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 an Indian Wells payment written in a different decade.
Indian Wells questions
Assuming a mortgagein Indian Wells.
The numbers below come from current Indian Wells inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Indian Wells?
As of October 2026, UMe tracks 2 active assumable listings in Indian Wells. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Indian Wells?
Current Indian Wells inventory breaks down as VA (2, median 5.23%). 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 Indian Wells?
The lowest rate on an active Indian Wells assumable listing is 3.64%, and the median across all 2 listings is 5.23%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Indian Wells?
Across current Indian Wells listings, the median principal-and-interest payment on the assumable loan is $2,968 per month versus $3,667 for the same balance at today's rates, a difference of about $699 every month, or $8,389 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 Indian Wells?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Indian Wells that gap is currently a median of $423,545 on a median list price of $907,250. 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 Indian Wells ZIP codes have the most assumable homes?
The Indian Wells ZIP codes with the most active assumable listings are 92210 (2). 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 Indian Wells?
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 Indian Wells.The rate is already on the house.
Every listing on the Indian Wells map has a rate you can take over. Start with the ones in Indian Wells, get pre-qualified in minutes, and let UMe carry the assumption to closing.
