VA
Active
40$749,999$160,653 equity gap
- Rate
- 4.42%
7.40%today- Payment
- $3,197/mo
$4,410today
- 3beds
- 3baths
- 1,482sqft
Julian, California
Assumable homes for salein Julian, California.
4 homes in Julian carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.42%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Julian assumable market
by the numbers.
4active assumable listings
4.42%lowest locked rate
$557kmedian list price
$1,033saved per month vs. 7.2%
About the market
Assumable mortgagesin Julian, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Julian. Updated October 2026.
How assumptions work for buyersJulian, California has 4 homes for sale with an assumable mortgage as of October 2026: 2 FHA loans and 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 Julian assumable listings start at 4.42% with a median of 6.44%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Julian lists for $556,950, with a median of $159,630 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 $3,197 a month versus $4,231 for the same balance at today's rate, roughly $1,033 kept every month and $12,398 a year. The most active Julian ZIP codes are 92036 (4).
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 Julian assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Julian
View all 4 on the map Homes on the marketin Julian.
FHA
Active
24$589,000Potential short sale
- Rate
- 6.85%
7.40%today- Payment
- $3,957/mo
$4,181today
- 2beds
- 2baths
- 1,184sqft
829 Hillside Drive, Julian
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 Julian.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 4.42%
- Median rate
- 6.44%
- Median list price
- $556,950
- Median cash to assume
- $159,630
Julian listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Julian listings by loan type
- FHA2 homesmedian 6.85%
- VA2 homesmedian 5.43%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Julian ZIP code.
Each ZIP opens the Julian map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Julian numbers
What an assumable ratedoes to a Julian payment.
The sliders start at the median Julian assumable listing: $556,950 list price and a 6.44% 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)$160,000
29% 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 Julian
$2,614/mo
New loan at 7.20%$2,681
Assumed at 6.45%
$2,614
Every month$67
Over five years$4,035
Interest you never pay$149,68026-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 Julian listing on UMe shows the actual balance, rate, and payment.
How it works in Julian
How to assumea mortgage in Julian.
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 Julian home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Julian 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 $159,630 in Julian 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 Julian payment written in a different decade.
Julian questions
Assuming a mortgagein Julian.
The numbers below come from current Julian inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Julian?
As of October 2026, UMe tracks 4 active assumable listings in Julian. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Julian?
Current Julian inventory breaks down as FHA (2, median 6.85%) and VA (2, median 5.43%). 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 Julian?
The lowest rate on an active Julian assumable listing is 4.42%, and the median across all 4 listings is 6.44%. 0 listings are 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 Julian?
Across current Julian listings, the median principal-and-interest payment on the assumable loan is $3,197 per month versus $4,231 for the same balance at today's rates, a difference of about $1,033 every month, or $12,398 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 Julian?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Julian that gap is currently a median of $159,630 on a median list price of $556,950. 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 Julian ZIP codes have the most assumable homes?
The Julian ZIP codes with the most active assumable listings are 92036 (4). 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 Julian?
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 Julian.The rate is already on the house.
Every listing on the Julian map has a rate you can take over. Start with the ones in Julian, get pre-qualified in minutes, and let UMe carry the assumption to closing.
