FHA
Active
74$375,000$49,798 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,599/mo
$2,481today
- —beds
- —baths
- 2,800sqft
Oakhurst, California
Assumable homes for salein Oakhurst, California.
3 homes in Oakhurst carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.13%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Oakhurst assumable market
by the numbers.
3active assumable listings
4.13%lowest locked rate
$395kmedian list price
$590saved per month vs. 7.2%
About the market
Assumable mortgagesin Oakhurst, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Oakhurst. Updated October 2026.
How assumptions work for buyersOakhurst, California has 3 homes for sale with an assumable mortgage as of October 2026: 3 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 Oakhurst assumable listings start at 4.13% with a median of 6.81%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Oakhurst lists for $395,000, with a median of $229,320 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 $1,328 a month versus $1,918 for the same balance at today's rate, roughly $590 kept every month and $7,085 a year. The most active Oakhurst ZIP codes are 93644 (3).
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 Oakhurst assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Oakhurst
View all 3 on the map Homes on the marketin Oakhurst.
FHA
Active
54$399,000$91,928 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $1,458/mo
$2,373today
- 3beds
- 3baths
- 1,926sqft
29206 Yosemite Springs Parkway, Coarsegold
FHA
Active
75$483,800$240,685 equity gap
- Rate
- 4.03%
7.40%today- Payment
- $1,410/mo
$2,038today
- 4beds
- 4baths
- 3,100sqft
28977 Long Hollow Court, Coarsegold
FHA
Active
45$450,000$229,888 equity gap
- Rate
- 4.13%
7.40%today- Payment
- $1,328/mo
$1,896today
- 3beds
- 3baths
- 2,338sqft
50622 Critter Creek Lane, Oakhurst
FHA
Active
65$345,000Potential short sale
- Rate
- 6.77%
7.40%today- Payment
- $2,310/mo
$2,461today
- 3beds
- 2baths
- 1,253sqft
50850 Smoke Tree, Bass Lake
FHA
Active
58$649,999$463,195 equity gap
- Rate
- 4.47%
7.40%today- Payment
- $1,118/mo
$1,533today
- 5beds
- 7baths
- 3,398sqft
46320 Oonay Nation Road, Coarsegold
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 Oakhurst.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 4.13%
- Median rate
- 6.81%
- Median list price
- $395,000
- Median cash to assume
- $229,320
Oakhurst listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Oakhurst listings by loan type
- FHA3 homesmedian 6.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Oakhurst ZIP code.
Each ZIP opens the Oakhurst map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Oakhurst numbers
What an assumable ratedoes to an Oakhurst payment.
The sliders start at the median Oakhurst assumable listing: $395,000 list price and a 6.81% 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)$230,000
58% 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 Oakhurst
$1,129/mo
New loan at 7.20%$1,120
Assumed at 6.80%
$1,129
Every month$0
Over five years$0
Interest you never pay$51,08226-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 Oakhurst listing on UMe shows the actual balance, rate, and payment.
How it works in Oakhurst
How to assumea mortgage in Oakhurst.
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 Oakhurst home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Oakhurst 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 $229,320 in Oakhurst 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 Oakhurst payment written in a different decade.
Oakhurst questions
Assuming a mortgagein Oakhurst.
The numbers below come from current Oakhurst inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Oakhurst?
As of October 2026, UMe tracks 3 active assumable listings in Oakhurst. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Oakhurst?
Current Oakhurst inventory breaks down as FHA (3, median 6.81%). 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 Oakhurst?
The lowest rate on an active Oakhurst assumable listing is 4.13%, and the median across all 3 listings is 6.81%. 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 Oakhurst?
Across current Oakhurst listings, the median principal-and-interest payment on the assumable loan is $1,328 per month versus $1,918 for the same balance at today's rates, a difference of about $590 every month, or $7,085 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 Oakhurst?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Oakhurst that gap is currently a median of $229,320 on a median list price of $395,000. 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 Oakhurst ZIP codes have the most assumable homes?
The Oakhurst ZIP codes with the most active assumable listings are 93644 (3). 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 Oakhurst?
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 Oakhurst.The rate is already on the house.
Every listing on the Oakhurst map has a rate you can take over. Start with the ones in Oakhurst, get pre-qualified in minutes, and let UMe carry the assumption to closing.
