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
Studio City, California
Assumable homes for salein Studio City, California.
1 home in Studio City carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Studio City assumable market
by the numbers.
1active assumable listing
6.00%lowest locked rate
$670kmedian list price
$585saved per month vs. 7.2%
About the market
Assumable mortgagesin Studio City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Studio City. Updated October 2026.
How assumptions work for buyersStudio City, California has 1 home for sale with an assumable mortgage as of October 2026: 1 FHA loan 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 Studio City assumable listings start at 6.00% with a median of 6.00%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Studio City lists for $669,966, with a median of $137,861 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 $3,474 a month versus $4,060 for the same balance at today's rate, roughly $585 kept every month and $7,026 a year. The most active Studio City ZIP codes are 91602 (1).
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 Studio City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Studio City
View all 1 on the map Homes on the marketin Studio City.
FHA
Active
34$650,000$102,846 equity gap
- Rate
- 2.77%
7.40%today- Payment
- $2,512/mo
$4,250today
- 4beds
- 3baths
- 1,893sqft
9155 Cedros Avenue #12, Panorama City
VA
Active
34$1,598,000$284,558 equity gap
- Rate
- 2.78%
7.40%today- Payment
- $6,079/mo
$10,270today
- 3beds
- 4baths
- 2,347sqft
643 1/2 Hayworth Avenue, Los Angeles
FHA
Active
41$2,250,000$367,160 equity gap
- Rate
- 2.83%
7.40%today- Payment
- $13,653/mo
$19,987today
- —beds
- —baths
- 5,263sqft
4816 Saturn Street, Los Angeles
FHA
Active
35$850,000$163,747 equity gap
- Rate
- 2.90%
7.40%today- Payment
- $3,219/mo
$5,354today
- 3beds
- 2baths
- 1,680sqft
12817 Mineola Street, Arleta
VA
Active
31$649,000$123,573 equity gap
- Rate
- 2.94%
7.40%today- Payment
- $2,487/mo
$4,115today
- 3beds
- 3baths
- 1,324sqft
4652 Don Lorenzo #B, Los Angeles
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 Studio City.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.00%
- Median rate
- 6.00%
- Median list price
- $669,966
- Median cash to assume
- $137,861
Studio City listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Studio City listings by loan type
- FHA1 homemedian 6.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Studio City ZIP code.
Each ZIP opens the Studio City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Studio City numbers
What an assumable ratedoes to a Studio City payment.
The sliders start at the median Studio City assumable listing: $669,966 list price and a 6.00% 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)$140,000
21% 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 Studio City
$3,358/mo
New loan at 7.20%$3,598
Assumed at 6.00%
$3,358
Every month$239
Over five years$14,345
Interest you never pay$247,28026-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 Studio City listing on UMe shows the actual balance, rate, and payment.
How it works in Studio City
How to assumea mortgage in Studio City.
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 Studio City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Studio City 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 $137,861 in Studio City 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 Studio City payment written in a different decade.
Studio City questions
Assuming a mortgagein Studio City.
The numbers below come from current Studio City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Studio City?
As of October 2026, UMe tracks 1 active assumable listing in Studio City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Studio City?
Current Studio City inventory breaks down as FHA (1, median 6.00%). 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 Studio City?
The lowest rate on an active Studio City assumable listing is 6.00%, and the median across all 1 listing is 6.00%. 0 listings are under 4% and 0 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 Studio City?
Across current Studio City listings, the median principal-and-interest payment on the assumable loan is $3,474 per month versus $4,060 for the same balance at today's rates, a difference of about $585 every month, or $7,026 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 Studio City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Studio City that gap is currently a median of $137,861 on a median list price of $669,966. 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 Studio City ZIP codes have the most assumable homes?
The Studio City ZIP codes with the most active assumable listings are 91602 (1). 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 Studio City?
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 Studio City.The rate is already on the house.
Every listing on the Studio City map has a rate you can take over. Start with the ones in Studio City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
