VATop pick
Active
66$550,000$7,184 down
- Rate
- 3.05%
7.28%today- Payment
- $2,549/mo
$4,110today
- 3beds
- 3baths
- 1,759sqft
California · Statewide
Assumable homes for salein California.
3,873 homes in California carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
California assumable market
by the numbers.
3,873active assumable listings
2.10%lowest locked rate
$590kmedian list price
$822saved per month vs. 7.2%
Across California
Assumable homesby California city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of California on the map- 01San Diego228228 assumable homes · median 5.10%
- 02Los Angeles120120 assumable homes · median 5.05%
- 03Victorville9595 assumable homes · median 5.25%
- 04Hemet8484 assumable homes · median 5.42%
- 05Menifee8484 assumable homes · median 4.81%
- 06Chula Vista8383 assumable homes · median 4.92%
- 07Lancaster8383 assumable homes · median 5.23%
- 08Murrieta6565 assumable homes · median 6.06%
- 09Palmdale6363 assumable homes · median 5.51%
- 10Hesperia5757 assumable homes · median 5.51%
- 11Apple Valley5555 assumable homes · median 6.00%
- 12Riverside5252 assumable homes · median 5.62%
- 13San Bernardino5151 assumable homes · median 6.01%
- 14Oceanside5050 assumable homes · median 4.48%
- 15Temecula5050 assumable homes · median 4.24%
- 16Lake Elsinore4343 assumable homes · median 4.16%
- 17Moreno Valley4242 assumable homes · median 4.41%
- 18Fontana4040 assumable homes · median 5.00%
- 19Long Beach4040 assumable homes · median 3.46%
- 20Spring Valley3838 assumable homes · median 3.92%
- 21Indio3737 assumable homes · median 5.09%
- 22Bakersfield3636 assumable homes · median 6.21%
- 23Beaumont3636 assumable homes · median 5.46%
- 24El Cajon3636 assumable homes · median 6.32%
- 25Winchester3636 assumable homes · median 6.11%
- 26Corona3535 assumable homes · median 6.06%
- 27Perris3131 assumable homes · median 4.99%
- 28Desert Hot Springs3030 assumable homes · median 6.46%
- 29Oroville3030 assumable homes · median 3.94%
- 30Escondido2929 assumable homes · median 4.07%
- 31Ramona2828 assumable homes · median 6.24%
- 32Stockton2828 assumable homes · median 5.99%
- 33Adelanto2727 assumable homes · median 6.27%
- 34Ontario2727 assumable homes · median 5.54%
- 35Fallbrook2626 assumable homes · median 5.91%
- 36San Jacinto2626 assumable homes · median 6.33%
- 37Yucca Valley2626 assumable homes · median 6.31%
- 38Antioch2323 assumable homes · median 4.79%
- 39Merced2222 assumable homes · median 6.36%
- 40Simi Valley2222 assumable homes · median 4.99%
- 41Wildomar2222 assumable homes · median 4.67%
- 42Canyon Country2121 assumable homes · median 6.15%
- 43Highland2121 assumable homes · median 3.76%
- 44Oakland2121 assumable homes · median 5.52%
- 45Palm Desert2121 assumable homes · median 3.89%
- 46Pomona2121 assumable homes · median 6.33%
- 47Rialto2020 assumable homes · median 6.77%
- 48Santee2020 assumable homes · median 6.19%
- 49Valencia2020 assumable homes · median 5.55%
- 50Banning1919 assumable homes · median 6.09%
- 51Barstow1919 assumable homes · median 5.52%
- 52Lakeside1919 assumable homes · median 5.00%
- 53Vista1919 assumable homes · median 4.01%
- 54Sacramento1818 assumable homes · median 6.18%
- 55Camarillo1717 assumable homes · median 4.92%
- 56Colton1717 assumable homes · median 4.38%
- 57Compton1717 assumable homes · median 6.50%
- 58La Quinta1717 assumable homes · median 4.99%
- 59Rosamond1717 assumable homes · median 5.41%
- 60San Jose1717 assumable homes · median 5.00%
- 61Imperial Beach1616 assumable homes · median 3.50%
- 62Phelan1616 assumable homes · median 5.48%
- 63San Marcos1616 assumable homes · median 3.27%
- 64Pittsburg1515 assumable homes · median 3.90%
- 65Castaic1414 assumable homes · median 6.58%
- 66Anaheim1313 assumable homes · median 3.45%
- 67Brentwood1313 assumable homes · median 3.12%
- 68Cathedral City1313 assumable homes · median 3.13%
- 69Concord1313 assumable homes · median 3.72%
- 70La Mesa1313 assumable homes · median 4.81%
- 71Norwalk1313 assumable homes · median 5.23%
- 72Rancho Cucamonga1313 assumable homes · median 4.16%
- 73Rancho Santa Margarita1313 assumable homes · median 4.45%
- 74Whittier1313 assumable homes · median 3.65%
- 75California City1212 assumable homes · median 6.45%
- 76Coachella1212 assumable homes · median 3.61%
- 77Oxnard1212 assumable homes · median 3.56%
- 78Redlands1212 assumable homes · median 3.45%
- 79Thousand Oaks1212 assumable homes · median 3.54%
- 80Vallejo1212 assumable homes · median 6.20%
- 81Chino1111 assumable homes · median 3.95%
- 82Crestline1111 assumable homes · median 3.92%
- 83Jurupa Valley1111 assumable homes · median 6.63%
- 84Lake Forest1111 assumable homes · median 3.85%
- 85National City1111 assumable homes · median 6.65%
- 86Santa Maria1111 assumable homes · median 5.00%
- 87Thermal1111 assumable homes · median 5.87%
- 88Upland1111 assumable homes · median 6.12%
- 89Chico1010 assumable homes · median 6.29%
- 90Coarsegold1010 assumable homes · median 6.13%
- 91Helendale1010 assumable homes · median 6.76%
- 92Hollister1010 assumable homes · median 4.45%
- 93Oakley1010 assumable homes · median 4.62%
- 94Salinas1010 assumable homes · median 3.60%
- 95Tehachapi1010 assumable homes · median 6.33%
- 96Carlsbad99 assumable homes · median 3.48%
- 97Palm Springs99 assumable homes · median 4.07%
- 98Paradise99 assumable homes · median 6.71%
- 99Sonora99 assumable homes · median 6.22%
- 100Yucaipa99 assumable homes · median 4.16%
- 101Atwater88 assumable homes · median 4.88%
- 102Huntington Beach88 assumable homes · median 3.94%
- 103Kelseyville88 assumable homes · median 3.82%
- 104Magalia88 assumable homes · median 5.08%
- 105Pacoima88 assumable homes · median 6.48%
- 106Aliso Viejo77 assumable homes · median 6.27%
- 107Alpine77 assumable homes · median 5.84%
- 108Canyon Lake77 assumable homes · median 6.49%
- 109Carson77 assumable homes · median 3.65%
- 110Discovery Bay77 assumable homes · median 3.53%
- 111Fairfield77 assumable homes · median 3.18%
- 112Fillmore77 assumable homes · median 2.87%
- 113Fresno77 assumable homes · median 4.55%
- 114Hayward77 assumable homes · median 3.21%
- 115Livermore77 assumable homes · median 3.42%
- 116Los Banos77 assumable homes · median 5.52%
- 117Madera77 assumable homes · median 6.66%
- 118Mission Viejo77 assumable homes · median 3.11%
- 119Rancho Mission Viejo77 assumable homes · median 6.13%
- 120San Pedro77 assumable homes · median 3.48%
- 121Santa Ana77 assumable homes · median 6.50%
- 122Santa Paula77 assumable homes · median 6.22%
- 123Torrance77 assumable homes · median 6.42%
- 124West Covina77 assumable homes · median 5.23%
- 125Acton66 assumable homes · median 5.01%
- 126Calimesa66 assumable homes · median 3.48%
- 127Hanford66 assumable homes · median 6.35%
- 128Hercules66 assumable homes · median 3.77%
- 129Hidden Valley Lake66 assumable homes · median 3.12%
- 130Inglewood66 assumable homes · median 6.23%
- 131Jamul66 assumable homes · median 6.57%
- 132Loma Linda66 assumable homes · median 4.51%
- 133Lucerne Valley66 assumable homes · median 5.85%
- 134Manteca66 assumable homes · median 4.80%
- 135North Hollywood66 assumable homes · median 3.52%
- 136Reseda66 assumable homes · median 4.49%
- 137Ridgecrest66 assumable homes · median 6.58%
- 138West Hills66 assumable homes · median 6.25%
- 139Aguanga55 assumable homes · median 6.50%
- 140Azusa55 assumable homes · median 6.72%
- 141Bermuda Dunes55 assumable homes · median 5.38%
- 142Culver City55 assumable homes · median 4.37%
- 143Garden Grove55 assumable homes · median 6.82%
- 144Hawthorne55 assumable homes · median 6.30%
- 145Modesto55 assumable homes · median 4.33%
- 146Newhall55 assumable homes · median 3.47%
- 147North Hills55 assumable homes · median 4.75%
- 148Panorama City55 assumable homes · median 3.52%
- 149Paso Robles55 assumable homes · median 3.68%
- 150Porter Ranch55 assumable homes · median 6.53%
- 151Richmond55 assumable homes · median 3.66%
- 152Rio Vista55 assumable homes · median 6.95%
- 153Sylmar55 assumable homes · median 6.33%
- 154Thousand Palms55 assumable homes · median 4.07%
- 155Tracy55 assumable homes · median 6.27%
- 156Visalia55 assumable homes · median 6.50%
- 157Woodland Hills55 assumable homes · median 3.49%
- 158Big Bear City44 assumable homes · median 6.69%
- 159Blythe44 assumable homes · median 4.51%
- 160Bonita44 assumable homes · median 5.06%
- 161Burbank44 assumable homes · median 2.94%
- 162Claremont44 assumable homes · median 6.53%
- 163Clearlake44 assumable homes · median 4.63%
- 164Cypress44 assumable homes · median 3.00%
- 165Downey44 assumable homes · median 5.08%
- 166Dublin44 assumable homes · median 3.72%
- 167Eastvale44 assumable homes · median 4.12%
- 168Elk Grove44 assumable homes · median 4.67%
- 169Fawnskin44 assumable homes · median 4.93%
- 170Fullerton44 assumable homes · median 3.32%
- 171Glendale44 assumable homes · median 4.75%
- 172Granada Hills44 assumable homes · median 3.62%
- 173Grover Beach44 assumable homes · median 3.65%
- 174Hacienda Heights44 assumable homes · median 4.46%
- 175La Puente44 assumable homes · median 5.79%
- 176Mountain House44 assumable homes · median 5.88%
- 177Oak Hills44 assumable homes · median 4.60%
- 178Orange44 assumable homes · median 6.02%
- 179Patterson44 assumable homes · median 4.38%
- 180Pico Rivera44 assumable homes · median 3.80%
- 181Port Hueneme44 assumable homes · median 5.75%
- 182Running Springs44 assumable homes · median 5.29%
- 183Suisun City44 assumable homes · median 4.67%
- 184Trabuco Canyon44 assumable homes · median 6.71%
- 185Vacaville44 assumable homes · median 4.46%
- 186Ventura44 assumable homes · median 6.62%
- 187Walnut Creek44 assumable homes · median 3.59%
- 188Yorba Linda44 assumable homes · median 5.01%
- 189Agoura Hills33 assumable homes · median 7.17%
- 190Alameda33 assumable homes · median 4.52%
- 191Anderson33 assumable homes · median 4.26%
- 192Arleta33 assumable homes · median 2.90%
- 193Arroyo Grande33 assumable homes · median 3.63%
- 194Bellflower33 assumable homes · median 4.72%
- 195Ben Lomond33 assumable homes · median 5.66%
- 196Big Bear Lake33 assumable homes · median 5.23%
- 197Bloomington33 assumable homes · median 4.10%
- 198Bonsall33 assumable homes · median 6.30%
- 199Boron33 assumable homes · median 6.50%
- 200Borrego Springs33 assumable homes · median 4.05%
- 201Boulder Creek33 assumable homes · median 4.05%
- 202Brea33 assumable homes · median 3.89%
- 203Cerritos33 assumable homes · median 6.47%
- 204Clovis33 assumable homes · median 4.54%
- 205Corning33 assumable homes · median 3.00%
- 206Coronado33 assumable homes · median 2.67%
- 207Covina33 assumable homes · median 6.16%
- 208Frazier Park33 assumable homes · median 3.62%
- 209Gilroy33 assumable homes · median 6.69%
- 210Gridley33 assumable homes · median 5.90%
- 211Homeland33 assumable homes · median 4.00%
- 212Idyllwild33 assumable homes · median 6.51%
- 213Irvine33 assumable homes · median 3.55%
- 214Jamestown33 assumable homes · median 4.32%
- 215Julian33 assumable homes · median 5.43%
- 216Lake Arrowhead33 assumable homes · median 4.04%
- 217Lake Hughes33 assumable homes · median 6.12%
- 218Lakeport33 assumable homes · median 3.72%
- 219Lakewood33 assumable homes · median 5.30%
- 220Landers33 assumable homes · median 6.17%
- 221Lathrop33 assumable homes · median 6.63%
- 222Lemon Grove33 assumable homes · median 6.00%
- 223Littlerock33 assumable homes · median 6.50%
- 224Lompoc33 assumable homes · median 3.05%
- 225Marina33 assumable homes · median 6.35%
- 226Mariposa33 assumable homes · median 6.54%
- 227Marysville33 assumable homes · median 6.54%
- 228Montebello33 assumable homes · median 6.49%
- 229Nipomo33 assumable homes · median 3.88%
- 230Northridge33 assumable homes · median 3.55%
- 231Olivehurst33 assumable homes · median 6.64%
- 232Pine Mountain Club33 assumable homes · median 4.85%
- 233Placentia33 assumable homes · median 3.24%
- 234Placerville33 assumable homes · median 6.50%
- 235Rancho Mirage33 assumable homes · median 3.12%
- 236Redding33 assumable homes · median 2.88%
- 237San Pablo33 assumable homes · median 3.73%
- 238Sherman Oaks33 assumable homes · median 3.41%
- 239Stanton33 assumable homes · median 3.50%
- 240Topanga33 assumable homes · median 3.31%
- 241Tuolumne33 assumable homes · median 4.46%
- 242Valley Center33 assumable homes · median 2.88%
- 243Warner Springs33 assumable homes · median 3.99%
- 244Wilmington33 assumable homes · median 5.78%
- 245Wofford Heights33 assumable homes · median 4.55%
- 246Anza22 assumable homes · median 6.52%
- 247Aptos22 assumable homes · median 3.06%
- 248Arcadia22 assumable homes · median 5.47%
- 249Auburn22 assumable homes · median 4.71%
- 250Baldwin Park22 assumable homes · median 6.17%
- 251Boulevard22 assumable homes · median 4.71%
- 252Brawley22 assumable homes · median 3.50%
- 253Campo22 assumable homes · median 7.21%
- 254Canoga Park22 assumable homes · median 4.20%
- 255Chatsworth22 assumable homes · median 5.34%
- 256Chino Hills22 assumable homes · median 6.33%
- 257Chowchilla22 assumable homes · median 4.94%
- 258Citrus Heights22 assumable homes · median 3.52%
- 259Daly City22 assumable homes · median 2.79%
- 260Dana Point22 assumable homes · median 6.70%
- 261Diamond Bar22 assumable homes · median 5.13%
- 262Dulzura22 assumable homes · median 2.95%
- 263El Centro22 assumable homes · median 5.55%
- 264Encinitas22 assumable homes · median 5.84%
- 265Felton22 assumable homes · median 3.78%
- 266Fort Bragg22 assumable homes · median 6.50%
- 267Fremont22 assumable homes · median 3.58%
- 268Gardena22 assumable homes · median 3.23%
- 269Glendora22 assumable homes · median 6.50%
- 270Grand Terrace22 assumable homes · median 4.79%
- 271Groveland22 assumable homes · median 4.86%
- 272Ione22 assumable homes · median 6.85%
- 273La Habra22 assumable homes · median 4.05%
- 274La Mirada22 assumable homes · median 6.86%
- 275Laguna Hills22 assumable homes · median 5.66%
- 276Laguna Niguel22 assumable homes · median 5.62%
- 277Lemoore22 assumable homes · median 6.67%
- 278Leona Valley22 assumable homes · median 4.92%
- 279Lincoln22 assumable homes · median 5.81%
- 280Linda22 assumable homes · median 4.89%
- 281Lodi22 assumable homes · median 4.91%
- 282Martinez22 assumable homes · median 3.22%
- 283Mentone22 assumable homes · median 5.09%
- 284Montague22 assumable homes · median 4.21%
- 285Montclair22 assumable homes · median 4.96%
- 286Monterey22 assumable homes · median 3.25%
- 287Morgan Hill22 assumable homes · median 4.82%
- 288Mountain View22 assumable homes · median 3.29%
- 289Newport Beach22 assumable homes · median 4.58%
- 290Norco22 assumable homes · median 3.25%
- 291Oakhurst22 assumable homes · median 5.47%
- 292Ojai22 assumable homes · median 6.51%
- 293Pasadena22 assumable homes · median 7.22%
- 294Pleasanton22 assumable homes · median 2.84%
- 295Poway22 assumable homes · median 3.02%
- 296Rancho Palos Verdes22 assumable homes · median 3.04%
- 297Red Bluff22 assumable homes · median 3.85%
- 298Roseville22 assumable homes · median 3.51%
- 299San Dimas22 assumable homes · median 4.95%
- 300San Gabriel22 assumable homes · median 3.81%
- 301San Juan Capistrano22 assumable homes · median 3.05%
- 302San Ramon22 assumable homes · median 3.05%
- 303San Ysidro22 assumable homes · median 6.61%
- 304Santa Clara22 assumable homes · median 7.30%
- 305Santa Clarita22 assumable homes · median 5.99%
- 306Santa Cruz22 assumable homes · median 4.61%
- 307Santa Fe Springs22 assumable homes · median 4.21%
- 308Solana Beach22 assumable homes · median 3.26%
- 309Soulsbyville22 assumable homes · median 4.26%
- 310South Gate22 assumable homes · median 4.55%
- 311Studio City22 assumable homes · median 5.50%
- 312Sun Valley22 assumable homes · median 6.61%
- 313Taft22 assumable homes · median 6.41%
- 314Templeton22 assumable homes · median 2.92%
- 315Turlock22 assumable homes · median 4.74%
- 316Tustin22 assumable homes · median 6.31%
- 317Twain Harte22 assumable homes · median 3.41%
- 318Union City22 assumable homes · median 3.54%
- 319Val Verde22 assumable homes · median 6.84%
- 320Van Nuys22 assumable homes · median 5.21%
- 321Walnut22 assumable homes · median 6.91%
- 322Watsonville22 assumable homes · median 5.46%
- 323Willows22 assumable homes · median 4.12%
- 324Winnetka22 assumable homes · median 6.63%
- 325Yuba City22 assumable homes · median 5.04%
- 326Albany11 assumable home · median 6.50%
- 327Altadena11 assumable home · median 3.06%
- 328Arboga11 assumable home · median 2.25%
- 329Aromas11 assumable home · median 2.83%
- 330Bass Lake11 assumable home · median 6.77%
- 331Benicia11 assumable home · median 6.48%
- 332Biggs11 assumable home · median 6.26%
- 333Bradley11 assumable home · median 6.58%
- 334Brookdale11 assumable home · median 5.41%
- 335Buena Park11 assumable home · median 4.61%
- 336Butte Valley11 assumable home · median 3.08%
- 337Cabazon11 assumable home · median 2.78%
- 338Calabasas11 assumable home · median 3.00%
- 339Caliente11 assumable home · median 6.78%
- 340Cambria11 assumable home · median 3.07%
- 341Campbell11 assumable home · median 3.04%
- 342Carmel11 assumable home · median 2.88%
- 343Carmichael11 assumable home · median 3.80%
- 344Castro Valley11 assumable home · median 2.87%
- 345Catheys Valley11 assumable home · median 6.88%
- 346Cherry Valley11 assumable home · median 3.95%
- 347Clayton11 assumable home · median 6.77%
- 348Clearlake Oaks11 assumable home · median 3.02%
- 349Copperopolis11 assumable home · median 6.73%
- 350Corcoran11 assumable home · median 5.23%
- 351Costa Mesa11 assumable home · median 4.24%
- 352Coulterville11 assumable home · median 4.20%
- 353Crockett11 assumable home · median 6.50%
- 354Cudahy11 assumable home · median 3.75%
- 355Cupertino11 assumable home · median 2.29%
- 356Danville11 assumable home · median 6.42%
- 357Delano11 assumable home · median 3.55%
- 358Descanso11 assumable home · median 3.00%
- 359Dinuba11 assumable home · median 2.83%
- 360Dos Palos11 assumable home · median 2.77%
- 361Durham11 assumable home · median 2.87%
- 362El Cerrito11 assumable home · median 6.88%
- 363El Dorado Hills11 assumable home · median 2.39%
- 364El Segundo11 assumable home · median 5.00%
- 365El Sobrante11 assumable home · median 2.70%
- 366Encino11 assumable home · median 6.09%
- 367Escalon11 assumable home · median 2.89%
- 368Forest Falls11 assumable home · median 6.81%
- 369Forest Ranch11 assumable home · median 6.32%
- 370Forestville11 assumable home · median 3.76%
- 371Fountain Valley11 assumable home · median 5.09%
- 372Glenhaven11 assumable home · median 3.10%
- 373Grass Valley11 assumable home · median 6.31%
- 374Green Valley11 assumable home · median 3.02%
- 375Green Valley Lake11 assumable home · median 2.81%
- 376Grizzly Flats11 assumable home · median 6.19%
- 377Guadalupe11 assumable home · median 5.00%
- 378Harbor City11 assumable home · median 6.42%
- 379Hawaiian Gardens11 assumable home · median 3.78%
- 380Huntington Park11 assumable home · median 4.99%
- 381Indian Wells11 assumable home · median 6.82%
- 382Joshua Tree11 assumable home · median 3.45%
- 383Kerman11 assumable home · median 2.81%
- 384La Grange11 assumable home · median 6.26%
- 385La Habra Heights11 assumable home · median 6.62%
- 386La Palma11 assumable home · median 6.50%
- 387Lake Isabella11 assumable home · median 2.73%
- 388Lake Los Angeles11 assumable home · median 3.82%
- 389Lawndale11 assumable home · median 6.33%
- 390Lebec11 assumable home · median 5.75%
- 391Live Oak11 assumable home · median 6.79%
- 392Livingston11 assumable home · median 5.12%
- 393Loomis11 assumable home · median 4.56%
- 394Los Molinos11 assumable home · median 2.81%
- 395Los Olivos11 assumable home · median 2.99%
- 396Lower Lake11 assumable home · median 6.16%
- 397Lynwood11 assumable home · median 2.72%
- 398Lytle Creek11 assumable home · median 6.26%
- 399Marina del Rey11 assumable home · median 6.33%
- 400Menlo Park11 assumable home · median 2.77%
- 401Mokelumne Hill11 assumable home · median 2.98%
- 402Moorpark11 assumable home · median 2.77%
- 403Moraga11 assumable home · median 3.90%
- 404Morongo Valley11 assumable home · median 6.88%
- 405Morro Bay11 assumable home · median 3.72%
- 406Mountain Center11 assumable home · median 6.85%
- 407Murphys11 assumable home · median 3.43%
- 408Needles11 assumable home · median 6.17%
- 409Newark11 assumable home · median 6.47%
- 410Nice11 assumable home · median 3.15%
- 411North Fork11 assumable home · median 6.34%
- 412North Tustin11 assumable home · median 3.54%
- 413Novato11 assumable home · median 3.18%
- 414Nuevo11 assumable home · median 6.58%
- 415Oak Park11 assumable home · median 3.03%
- 416Oakdale11 assumable home · median 7.62%
- 417Orland11 assumable home · median 5.88%
- 418Pacific Palisades11 assumable home · median 6.10%
- 419Palermo11 assumable home · median 2.88%
- 420Palo Verde11 assumable home · median 6.78%
- 421Pearblossom11 assumable home · median 6.87%
- 422Pine Valley11 assumable home · median 7.04%
- 423Pioneertown11 assumable home · median 2.73%
- 424Piru11 assumable home
- 425Pleasant Hill11 assumable home · median 3.51%
- 426Porterville11 assumable home · median 5.52%
- 427Quartz Hill11 assumable home · median 4.45%
- 428Quincy11 assumable home · median 6.66%
- 429Rancho Cordova11 assumable home · median 3.12%
- 430Redondo Beach11 assumable home · median 2.75%
- 431Redwood City11 assumable home · median 6.78%
- 432Rio Linda11 assumable home · median 4.17%
- 433Ripon11 assumable home · median 3.58%
- 434Rocklin11 assumable home · median 3.34%
- 435Rodeo11 assumable home · median 2.90%
- 436Romoland11 assumable home · median 3.07%
- 437Rosemead11 assumable home · median 2.83%
- 438Salida11 assumable home · median 2.89%
- 439Salton City11 assumable home · median 7.09%
- 440San Andreas11 assumable home · median 6.50%
- 441San Ardo11 assumable home · median 6.86%
- 442San Clemente11 assumable home · median 5.75%
- 443Santa Barbara11 assumable home · median 2.81%
- 444Santa Monica11 assumable home · median 3.00%
- 445Santa Ysabel11 assumable home · median 2.87%
- 446Signal Hill11 assumable home · median 3.13%
- 447Silverado11 assumable home · median 3.23%
- 448Soledad11 assumable home · median 3.65%
- 449Soquel11 assumable home · median 6.90%
- 450Stratford11 assumable home · median 6.36%
- 451Sugarloaf11 assumable home · median 6.92%
- 452Sunland11 assumable home · median 6.50%
- 453Toluca Lake11 assumable home · median 2.95%
- 454Tujunga11 assumable home · median 4.99%
- 455Twentynine Palms11 assumable home · median 4.83%
- 456Twin Peaks11 assumable home · median 7.50%
- 457Upper Lake11 assumable home · median 2.80%
- 458Valley Springs11 assumable home · median 6.63%
- 459West Hollywood11 assumable home · median 6.77%
- 460Westlake Village11 assumable home · median 3.69%
- 461Whitewater11 assumable home · median 6.71%
- 462Willits11 assumable home · median 2.96%
- 463Winters11 assumable home · median 6.14%
- 464Woodland11 assumable home · median 3.31%
- 465Yreka11 assumable home · median 3.38%
Also covered in California, no verified assumable listings today:
- Acampo
- Agua Dulce
- Ahwahnee
- Albion
- Alderpoint
- Alhambra
- Alleghany
- Alpaugh
- Alta
- Alturas
- Amador City
- American Canyon
- Angels Camp
- Angelus Oaks
- Angwin
- Antelope
- Applegate
- Arbuckle
- Arcata
- Armona
- Arnold
- Artesia
- Artois
- Arvin
- Atascadero
- Atherton
- Auberry
- Avalon
- Avenal
- Avery
- Avila Beach
- Baker
- Ballico
- Bangor
- Bay Point
- Beale AFB
- Bear Valley
- Belden
- Bell
- Bell Canyon
- Bell Gardens
- Belmont
- Berkeley
- Berry Creek
- Bethel Island
- Beverly Hills
- Bieber
- Big Bar
- Big Creek
- Big River
- Big Sur
- Biola
- Bishop
- Blairsden Graeagle
- Blue Jay
- Bodega Bay
- Bodfish
- Boonville
- Bradbury
- Branscomb
- Bridgeport
- Bridgeville
- Brisbane
- Brooks
- Browns Valley
- Brownsville
- Buellton
- Burlingame
- Burney
- Burson
- Butte Meadows
- Buttonwillow
- Byron
- Calexico
- California Hot Springs
- Calipatria
- Calistoga
- Calpella
- Calpine
- Cameron Park
- Camino
- Camp Connell
- Campo Seco
- Camptonville
- Canby
- Cantua Creek
- Capay
- Capitola
- Cardiff by the Sea
- Carlotta
- Carmel Valley
- Carnelian Bay
- Carpinteria
- Caruthers
- Casmalia
- Caspar
- Castella
- Castroville
- Cayucos
- Cedar Glen
- Cedarpines Park
- Cedarville
- Ceres
- Challenge
- Chester
- Chilcoot
- Chinese Camp
- Chualar
- City of Industry
- Clarksburg
- Clements
- Clio
- Clipper Mills
- Cloverdale
- Coalinga
- Cobb
- Cohasset
- Cold Springs
- Colfax
- Colma
- Columbia
- Colusa
- Commerce
- Comptche
- Cool
- Corona del Mar
- Corte Madera
- Cotati
- Coto de Caza
- Cottonwood
- Courtland
- Covelo
- Crescent City
- Crescent Mills
- Cressey
- Creston
- Crows Landing
- Cutler
- Cuyama
- Daggett
- Davenport
- Davis
- Del Mar
- Del Rey
- Del Rey Oaks
- Delhi
- Denair
- Desert Center
- Diablo
- Diamond Springs
- Dillon Beach
- Dixon
- Dobbins
- Dorris
- Douglas City
- Douglas Flat
- Downieville
- Doyle
- Drytown
- Duarte
- Ducor
- Dunlap
- Dunnigan
- Dunsmuir
- Dutch Flat
- Earlimart
- East Palo Alto
- Echo Lake
- Edwards
- El Dorado
- El Granada
- El Macero
- El Mirage
- El Monte
- El Nido
- El Portal
- Elk
- Elk Creek
- Elverta
- Emeryville
- Emigrant Gap
- Empire
- Esparto
- Essex
- Etna
- Eureka
- Exeter
- Fair Oaks
- Fairfax
- Fall River Mills
- Farmersville
- Farmington
- Fellows
- Fiddletown
- Firebaugh
- Fish Camp
- Five Points
- Floriston
- Flournoy
- Folsom
- Foothill Ranch
- Forbestown
- Forest Knolls
- Foresthill
- Fort Jones
- Fortuna
- Foster City
- Fowler
- Freedom
- French Camp
- French Gulch
- Friant
- Fulton
- Galt
- Garberville
- Garden Valley
- Gazelle
- Georgetown
- Gerber
- Geyserville
- Glen Ellen
- Glencoe
- Glenn
- Gold River
- Gold Run
- Goleta
- Gonzales
- Goodyears Bar
- Graeagle
- Granite Bay
- Greenbrae
- Greenfield
- Greenview
- Greenville
- Greenwood
- Grenada
- Grimes
- Gualala
- Guatay
- Guerneville
- Guinda
- Gustine
- Half Moon Bay
- Hamilton City
- Happy Camp
- Harmony
- Hathaway Pines
- Havilah
- Hayfork
- Healdsburg
- Heber
- Helm
- Herald
- Herlong
- Hermosa Beach
- Hi Vista
- Hickman
- Hidden Hills
- Hillsborough
- Hilmar
- Hinkley
- Holtville
- Homewood
- Honcut
- Hood
- Hopland
- Hornbrook
- Hornitos
- Hughson
- Huron
- Hyampom
- Igo
- Imperial
- Inverness
- Inyokern
- Irwindale
- Isla Vista
- Isleton
- Ivanhoe
- Jackson
- Jacumba
- Janesville
- Jenner
- Johnson Valley
- Junction City
- June Lake
- Juniper Hills
- Keene
- Kensington
- Kentfield
- Kenwood
- Kernville
- Kettleman City
- Keyes
- King City
- Kings Beach
- Kingsburg
- Kirkwood
- Klamath River
- Knights Landing
- Kyburz
- La Cañada Flintridge
- La Crescenta
- La Honda
- La Jolla
- La Porte
- La Selva Beach
- La Verne
- Ladera Ranch
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Lamont
- Laton
- Laytonville
- Le Grand
- Leggett
- Lewiston
- Linden
- Lindsay
- Little River
- Llano
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
- Long Barn
- Los Alamitos
- Los Alamos
- Los Altos
- Los Altos Hills
- Los Gatos
- Los Osos
- Lost Hills
- Lotus
- Loyalton
- Lucerne
- Macdoel
- Madison
- Malibu
- Mammoth Lakes
- Manchester
- Manhattan Beach
- Manton
- Maricopa
- Markleeville
- Mather
- Maxwell
- Maywood
- McArthur
- McCloud
- McFarland
- McKinleyville
- McKittrick
- Meadow Vista
- Mecca
- Mendocino
- Mendota
- Meridian
- Mi Wuk Village
- Middletown
- Midpines
- Midway City
- Milford
- Mill Creek
- Mill Valley
- Millbrae
- Millville
- Milpitas
- Mineral
- Mira Loma
- Miramonte
- Mission Hills
- Mojave
- Monrovia
- Montara
- Monte Rio
- Monte Sereno
- Montecito
- Monterey Park
- Montgomery Creek
- Montrose
- Moss Beach
- Moss Landing
- Mount Aukum
- Mount Baldy
- Mount Hermon
- Mount Laguna
- Mount Shasta
- Mountain Mesa
- Mountain Ranch
- Muir Beach
- Napa
- Nevada City
- New Cuyama
- Newberry Springs
- Newcastle
- Newman
- Newport Coast
- Nicolaus
- Niland
- Nipton
- North Edwards
- North Highlands
- North Palm Springs
- North San Juan
- O'Neals
- Oak Glen
- Oak Run
- Oak View
- Occidental
- Oceano
- Ocotillo
- Olancha
- Old Station
- Olympic Valley
- Onyx
- Orange Cove
- Orangevale
- Oregon House
- Orinda
- Oro Grande
- Orosi
- Pacheco
- Pacific Grove
- Pacifica
- Paicines
- Pala
- Palo Alto
- Palo Cedro
- Palomar Mountain
- Palos Verdes Estates
- Palos Verdes Peninsula
- Paramount
- Parlier
- Paskenta
- Pauma Valley
- Paynes Creek
- Pebble Beach
- Penn Valley
- Penryn
- Pescadero
- Petaluma
- Philo
- Piedmont
- Pilot Hill
- Pine Grove
- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
- Pismo Beach
- Pixley
- Planada
- Platina
- Playa del Rey
- Playa Vista
- Pleasant Grove
- Plumas Lake
- Plymouth
- Point Arena
- Pollock Pines
- Pope Valley
- Port Costa
- Portola
- Portola Valley
- Posey
- Potrero
- Potter Valley
- Prather
- Princeton
- Prunedale
- Rackerby
- Rail Road Flat
- Raisin City
- Ranchita
- Rancho Murieta
- Rancho Santa Fe
- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richgrove
- Richvale
- Rimforest
- Rio Oso
- Riverbank
- Riverdale
- Robbins
- Rohnert Park
- Rolling Hills
- Rolling Hills Estates
- Rough and Ready
- Round Mountain
- Rowland Heights
- Royal Oaks
- Rumsey
- Salyer
- San Anselmo
- San Bruno
- San Carlos
- San Fernando
- San Francisco
- San Geronimo
- San Joaquin
- San Juan Bautista
- San Leandro
- San Lorenzo
- San Lucas
- San Luis Obispo
- San Marino
- San Martin
- San Mateo
- San Miguel Island
- San Rafael
- San Simeon
- Sand City
- Sanger
- Santa Margarita
- Santa Nella
- Santa Rosa
- Santa Ynez
- Saratoga
- Sausalito
- Scotts Valley
- Seal Beach
- Seaside
- Sebastopol
- Selma
- Shafter
- Shandon
- Shasta
- Shasta Lake
- Shaver Lake
- Sheep Ranch
- Sheridan
- Sherwood Forest
- Shingle Springs
- Shingletown
- Sierra City
- Sierra Madre
- Sierraville
- Skyforest
- Sloughhouse
- Smartsville
- Smith River
- Snelling
- Soda Springs
- Solvang
- Somis
- Sonoma
- South El Monte
- South Lake Tahoe
- South Pasadena
- South San Francisco
- Spreckels
- Springville
- St. Helena
- Standish
- Stanford
- Stevenson Ranch
- Stevinson
- Stinson Beach
- Stirling City
- Stonyford
- Strathmore
- Strawberry
- Strawberry Valley
- Summerland
- Sun Village
- Sunnyvale
- Sunol
- Sunset Beach
- Susanville
- Sutter
- Sutter Creek
- Tahoe City
- Tahoe Vista
- Tahoma
- Tarzana
- Tecate
- Tecopa
- Temple City
- Termo
- Terra Bella
- The Sea Ranch
- Thornton
- Three Rivers
- Tiburon
- Tipton
- Tollhouse
- Tomales
- Tranquillity
- Traver
- Tres Pinos
- Trinity Center
- Trona
- Truckee
- Tulare
- Tulelake
- Twain
- Twin Bridges
- Ukiah
- Vallecito
- Valley Home
- Valley Village
- Valyermo
- Venice
- Vernalis
- Vernon
- Victor
- View Park
- Villa Park
- Vinton
- Volcano
- Wallace
- Walnut Grove
- Wasco
- Waterford
- Wawona
- Weaverville
- Weed
- Weldon
- West Point
- West Sacramento
- Westley
- Westminster
- Westmorland
- Westport
- Westwood
- Wheatland
- Whitethorn
- Whitmore
- Williams
- Willow Springs
- Wilseyville
- Wilton
- Windsor
- Winterhaven
- Winton
- Wishon
- Woodbridge
- Woodlake
- Woodside
- Woody
- Wrightwood
- Yankee Hill
- Yermo
- Yokuts Valley
- Yolo
- Yosemite National Park
- Yountville
- Zamora
- Zenia
About the market
Assumable mortgagesin California, explained.
Every number on this page comes from the live MLS feeds UMe indexes across California. Updated October 2026.
How assumptions work for buyersCalifornia has 3,873 homes for sale with an assumable mortgage as of October 2026: 2,353 FHA loans and 1,520 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 California assumable listings start at 2.10% with a median of 5.09%; 1,600 listings are under 4% and 1,893 are under 5%.
The median assumable home in California lists for $590,000, with a median of $183,819 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 $2,311 a month versus $3,132 for the same balance at today's rate, roughly $822 kept every month and $9,859 a year. The deepest California inventory is in San Diego (228), Los Angeles (120), Victorville (95), Hemet (84), and Menifee (84).
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 California assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across California
View all 3,873 on the map Homes on the marketacross California.
FHATop pick
Active
$470,000$8,816 down
- Rate
- 3.10%
7.28%today- Payment
- $2,182/mo
$3,497today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
FHATop pick
Active
35$2,250,000$83,083 down
- Rate
- 3.21%
7.28%today- Payment
- $10,825/mo
$17,105today
- —beds
- —baths
- —sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 down
- Rate
- 2.79%
7.28%today- Payment
- $2,253/mo
$3,757today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
VATop pick
Active
36$525,000$36,229 down
- Rate
- 2.87%
7.28%today- Payment
- $2,269/mo
$3,745today
- 2beds
- 2baths
- 1,047sqft
6717 Friars Rd #74, San Diego
VATop pick
Active
14$450,000$31,672 down
- Rate
- 2.87%
7.28%today- Payment
- $1,951/mo
$3,220today
- 2beds
- 2baths
- 1,104sqft
801 Yankee Point Way, Oceanside
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 California.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 3,873
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.09%
- Median list price
- $590,000
- Median cash to assume
- $183,819
California listings by locked rate
- Under 4%1,600 homes
- 4% – 5%293 homes
- 5% – 6%265 homes
- 6% and up1,686 homes
California listings by loan type
- FHA2,353 homesmedian 5.66%
- VA1,520 homesmedian 3.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the California numbers
What an assumable ratedoes to a California payment.
The sliders start at the median California assumable listing: $590,000 list price and a 5.09% 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)$185,000
31% 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 California
$2,346/mo
New loan at 7.20%$2,749
Assumed at 5.10%
$2,346
Every month$403
Over five years$24,189
Interest you never pay$257,74126-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 California listing on UMe shows the actual balance, rate, and payment.
How it works in California
How to assumea mortgage in California.
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 California home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the California 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 $183,819 in California 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 California payment written in a different decade.
California questions
Assuming a mortgagein California.
The numbers below come from current California inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in California?
As of October 2026, UMe tracks 3,873 active assumable listings in California. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in California?
Current California inventory breaks down as FHA (2,353, median 5.66%) and VA (1,520, median 3.92%). 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 California?
The lowest rate on an active California assumable listing is 2.10%, and the median across all 3,873 listings is 5.09%. 1,600 listings are under 4% and 1,893 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 California?
Across current California listings, the median principal-and-interest payment on the assumable loan is $2,311 per month versus $3,132 for the same balance at today's rates, a difference of about $822 every month, or $9,859 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 California?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In California that gap is currently a median of $183,819 on a median list price of $590,000. 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 California cities have the most assumable homes?
The deepest assumable inventory in California is in San Diego (228), Los Angeles (120), Victorville (95), Hemet (84), and Menifee (84). Each city has its own page with live counts, rates, and neighborhoods, and the California map lets you search the whole state at once.
How long does a mortgage assumption take in California?
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.
Ready when you are
Stop overpaying for California.The rate is already on the house.
Every listing on the California map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
