VA
Active
35$829,000$117,051 down
- Rate
- 2.875%
7.28%today- Payment
- $3,361/mo
$5,542today
- 3beds
- 3baths
- 1,938sqft
Castro Valley, California
Assumable homes for salein Castro Valley, California.
1 home in Castro Valley carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Castro Valley assumable market
by the numbers.
1active assumable listing
2.87%lowest locked rate
$1,450kmedian list price
$3,317saved per month vs. 7.2%
About the market
Assumable mortgagesin Castro Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Castro Valley. Updated October 2026.
How assumptions work for buyersCastro Valley, California has 1 home for sale with an assumable mortgage as of October 2026: 1 VA 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 Castro Valley assumable listings start at 2.87% with a median of 2.87%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Castro Valley lists for $1,450,000, with a median of $418,804 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 $4,810 a month versus $8,127 for the same balance at today's rate, roughly $3,317 kept every month and $39,806 a year. The most active Castro Valley ZIP codes are 94552 (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 Castro Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Castro Valley
View all 1 on the map Homes on the marketin Castro Valley.
VA
Active
84$1,450,000$418,804 down
- Rate
- 2.87%
7.28%today- Payment
- $4,810/mo
$7,937today
- 3beds
- 2baths
- 1,612sqft
9338 Crow Canyon Rd, Castro Valley
VA
Active
36$1,090,000$233,161 down
- Rate
- 2.94%
7.28%today- Payment
- $4,046/mo
$6,616today
- 4beds
- 3baths
- 1,958sqft
232 Caterina Way, Hayward
FHA
Active
37$675,000$87,841 down
- Rate
- 3.62%
7.28%today- Payment
- $3,088/mo
$4,636today
- 3beds
- 1baths
- 1,040sqft
6616 Outlook Ave, Oakland
VA
Active
34$1,298,000$323,483 down
- Rate
- 3.17%
7.28%today- Payment
- $4,739/mo
$7,526today
- 3beds
- 3baths
- 1,492sqft
2424 Douglas Street, Union City
VA
Active
46$599,950$187,633 down
- Rate
- 3.21%
7.28%today- Payment
- $2,055/mo
$3,247today
- 3beds
- 3baths
- 1,336sqft
1701 Calais Court, Hayward
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 Castro Valley.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 2.87%
- Median list price
- $1,450,000
- Median cash to assume
- $418,804
Castro Valley listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Castro Valley listings by loan type
- VA1 homemedian 2.87%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Castro Valley ZIP code.
Each ZIP opens the Castro Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Castro Valley numbers
What an assumable ratedoes to a Castro Valley payment.
The sliders start at the median Castro Valley assumable listing: $1,450,000 list price and a 2.87% 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
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 Castro Valley
$4,678/mo
New loan at 7.20%$6,992
Assumed at 2.85%
$4,678
Every month$2,314
Over five years$138,821
Interest you never pay$1,057,46026-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 Castro Valley listing on UMe shows the actual balance, rate, and payment.
How it works in Castro Valley
How to assumea mortgage in Castro Valley.
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 Castro Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Castro Valley 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 $418,804 in Castro Valley 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 Castro Valley payment written in a different decade.
Castro Valley questions
Assuming a mortgagein Castro Valley.
The numbers below come from current Castro Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Castro Valley?
As of October 2026, UMe tracks 1 active assumable listing in Castro Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Castro Valley?
Current Castro Valley inventory breaks down as VA (1, median 2.87%). 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 Castro Valley?
The lowest rate on an active Castro Valley assumable listing is 2.87%, and the median across all 1 listing is 2.87%. 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 Castro Valley?
Across current Castro Valley listings, the median principal-and-interest payment on the assumable loan is $4,810 per month versus $8,127 for the same balance at today's rates, a difference of about $3,317 every month, or $39,806 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 Castro Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Castro Valley that gap is currently a median of $418,804 on a median list price of $1,450,000. 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 Castro Valley ZIP codes have the most assumable homes?
The Castro Valley ZIP codes with the most active assumable listings are 94552 (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 Castro Valley?
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 Castro Valley.The rate is already on the house.
Every listing on the Castro Valley map has a rate you can take over. Start with the ones in Castro Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
