Clearlake Oaks, California
Assumable homes for salein Clearlake Oaks, California.
1 home in Clearlake Oaks carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.02%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Clearlake Oaks assumable market
by the numbers.
Assumable mortgagesin Clearlake Oaks, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Clearlake Oaks. Updated October 2026.
How assumptions work for buyersClearlake Oaks, 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 Clearlake Oaks assumable listings start at 3.02% with a median of 3.02%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Clearlake Oaks lists for $185,000, with a median of $38,742 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 $701 a month versus $1,163 for the same balance at today's rate, roughly $461 kept every month and $5,534 a year. The most active Clearlake Oaks ZIP codes are 95423 (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 Clearlake Oaks assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketin Clearlake Oaks.
No verified listings in Clearlake Oaks yet.
New assumable listings land every week across California. Search the full map, or save a Clearlake Oaks search and we’ll email you the moment one appears.
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.
What’s in the mixin Clearlake Oaks.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.02%
- Median rate
- 3.02%
- Median list price
- $185,000
- Median cash to assume
- $38,742
Clearlake Oaks listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Clearlake Oaks listings by loan type
- FHA1 homemedian 3.02%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Assumable homesby Clearlake Oaks ZIP code.
Each ZIP opens the Clearlake Oaks map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
What an assumable ratedoes to a Clearlake Oaks payment.
The sliders start at the median Clearlake Oaks assumable listing: $185,000 list price and a 3.02% 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.
22% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Clearlake Oaks listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Clearlake Oaks.
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 Clearlake Oaks home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Clearlake Oaks 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 $38,742 in Clearlake Oaks 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 Clearlake Oaks payment written in a different decade.
Assuming a mortgagein Clearlake Oaks.
The numbers below come from current Clearlake Oaks inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Clearlake Oaks?
As of October 2026, UMe tracks 1 active assumable listing in Clearlake Oaks. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Clearlake Oaks?
Current Clearlake Oaks inventory breaks down as FHA (1, median 3.02%). 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 Clearlake Oaks?
The lowest rate on an active Clearlake Oaks assumable listing is 3.02%, and the median across all 1 listing is 3.02%. 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 Clearlake Oaks?
Across current Clearlake Oaks listings, the median principal-and-interest payment on the assumable loan is $701 per month versus $1,163 for the same balance at today's rates, a difference of about $461 every month, or $5,534 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 Clearlake Oaks?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Clearlake Oaks that gap is currently a median of $38,742 on a median list price of $185,000. 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 Clearlake Oaks ZIP codes have the most assumable homes?
The Clearlake Oaks ZIP codes with the most active assumable listings are 95423 (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 Clearlake Oaks?
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.
More assumable homesin California.
Stop overpaying for Clearlake Oaks.The rate is already on the house.
Every listing on the Clearlake Oaks map has a rate you can take over. Start with the ones in Clearlake Oaks, get pre-qualified in minutes, and let UMe carry the assumption to closing.
