FHA
Active
74$390,000$64,136 down
- Rate
- 3.45%
7.28%today- Payment
- $1,599/mo
$2,452today
- —beds
- —baths
- —sqft
Coarsegold, California
Assumable homes for salein Coarsegold, California.
10 homes in Coarsegold carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.07%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Coarsegold assumable market
by the numbers.
10active assumable listings
3.07%lowest locked rate
$400kmedian list price
$337saved per month vs. 7.2%
About the market
Assumable mortgagesin Coarsegold, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Coarsegold. Updated October 2026.
How assumptions work for buyersCoarsegold, California has 10 homes for sale with an assumable mortgage as of October 2026: 6 FHA loans and 4 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 Coarsegold assumable listings start at 3.07% with a median of 6.13%; 2 listings are under 4% and 4 are under 5%.
The median assumable home in Coarsegold lists for $399,500, with a median of $52,924 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 $2,081 a month versus $2,418 for the same balance at today's rate, roughly $337 kept every month and $4,049 a year. The most active Coarsegold ZIP codes are 93614 (10).
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 Coarsegold assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Coarsegold
View all 10 on the map Homes on the marketin Coarsegold.
FHA
Active
54$399,000$91,258 down
- Rate
- 3.07%
7.28%today- Payment
- $1,458/mo
$2,345today
- 3beds
- 3baths
- 1,926sqft
29206 Yosemite Springs Parkway, Coarsegold
FHA
Active
75$483,800$240,094 down
- Rate
- 4.03%
7.28%today- Payment
- $1,410/mo
$2,014today
- 4beds
- 4baths
- 3,100sqft
28977 Long Hollow Court, Coarsegold
FHA
Active
45$450,000$229,320 down
- Rate
- 4.13%
7.28%today- Payment
- $1,328/mo
$1,873today
- 3beds
- 3baths
- 2,338sqft
50622 Critter Creek Lane, Oakhurst
VA
Active
61$450,000$206,859 down
- Rate
- 4.20%
7.28%today- Payment
- $1,465/mo
$2,049today
- 4beds
- 3baths
- 2,290sqft
31749 Road 400, Coarsegold
FHA
Active
65$345,000Potential short sale
- Rate
- 6.77%
7.28%today- Payment
- $2,310/mo
$2,432today
- 3beds
- 2baths
- 1,253sqft
50850 Smoke Tree, Bass Lake
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 Coarsegold.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 3.07%
- Median rate
- 6.13%
- Median list price
- $399,500
- Median cash to assume
- $52,924
Coarsegold listings by locked rate
- Under 4%2 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up6 homes
Coarsegold listings by loan type
- FHA6 homesmedian 5.01%
- VA4 homesmedian 6.48%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Coarsegold ZIP code.
Each ZIP opens the Coarsegold map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Coarsegold numbers
What an assumable ratedoes to a Coarsegold payment.
The sliders start at the median Coarsegold assumable listing: $399,500 list price and a 6.13% 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)$55,000
14% 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 Coarsegold
$2,218/mo
New loan at 7.20%$2,342
Assumed at 6.15%
$2,218
Every month$124
Over five years$7,413
Interest you never pay$150,95526-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 Coarsegold listing on UMe shows the actual balance, rate, and payment.
How it works in Coarsegold
How to assumea mortgage in Coarsegold.
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 Coarsegold home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Coarsegold 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 $52,924 in Coarsegold 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 Coarsegold payment written in a different decade.
Coarsegold questions
Assuming a mortgagein Coarsegold.
The numbers below come from current Coarsegold inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Coarsegold?
As of October 2026, UMe tracks 10 active assumable listings in Coarsegold. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Coarsegold?
Current Coarsegold inventory breaks down as FHA (6, median 5.01%) and VA (4, median 6.48%). 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 Coarsegold?
The lowest rate on an active Coarsegold assumable listing is 3.07%, and the median across all 10 listings is 6.13%. 2 listings are under 4% and 4 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 Coarsegold?
Across current Coarsegold listings, the median principal-and-interest payment on the assumable loan is $2,081 per month versus $2,418 for the same balance at today's rates, a difference of about $337 every month, or $4,049 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 Coarsegold?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Coarsegold that gap is currently a median of $52,924 on a median list price of $399,500. 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 Coarsegold ZIP codes have the most assumable homes?
The Coarsegold ZIP codes with the most active assumable listings are 93614 (10). 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 Coarsegold?
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 Coarsegold.The rate is already on the house.
Every listing on the Coarsegold map has a rate you can take over. Start with the ones in Coarsegold, get pre-qualified in minutes, and let UMe carry the assumption to closing.
