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
Compton, California
Assumable homes for salein Compton, California.
17 homes in Compton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.24%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Compton assumable market
by the numbers.
17active assumable listings
2.24%lowest locked rate
$625kmedian list price
$450saved per month vs. 7.2%
About the market
Assumable mortgagesin Compton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Compton. Updated October 2026.
How assumptions work for buyersCompton, California has 17 homes for sale with an assumable mortgage as of October 2026: 16 FHA loans and 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 Compton assumable listings start at 2.24% with a median of 6.50%; 3 listings are under 4% and 5 are under 5%.
The median assumable home in Compton lists for $625,000, with a median of $165,119 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 $3,092 a month versus $3,543 for the same balance at today's rate, roughly $450 kept every month and $5,405 a year. The most active Compton ZIP codes are 90220 (9), 90222 (6), and 90221 (2).
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 Compton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Compton
View all 17 on the map Homes on the marketin Compton.
FHA
Active
5$885,000$162,889 down
- Rate
- 2.24%
7.28%today- Payment
- $3,092/mo
$5,543today
- —beds
- —baths
- —sqft
338 Magnolia Street, Compton
FHA
Active
41$2,250,000$367,160 down
- Rate
- 2.83%
7.28%today- Payment
- $13,653/mo
$19,805today
- —beds
- —baths
- —sqft
4816 Saturn Street, Los Angeles
FHA
Active
40$724,000$124,736 down
- Rate
- 2.87%
7.28%today- Payment
- $2,789/mo
$4,602today
- 5beds
- 2baths
- 1,768sqft
953 Hollins Street, Los Angeles
FHA
Active
27$698,900$137,261 down
- Rate
- 2.88%
7.28%today- Payment
- $2,605/mo
$4,293today
- 4beds
- 3baths
- 1,805sqft
10970 Avalon Boulevard, Los Angeles
VA
Active
31$649,000$122,376 down
- Rate
- 2.94%
7.28%today- Payment
- $2,487/mo
$4,066today
- 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 Compton.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 2.24%
- Median rate
- 6.50%
- Median list price
- $625,000
- Median cash to assume
- $165,119
Compton listings by locked rate
- Under 4%3 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up11 homes
Compton listings by loan type
- FHA16 homesmedian 6.55%
- VA1 homemedian 2.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Compton ZIP code.
Each ZIP opens the Compton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Compton numbers
What an assumable ratedoes to a Compton payment.
The sliders start at the median Compton assumable listing: $625,000 list price and a 6.50% 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)$165,000
26% 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 Compton
$3,059/mo
New loan at 7.20%$3,122
Assumed at 6.50%
$3,059
Every month$64
Over five years$3,828
Interest you never pay$169,78326-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 Compton listing on UMe shows the actual balance, rate, and payment.
How it works in Compton
How to assumea mortgage in Compton.
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 Compton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Compton 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 $165,119 in Compton 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 Compton payment written in a different decade.
Compton questions
Assuming a mortgagein Compton.
The numbers below come from current Compton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Compton?
As of October 2026, UMe tracks 17 active assumable listings in Compton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Compton?
Current Compton inventory breaks down as FHA (16, median 6.55%) and VA (1, median 2.67%). 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 Compton?
The lowest rate on an active Compton assumable listing is 2.24%, and the median across all 17 listings is 6.50%. 3 listings are under 4% and 5 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 Compton?
Across current Compton listings, the median principal-and-interest payment on the assumable loan is $3,092 per month versus $3,543 for the same balance at today's rates, a difference of about $450 every month, or $5,405 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 Compton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Compton that gap is currently a median of $165,119 on a median list price of $625,000. 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 Compton ZIP codes have the most assumable homes?
The Compton ZIP codes with the most active assumable listings are 90220 (9), 90222 (6), and 90221 (2). 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 Compton?
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 Compton.The rate is already on the house.
Every listing on the Compton map has a rate you can take over. Start with the ones in Compton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
