VATop pick
Active
41$319,999$23,056 down
- Rate
- 2.75%
7.28%today- Payment
- $1,357/mo
$2,275today
- 1beds
- 1baths
- 655sqft
Coronado, California
Assumable homes for salein Coronado, California.
3 homes in Coronado carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Coronado assumable market
by the numbers.
3active assumable listings
2.65%lowest locked rate
$2,499kmedian list price
$1,641saved per month vs. 7.2%
About the market
Assumable mortgagesin Coronado, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Coronado. Updated October 2026.
How assumptions work for buyersCoronado, California has 3 homes for sale with an assumable mortgage as of October 2026: 3 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 Coronado assumable listings start at 2.65% with a median of 2.67%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Coronado lists for $2,499,000, with a median of $1,961,388 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 $2,236 a month versus $3,877 for the same balance at today's rate, roughly $1,641 kept every month and $19,694 a year. The most active Coronado ZIP codes are 92118 (3).
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 Coronado assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Coronado
View all 3 on the map Homes on the marketin Coronado.
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
36$499,000$28,198 down
- Rate
- 3.10%
7.28%today- Payment
- $2,228/mo
$3,570today
- 2beds
- 2baths
- 1,125sqft
215 Camlau #B, Chula Vista
VATop pick
Active
19$374,900$26,547 down
- Rate
- 3.12%
7.28%today- Payment
- $1,652/mo
$2,640today
- —beds
- 1baths
- 526sqft
550 15th St. #207, San Diego
VA
Active
58$499,000$79,346 down
- Rate
- 2.72%
7.28%today- Payment
- $1,962/mo
$3,301today
- 1beds
- 1baths
- 828sqft
1050 Island #211, San Diego
VA
Active
33$350,000$62,190 down
- Rate
- 2.88%
7.28%today- Payment
- $1,338/mo
$2,205today
- 1beds
- 1baths
- 724sqft
5980 Dandridge Lane #225, San Diego
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 Coronado.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 2.67%
- Median list price
- $2,499,000
- Median cash to assume
- $1,961,388
Coronado listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Coronado listings by loan type
- VA3 homesmedian 2.67%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Coronado ZIP code.
Each ZIP opens the Coronado map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Coronado numbers
What an assumable ratedoes to a Coronado payment.
The sliders start at the median Coronado assumable listing: $2,499,000 list price and a 2.67% 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)$1,960,000
78% 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 Coronado
$2,397/mo
New loan at 7.20%$3,665
Assumed at 2.65%
$2,397
Every month$1,269
Over five years$76,120
Interest you never pay$571,76626-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 Coronado listing on UMe shows the actual balance, rate, and payment.
How it works in Coronado
How to assumea mortgage in Coronado.
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 Coronado home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Coronado 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 $1,961,388 in Coronado 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 Coronado payment written in a different decade.
Coronado questions
Assuming a mortgagein Coronado.
The numbers below come from current Coronado inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Coronado?
As of October 2026, UMe tracks 3 active assumable listings in Coronado. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Coronado?
Current Coronado inventory breaks down as VA (3, 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 Coronado?
The lowest rate on an active Coronado assumable listing is 2.65%, and the median across all 3 listings is 2.67%. 2 listings are under 4% and 2 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 Coronado?
Across current Coronado listings, the median principal-and-interest payment on the assumable loan is $2,236 per month versus $3,877 for the same balance at today's rates, a difference of about $1,641 every month, or $19,694 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 Coronado?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Coronado that gap is currently a median of $1,961,388 on a median list price of $2,499,000. 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 Coronado ZIP codes have the most assumable homes?
The Coronado ZIP codes with the most active assumable listings are 92118 (3). 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 Coronado?
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 Coronado.The rate is already on the house.
Every listing on the Coronado map has a rate you can take over. Start with the ones in Coronado, get pre-qualified in minutes, and let UMe carry the assumption to closing.
