FHA
Active
40$399,990$77,504 down
- Rate
- 2.77%
7.28%today- Payment
- $1,484/mo
$2,481today
- 3beds
- 3baths
- 1,749sqft
Dos Palos, California
Assumable homes for salein Dos Palos, California.
1 home in Dos Palos carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Dos Palos assumable market
by the numbers.
1active assumable listing
2.77%lowest locked rate
$400kmedian list price
$1,056saved per month vs. 7.2%
About the market
Assumable mortgagesin Dos Palos, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Dos Palos. Updated September 2026.
How assumptions work for buyersDos Palos, California has 1 home for sale with an assumable mortgage as of September 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 Dos Palos assumable listings start at 2.77% with a median of 2.77%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Dos Palos lists for $399,990, with a median of $77,504 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 $1,484 a month versus $2,540 for the same balance at today's rate, roughly $1,056 kept every month and $12,674 a year. The most active Dos Palos ZIP codes are 93620 (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 Dos Palos assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Dos Palos
View all 1 on the map Homes on the marketin Dos Palos.
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 Dos Palos.
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 2.77%
- Median list price
- $399,990
- Median cash to assume
- $77,504
Dos Palos listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Dos Palos listings by loan type
- FHA1 homemedian 2.77%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Dos Palos ZIP code.
Each ZIP opens the Dos Palos map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Dos Palos numbers
What an assumable ratedoes to a Dos Palos payment.
The sliders start at the median Dos Palos assumable listing: $399,990 list price and a 2.77% 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)$80,000
20% 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 Dos Palos
$1,437/mo
New loan at 7.20%$2,172
Assumed at 2.75%
$1,437
Every month$735
Over five years$44,122
Interest you never pay$333,69526-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 Dos Palos listing on UMe shows the actual balance, rate, and payment.
How it works in Dos Palos
How to assumea mortgage in Dos Palos.
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 Dos Palos home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Dos Palos 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 $77,504 in Dos Palos 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 Dos Palos payment written in a different decade.
Dos Palos questions
Assuming a mortgagein Dos Palos.
The numbers below come from current Dos Palos inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Dos Palos?
As of September 2026, UMe tracks 1 active assumable listing in Dos Palos. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Dos Palos?
Current Dos Palos inventory breaks down as FHA (1, median 2.77%). 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 Dos Palos?
The lowest rate on an active Dos Palos assumable listing is 2.77%, and the median across all 1 listing is 2.77%. 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 Dos Palos?
Across current Dos Palos listings, the median principal-and-interest payment on the assumable loan is $1,484 per month versus $2,540 for the same balance at today's rates, a difference of about $1,056 every month, or $12,674 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 Dos Palos?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dos Palos that gap is currently a median of $77,504 on a median list price of $399,990. 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 Dos Palos ZIP codes have the most assumable homes?
The Dos Palos ZIP codes with the most active assumable listings are 93620 (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 Dos Palos?
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 Dos Palos.The rate is already on the house.
Every listing on the Dos Palos map has a rate you can take over. Start with the ones in Dos Palos, get pre-qualified in minutes, and let UMe carry the assumption to closing.
