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
El Segundo, California
Assumable homes for salein El Segundo, California.
1 home in El Segundo carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
El Segundo assumable market
by the numbers.
1active assumable listing
5.00%lowest locked rate
$1,299kmedian list price
$2,178saved per month vs. 7.2%
About the market
Assumable mortgagesin El Segundo, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to El Segundo. Updated October 2026.
How assumptions work for buyersEl Segundo, California has 1 home for sale with an assumable mortgage as of October 2026: 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 El Segundo assumable listings start at 5.00% with a median of 5.00%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in El Segundo lists for $1,299,000, with a median of $53,815 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 $7,139 a month versus $9,317 for the same balance at today's rate, roughly $2,178 kept every month and $26,135 a year. The most active El Segundo ZIP codes are 90245 (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 El Segundo assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in El Segundo
View all 1 on the map Homes on the marketin El Segundo.
VA
Active
34$1,598,000$281,528 down
- Rate
- 2.78%
7.28%today- Payment
- $6,079/mo
$10,149today
- 3beds
- 4baths
- 2,347sqft
643 1/2 Hayworth Avenue, Los Angeles
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
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
FHA
Active
29$999,000$22,390 down
- Rate
- 3.73%
7.28%today- Payment
- $5,217/mo
$7,726today
- —beds
- —baths
- —sqft
1619 St Andrews Place, Los Angeles
FHA
Active
15$499,900$102,088 down
- Rate
- 2.68%
7.28%today- Payment
- $1,847/mo
$3,124today
- 2beds
- 1baths
- 520sqft
2989 12th Street, 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 El Segundo.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 5.00%
- Median rate
- 5.00%
- Median list price
- $1,299,000
- Median cash to assume
- $53,815
El Segundo listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
El Segundo listings by loan type
- VA1 homemedian 5.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby El Segundo ZIP code.
Each ZIP opens the El Segundo map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the El Segundo numbers
What an assumable ratedoes to an El Segundo payment.
The sliders start at the median El Segundo assumable listing: $1,299,000 list price and a 5.00% 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
4% 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 El Segundo
$7,138/mo
New loan at 7.20%$8,451
Assumed at 5.00%
$7,138
Every month$1,313
Over five years$78,767
Interest you never pay$815,23326-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 El Segundo listing on UMe shows the actual balance, rate, and payment.
How it works in El Segundo
How to assumea mortgage in El Segundo.
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 an El Segundo home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the El Segundo 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 $53,815 in El Segundo 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 an El Segundo payment written in a different decade.
El Segundo questions
Assuming a mortgagein El Segundo.
The numbers below come from current El Segundo inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in El Segundo?
As of October 2026, UMe tracks 1 active assumable listing in El Segundo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in El Segundo?
Current El Segundo inventory breaks down as VA (1, median 5.00%). 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 El Segundo?
The lowest rate on an active El Segundo assumable listing is 5.00%, and the median across all 1 listing is 5.00%. 0 listings are under 4% and 0 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 El Segundo?
Across current El Segundo listings, the median principal-and-interest payment on the assumable loan is $7,139 per month versus $9,317 for the same balance at today's rates, a difference of about $2,178 every month, or $26,135 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 El Segundo?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In El Segundo that gap is currently a median of $53,815 on a median list price of $1,299,000. 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 El Segundo ZIP codes have the most assumable homes?
The El Segundo ZIP codes with the most active assumable listings are 90245 (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 El Segundo?
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 El Segundo.The rate is already on the house.
Every listing on the El Segundo map has a rate you can take over. Start with the ones in El Segundo, get pre-qualified in minutes, and let UMe carry the assumption to closing.
