VA
Active
55$847,000$137,181 down
- Rate
- 2.50%
7.28%today- Payment
- $3,154/mo
$5,462today
- 5beds
- 3baths
- 2,850sqft
Fairfield, California
Assumable homes for salein Fairfield, California.
7 homes in Fairfield carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fairfield assumable market
by the numbers.
7active assumable listings
2.50%lowest locked rate
$625kmedian list price
$1,234saved per month vs. 7.2%
About the market
Assumable mortgagesin Fairfield, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Fairfield. Updated October 2026.
How assumptions work for buyersFairfield, California has 7 homes for sale with an assumable mortgage as of October 2026: 4 FHA loans and 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 Fairfield assumable listings start at 2.50% with a median of 3.18%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Fairfield lists for $625,000, with a median of $297,280 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 $2,028 a month versus $3,262 for the same balance at today's rate, roughly $1,234 kept every month and $14,811 a year. The most active Fairfield ZIP codes are 94533 (5), 94534 (1), and 94534-4330 (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 Fairfield assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fairfield
View all 7 on the map Homes on the marketin Fairfield.
VA
Active
20$459,000Potential short sale
- Rate
- 3.55%
7.28%today- Payment
- $2,288/mo
$3,465today
- 3beds
- 2baths
- 1,176sqft
742 Northampton Dr, Vacaville
VA
Active
77$679,999$172,860 down
- Rate
- 2.90%
7.28%today- Payment
- $2,342/mo
$3,849today
- 4beds
- 2baths
- 1,947sqft
2900 Candleberry Way, Fairfield
FHA
Active
10$479,000Potential short sale
- Rate
- 2.87%
7.28%today- Payment
- $2,235/mo
$3,688today
- 3beds
- 3baths
- 1,836sqft
3348 Hartford Ave, Fairfield
VA
Active
60$674,000$417,493 down
- Rate
- 3.18%
7.28%today- Payment
- $1,246/mo
$1,976today
- 4beds
- 3baths
- 1,926sqft
1720 Wayne Court, Fairfield
FHA
Active
76$529,888$195,633 down
- Rate
- 3.69%
7.28%today- Payment
- $1,883/mo
$2,752today
- 4beds
- 2baths
- 1,602sqft
160 Stanton Ave, Vacaville
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 Fairfield.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.50%
- Median rate
- 3.18%
- Median list price
- $625,000
- Median cash to assume
- $297,280
Fairfield listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Fairfield listings by loan type
- FHA4 homesmedian 3.83%
- VA3 homesmedian 2.90%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fairfield ZIP code.
Each ZIP opens the Fairfield map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fairfield numbers
What an assumable ratedoes to a Fairfield payment.
The sliders start at the median Fairfield assumable listing: $625,000 list price and a 3.18% 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)$295,000
47% 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 Fairfield
$1,559/mo
New loan at 7.20%$2,240
Assumed at 3.20%
$1,559
Every month$681
Over five years$40,839
Interest you never pay$319,88526-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 Fairfield listing on UMe shows the actual balance, rate, and payment.
How it works in Fairfield
How to assumea mortgage in Fairfield.
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 Fairfield home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fairfield 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 $297,280 in Fairfield 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 Fairfield payment written in a different decade.
Fairfield questions
Assuming a mortgagein Fairfield.
The numbers below come from current Fairfield inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fairfield?
As of October 2026, UMe tracks 7 active assumable listings in Fairfield. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fairfield?
Current Fairfield inventory breaks down as FHA (4, median 3.83%) and VA (3, median 2.90%). 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 Fairfield?
The lowest rate on an active Fairfield assumable listing is 2.50%, and the median across all 7 listings is 3.18%. 6 listings are under 4% and 6 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 Fairfield?
Across current Fairfield listings, the median principal-and-interest payment on the assumable loan is $2,028 per month versus $3,262 for the same balance at today's rates, a difference of about $1,234 every month, or $14,811 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 Fairfield?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fairfield that gap is currently a median of $297,280 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 Fairfield ZIP codes have the most assumable homes?
The Fairfield ZIP codes with the most active assumable listings are 94533 (5), 94534 (1), and 94534-4330 (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 Fairfield?
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 Fairfield.The rate is already on the house.
Every listing on the Fairfield map has a rate you can take over. Start with the ones in Fairfield, get pre-qualified in minutes, and let UMe carry the assumption to closing.
