VA
Active
35$829,000$117,051 down
- Rate
- 2.875%
7.28%today- Payment
- $3,361/mo
$5,542today
- 3beds
- 3baths
- 1,938sqft
Hayward, California
Assumable homes for salein Hayward, California.
7 homes in Hayward carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hayward assumable market
by the numbers.
7active assumable listings
2.88%lowest locked rate
$750kmedian list price
$1,816saved per month vs. 7.2%
About the market
Assumable mortgagesin Hayward, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Hayward. Updated October 2026.
How assumptions work for buyersHayward, California has 7 homes for sale with an assumable mortgage as of October 2026: 4 VA loans and 3 FHA 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 Hayward assumable listings start at 2.88% with a median of 3.21%; 5 listings are under 4% and 5 are under 5%.
The median assumable home in Hayward lists for $749,900, with a median of $209,426 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 $3,361 a month versus $5,177 for the same balance at today's rate, roughly $1,816 kept every month and $21,790 a year. The most active Hayward ZIP codes are 94541 (3), 94544 (2), and 94545 (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 Hayward assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hayward
View all 7 on the map Homes on the marketin Hayward.
VA
Active
84$1,450,000$418,804 down
- Rate
- 2.87%
7.28%today- Payment
- $4,810/mo
$7,937today
- 3beds
- 2baths
- 1,612sqft
9338 Crow Canyon Rd, Castro Valley
VA
Active
36$1,090,000$233,161 down
- Rate
- 2.94%
7.28%today- Payment
- $4,046/mo
$6,616today
- 4beds
- 3baths
- 1,958sqft
232 Caterina Way, Hayward
FHA
Active
37$675,000$87,841 down
- Rate
- 3.62%
7.28%today- Payment
- $3,088/mo
$4,636today
- 3beds
- 1baths
- 1,040sqft
6616 Outlook Ave, Oakland
VA
Active
34$1,298,000$323,483 down
- Rate
- 3.17%
7.28%today- Payment
- $4,739/mo
$7,526today
- 3beds
- 3baths
- 1,492sqft
2424 Douglas Street, Union City
VA
Active
46$599,950$187,633 down
- Rate
- 3.21%
7.28%today- Payment
- $2,055/mo
$3,247today
- 3beds
- 3baths
- 1,336sqft
1701 Calais Court, Hayward
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 Hayward.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 3.21%
- Median list price
- $749,900
- Median cash to assume
- $209,426
Hayward listings by locked rate
- Under 4%5 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Hayward listings by loan type
- VA4 homesmedian 3.08%
- FHA3 homesmedian 3.56%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hayward ZIP code.
Each ZIP opens the Hayward map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hayward numbers
What an assumable ratedoes to a Hayward payment.
The sliders start at the median Hayward assumable listing: $749,900 list price and a 3.21% 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)$210,000
28% 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 Hayward
$2,552/mo
New loan at 7.20%$3,665
Assumed at 3.20%
$2,552
Every month$1,114
Over five years$66,828
Interest you never pay$523,44826-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 Hayward listing on UMe shows the actual balance, rate, and payment.
How it works in Hayward
How to assumea mortgage in Hayward.
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 Hayward home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hayward 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 $209,426 in Hayward 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 Hayward payment written in a different decade.
Hayward questions
Assuming a mortgagein Hayward.
The numbers below come from current Hayward inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hayward?
As of October 2026, UMe tracks 7 active assumable listings in Hayward. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hayward?
Current Hayward inventory breaks down as VA (4, median 3.08%) and FHA (3, median 3.56%). 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 Hayward?
The lowest rate on an active Hayward assumable listing is 2.88%, and the median across all 7 listings is 3.21%. 5 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 Hayward?
Across current Hayward listings, the median principal-and-interest payment on the assumable loan is $3,361 per month versus $5,177 for the same balance at today's rates, a difference of about $1,816 every month, or $21,790 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 Hayward?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hayward that gap is currently a median of $209,426 on a median list price of $749,900. 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 Hayward ZIP codes have the most assumable homes?
The Hayward ZIP codes with the most active assumable listings are 94541 (3), 94544 (2), and 94545 (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 Hayward?
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 Hayward.The rate is already on the house.
Every listing on the Hayward map has a rate you can take over. Start with the ones in Hayward, get pre-qualified in minutes, and let UMe carry the assumption to closing.
