FHATop pick
Active
18$324,900$32,507 down
- Rate
- 3.10%
7.28%today- Payment
- $1,384/mo
$2,217today
- 2beds
- 2baths
- 1,255sqft
Landers, California
Assumable homes for salein Landers, California.
3 homes in Landers carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.45%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Landers assumable market
by the numbers.
3active assumable listings
3.45%lowest locked rate
$380kmedian list price
$270saved per month vs. 7.2%
About the market
Assumable mortgagesin Landers, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Landers. Updated October 2026.
How assumptions work for buyersLanders, California has 3 homes for sale with an assumable mortgage as of October 2026: 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 Landers assumable listings start at 3.45% with a median of 6.17%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Landers lists for $379,999, with a median of $121,852 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 $1,832 a month versus $2,102 for the same balance at today's rate, roughly $270 kept every month and $3,242 a year. The most active Landers ZIP codes are 92285 (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 Landers assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Landers
View all 3 on the map Homes on the marketin Landers.
FHATop pick
Active
55$395,000Potential short sale
- Rate
- 3.45%
7.28%today- Payment
- $1,941/mo
$2,976today
- 3beds
- 3baths
- 1,676sqft
61186 Sespe Street, Landers
VA
Active
43$370,000$81,859 down
- Rate
- 2.90%
7.28%today- Payment
- $1,339/mo
$2,202today
- 3beds
- 2baths
- 1,726sqft
7515 Pinon Drive, Yucca Valley
FHA
Active
41$294,000$76,493 down
- Rate
- 2.94%
7.28%today- Payment
- $1,027/mo
$1,680today
- 2beds
- 1baths
- 1,198sqft
7798 Acoma Trail, Yucca Valley
FHA
Active
25$450,000$118,396 down
- Rate
- 2.98%
7.28%today- Payment
- $1,569/mo
$2,553today
- 4beds
- 3baths
- 2,108sqft
8564 Taft Court, Yucca Valley
FHA
Active
73$499,900$95,340 down
- Rate
- 3.06%
7.28%today- Payment
- $1,940/mo
$3,124today
- 3beds
- 2baths
- 1,557sqft
56625 Lowe Avenue, Yucca Valley
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 Landers.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.45%
- Median rate
- 6.17%
- Median list price
- $379,999
- Median cash to assume
- $121,852
Landers listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Landers listings by loan type
- FHA3 homesmedian 6.17%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Landers ZIP code.
Each ZIP opens the Landers map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Landers numbers
What an assumable ratedoes to a Landers payment.
The sliders start at the median Landers assumable listing: $379,999 list price and a 6.17% 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)$120,000
32% 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 Landers
$1,672/mo
New loan at 7.20%$1,765
Assumed at 6.15%
$1,672
Every month$93
Over five years$5,587
Interest you never pay$113,76326-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 Landers listing on UMe shows the actual balance, rate, and payment.
How it works in Landers
How to assumea mortgage in Landers.
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 Landers home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Landers 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 $121,852 in Landers 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 Landers payment written in a different decade.
Landers questions
Assuming a mortgagein Landers.
The numbers below come from current Landers inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Landers?
As of October 2026, UMe tracks 3 active assumable listings in Landers. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Landers?
Current Landers inventory breaks down as FHA (3, median 6.17%). 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 Landers?
The lowest rate on an active Landers assumable listing is 3.45%, and the median across all 3 listings is 6.17%. 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 Landers?
Across current Landers listings, the median principal-and-interest payment on the assumable loan is $1,832 per month versus $2,102 for the same balance at today's rates, a difference of about $270 every month, or $3,242 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 Landers?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Landers that gap is currently a median of $121,852 on a median list price of $379,999. 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 Landers ZIP codes have the most assumable homes?
The Landers ZIP codes with the most active assumable listings are 92285 (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 Landers?
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 Landers.The rate is already on the house.
Every listing on the Landers map has a rate you can take over. Start with the ones in Landers, get pre-qualified in minutes, and let UMe carry the assumption to closing.
