FHATop pick
Active
40$740,000$47,456 down
- Rate
- 2.94%
7.28%today- Payment
- $3,270/mo
$5,348today
- 4beds
- 3baths
- 3,030sqft
Mountain House, California
Assumable homes for salein Mountain House, California.
4 homes in Mountain House carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mountain House assumable market
by the numbers.
4active assumable listings
4.88%lowest locked rate
$740kmedian list price
$717saved per month vs. 7.2%
About the market
Assumable mortgagesin Mountain House, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Mountain House. Updated October 2026.
How assumptions work for buyersMountain House, California has 4 homes for sale with an assumable mortgage as of October 2026: 2 FHA loans and 2 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 Mountain House assumable listings start at 4.88% with a median of 5.88%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Mountain House lists for $739,500, with a median of $14,353 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 $4,019 a month versus $4,736 for the same balance at today's rate, roughly $717 kept every month and $8,608 a year. The most active Mountain House ZIP codes are 95391 (4).
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 Mountain House assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mountain House
View all 4 on the map Homes on the marketin Mountain House.
FHA
Active
40$950,000$347,768 down
- Rate
- 2.90%
7.28%today- Payment
- $2,838/mo
$4,664today
- 5beds
- 4baths
- 4,011sqft
6535 Green Castle Cir, Discovery Bay
VA
Active
41$859,000$579,549 down
- Rate
- 2.77%
7.28%today- Payment
- $1,313/mo
$2,196today
- 4beds
- 3baths
- 2,947sqft
2442 Pinehurst Ct, Discovery Bay
VA
Active
43$670,000$304,110 down
- Rate
- 2.90%
7.28%today- Payment
- $1,752/mo
$2,881today
- 4beds
- 3baths
- 2,116sqft
825 Foxwood Drive, Tracy
VA
Active
47$719,000$6,742 down
- Rate
- 5.25%
7.28%today- Payment
- $4,050/mo
$5,019today
- 4beds
- 3baths
- 2,191sqft
319 Aventino Ave, Mountain House
VA
Active
62$1,399,000$957,660 down
- Rate
- 3.53%
7.28%today- Payment
- $2,933/mo
$4,453today
- 4beds
- 3baths
- 2,707sqft
4450 Driftwood Ct, Discovery Bay
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 Mountain House.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 4.88%
- Median rate
- 5.88%
- Median list price
- $739,500
- Median cash to assume
- $14,353
Mountain House listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up2 homes
Mountain House listings by loan type
- FHA2 homesmedian 5.79%
- VA2 homesmedian 5.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mountain House ZIP code.
Each ZIP opens the Mountain House map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mountain House numbers
What an assumable ratedoes to a Mountain House payment.
The sliders start at the median Mountain House assumable listing: $739,500 list price and a 5.88% 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)$15,000
2% 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 Mountain House
$4,549/mo
New loan at 7.20%$4,921
Assumed at 5.90%
$4,549
Every month$372
Over five years$22,305
Interest you never pay$352,20326-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 Mountain House listing on UMe shows the actual balance, rate, and payment.
How it works in Mountain House
How to assumea mortgage in Mountain House.
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 Mountain House home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mountain House 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 $14,353 in Mountain House 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 Mountain House payment written in a different decade.
Mountain House questions
Assuming a mortgagein Mountain House.
The numbers below come from current Mountain House inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mountain House?
As of October 2026, UMe tracks 4 active assumable listings in Mountain House. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mountain House?
Current Mountain House inventory breaks down as FHA (2, median 5.79%) and VA (2, median 5.88%). 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 Mountain House?
The lowest rate on an active Mountain House assumable listing is 4.88%, and the median across all 4 listings is 5.88%. 0 listings are 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 Mountain House?
Across current Mountain House listings, the median principal-and-interest payment on the assumable loan is $4,019 per month versus $4,736 for the same balance at today's rates, a difference of about $717 every month, or $8,608 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 Mountain House?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mountain House that gap is currently a median of $14,353 on a median list price of $739,500. 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 Mountain House ZIP codes have the most assumable homes?
The Mountain House ZIP codes with the most active assumable listings are 95391 (4). 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 Mountain House?
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 Mountain House.The rate is already on the house.
Every listing on the Mountain House map has a rate you can take over. Start with the ones in Mountain House, get pre-qualified in minutes, and let UMe carry the assumption to closing.
