VA
Active
45$559,888$81,623 down
- Rate
- 3.10%
7.28%today- Payment
- $2,263/mo
$3,626today
- 3beds
- 2baths
- 2,082sqft
Nice, California
Assumable homes for salein Nice, California.
1 home in Nice carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.15%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Nice assumable market
by the numbers.
1active assumable listing
3.15%lowest locked rate
$279kmedian list price
$479saved per month vs. 7.2%
About the market
Assumable mortgagesin Nice, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Nice. Updated September 2026.
How assumptions work for buyersNice, California has 1 home for sale with an assumable mortgage as of September 2026: 1 FHA 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 Nice assumable listings start at 3.15% with a median of 3.15%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Nice lists for $279,000, with a median of $126,010 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 $760 a month versus $1,238 for the same balance at today's rate, roughly $479 kept every month and $5,744 a year. The most active Nice ZIP codes are 95464 (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 Nice assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Nice
View all 1 on the map Homes on the marketin Nice.
FHA
Active
29$339,000$71,099 down
- Rate
- 2.80%
7.28%today- Payment
- $1,240/mo
$2,065today
- 3beds
- 2baths
- 1,352sqft
668 1st Street, Upper Lake
VA
Active
47$449,999$170,593 down
- Rate
- 3.125%
7.28%today- Payment
- $1,414/mo
$2,258today
- 3beds
- 2baths
- 2,028sqft
9932 Fairway Drive, Kelseyville
VA
Active
42$449,999$170,593 down
- Rate
- 3.125%
7.28%today- Payment
- $1,414/mo
$2,258today
- 3beds
- 2baths
- 2,028sqft
9932 Fairway Drive, Kelseyville
FHA
Active
22$505,000$263,157 down
- Rate
- 2.27%
7.28%today- Payment
- $1,250/mo
$2,073today
- —beds
- —baths
- —sqft
10401 Point Lakeview Road, Kelseyville
VA
Active
40$375,000$61,037 down
- Rate
- 2.96%
7.28%today- Payment
- $1,489/mo
$2,429today
- 3beds
- 2baths
- 1,440sqft
5675 Lakeshore Boulevard, Lakeport
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 Nice.
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.15%
- Median rate
- 3.15%
- Median list price
- $279,000
- Median cash to assume
- $126,010
Nice listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Nice listings by loan type
- FHA1 homemedian 3.15%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Nice ZIP code.
Each ZIP opens the Nice map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Nice numbers
What an assumable ratedoes to a Nice payment.
The sliders start at the median Nice assumable listing: $279,000 list price and a 3.15% 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)$125,000
45% 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 Nice
$728/mo
New loan at 7.20%$1,052
Assumed at 3.15%
$728
Every month$324
Over five years$19,429
Interest you never pay$151,53026-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 Nice listing on UMe shows the actual balance, rate, and payment.
How it works in Nice
How to assumea mortgage in Nice.
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 Nice home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Nice 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 $126,010 in Nice 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 Nice payment written in a different decade.
Nice questions
Assuming a mortgagein Nice.
The numbers below come from current Nice inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Nice?
As of September 2026, UMe tracks 1 active assumable listing in Nice. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Nice?
Current Nice inventory breaks down as FHA (1, median 3.15%). 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 Nice?
The lowest rate on an active Nice assumable listing is 3.15%, and the median across all 1 listing is 3.15%. 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 Nice?
Across current Nice listings, the median principal-and-interest payment on the assumable loan is $760 per month versus $1,238 for the same balance at today's rates, a difference of about $479 every month, or $5,744 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 Nice?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Nice that gap is currently a median of $126,010 on a median list price of $279,000. 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 Nice ZIP codes have the most assumable homes?
The Nice ZIP codes with the most active assumable listings are 95464 (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 Nice?
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 Nice.The rate is already on the house.
Every listing on the Nice map has a rate you can take over. Start with the ones in Nice, get pre-qualified in minutes, and let UMe carry the assumption to closing.
