FHA
Active
35$899,000$129,599 down
- Rate
- 3.21%
7.28%today- Payment
- $3,678/mo
$5,811today
- 5beds
- 3baths
- 1,896sqft
Oxnard, California
Assumable homes for salein Oxnard, California.
12 homes in Oxnard carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Oxnard assumable market
by the numbers.
12active assumable listings
2.72%lowest locked rate
$705kmedian list price
$711saved per month vs. 7.2%
About the market
Assumable mortgagesin Oxnard, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Oxnard. Updated October 2026.
How assumptions work for buyersOxnard, California has 12 homes for sale with an assumable mortgage as of October 2026: 6 FHA loans and 6 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 Oxnard assumable listings start at 2.72% with a median of 3.56%; 7 listings are under 4% and 8 are under 5%.
The median assumable home in Oxnard lists for $704,900, with a median of $332,078 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 $2,261 a month versus $2,973 for the same balance at today's rate, roughly $711 kept every month and $8,536 a year. The most active Oxnard ZIP codes are 93030 (4), 93033 (3), 93036 (3), and 93035 (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 Oxnard assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Oxnard
View all 12 on the map Homes on the marketin Oxnard.
VA
Active
65$750,000$183,016 down
- Rate
- 2.625%
7.28%today- Payment
- $2,544/mo
$4,333today
- 5beds
- 4baths
- 2,452sqft
1994 Pomegranate Street, Santa Paula
VA
Active
38$729,900$234,308 down
- Rate
- 2.85%
7.28%today- Payment
- $2,333/mo
$3,860today
- 3beds
- 3baths
- 1,464sqft
232 Bolero Lane, Oxnard
FHA
Active
40$790,000$295,751 down
- Rate
- 3.15%
7.28%today- Payment
- $2,448/mo
$3,898today
- 4beds
- 4baths
- 1,927sqft
628 Mustang Street, Camarillo
FHA
Active
51$1,740,000$1,223,071 down
- Rate
- 2.72%
7.28%today- Payment
- $2,416/mo
$4,066today
- 4beds
- 3baths
- 2,820sqft
1411 Seabridge Lane, Oxnard
FHA
Active
26$385,000$275,019 down
- Rate
- 2.82%
7.28%today- Payment
- $1,545/mo
$2,566today
- 2beds
- 2baths
- 1,257sqft
138 Elfin Green, Port Hueneme
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 Oxnard.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 12
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 3.56%
- Median list price
- $704,900
- Median cash to assume
- $332,078
Oxnard listings by locked rate
- Under 4%7 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Oxnard listings by loan type
- FHA6 homesmedian 4.51%
- VA6 homesmedian 3.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Oxnard ZIP code.
Each ZIP opens the Oxnard map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Oxnard numbers
What an assumable ratedoes to an Oxnard payment.
The sliders start at the median Oxnard assumable listing: $704,900 list price and a 3.56% 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)$330,000
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 Oxnard
$1,842/mo
New loan at 7.20%$2,545
Assumed at 3.55%
$1,842
Every month$703
Over five years$42,183
Interest you never pay$341,53326-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 Oxnard listing on UMe shows the actual balance, rate, and payment.
How it works in Oxnard
How to assumea mortgage in Oxnard.
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 an Oxnard home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Oxnard 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 $332,078 in Oxnard 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 an Oxnard payment written in a different decade.
Oxnard questions
Assuming a mortgagein Oxnard.
The numbers below come from current Oxnard inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Oxnard?
As of October 2026, UMe tracks 12 active assumable listings in Oxnard. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Oxnard?
Current Oxnard inventory breaks down as FHA (6, median 4.51%) and VA (6, median 3.23%). 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 Oxnard?
The lowest rate on an active Oxnard assumable listing is 2.72%, and the median across all 12 listings is 3.56%. 7 listings are under 4% and 8 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 Oxnard?
Across current Oxnard listings, the median principal-and-interest payment on the assumable loan is $2,261 per month versus $2,973 for the same balance at today's rates, a difference of about $711 every month, or $8,536 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 Oxnard?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Oxnard that gap is currently a median of $332,078 on a median list price of $704,900. 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 Oxnard ZIP codes have the most assumable homes?
The Oxnard ZIP codes with the most active assumable listings are 93030 (4), 93033 (3), 93036 (3), and 93035 (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 Oxnard?
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 Oxnard.The rate is already on the house.
Every listing on the Oxnard map has a rate you can take over. Start with the ones in Oxnard, get pre-qualified in minutes, and let UMe carry the assumption to closing.
