VATop pick
Active
14$440,000$22,623 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $1,951/mo
$3,258today
- 2beds
- 2baths
- 1,104sqft
California · Statewide
Assumable homes for salein California.
4,130 homes in California carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
California assumable market
by the numbers.
4,130active assumable listings
2.00%lowest locked rate
$585kmedian list price
$812saved per month vs. 7.2%
Across California
Assumable homesby California city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of California on the map- 01San Diego231231 assumable homes · median 5.52%
- 02Los Angeles133133 assumable homes · median 4.55%
- 03Lancaster9797 assumable homes · median 5.10%
- 04Victorville9797 assumable homes · median 5.54%
- 05Hemet9494 assumable homes · median 5.62%
- 06Chula Vista9393 assumable homes · median 5.22%
- 07Menifee9090 assumable homes · median 4.78%
- 08Murrieta6767 assumable homes · median 6.06%
- 09Hesperia6363 assumable homes · median 5.78%
- 10Apple Valley6262 assumable homes · median 5.88%
- 11Palmdale5959 assumable homes · median 5.55%
- 12Temecula5555 assumable homes · median 3.47%
- 13San Bernardino5454 assumable homes · median 6.21%
- 14Riverside5252 assumable homes · median 5.54%
- 15Moreno Valley5151 assumable homes · median 4.53%
- 16Lake Elsinore5050 assumable homes · median 4.50%
- 17Indio4646 assumable homes · median 5.20%
- 18Oceanside4646 assumable homes · median 3.99%
- 19Winchester4646 assumable homes · median 6.30%
- 20Bakersfield4242 assumable homes · median 6.27%
- 21Beaumont4242 assumable homes · median 5.18%
- 22El Cajon3939 assumable homes · median 6.32%
- 23Fontana3939 assumable homes · median 5.10%
- 24Spring Valley3939 assumable homes · median 4.36%
- 25Long Beach3838 assumable homes · median 3.08%
- 26San Jacinto3434 assumable homes · median 6.38%
- 27Ontario3232 assumable homes · median 6.00%
- 28Corona3131 assumable homes · median 6.06%
- 29Desert Hot Springs3131 assumable homes · median 5.52%
- 30Oroville3030 assumable homes · median 4.01%
- 31Perris3030 assumable homes · median 4.31%
- 32Yucca Valley2929 assumable homes · median 6.28%
- 33Adelanto2828 assumable homes · median 6.26%
- 34Fallbrook2727 assumable homes · median 5.50%
- 35Merced2727 assumable homes · median 6.37%
- 36Ramona2727 assumable homes · median 6.20%
- 37Stockton2626 assumable homes · median 5.12%
- 38Santee2525 assumable homes · median 6.12%
- 39Canyon Country2424 assumable homes · median 5.91%
- 40Palm Desert2424 assumable homes · median 3.69%
- 41Valencia2424 assumable homes · median 5.55%
- 42Wildomar2424 assumable homes · median 5.63%
- 43Highland2323 assumable homes · median 4.98%
- 44Escondido2222 assumable homes · median 3.53%
- 45Antioch2121 assumable homes · median 4.60%
- 46Compton2121 assumable homes · median 6.28%
- 47Rialto2121 assumable homes · median 6.83%
- 48San Jose2121 assumable homes · median 4.20%
- 49Banning2020 assumable homes · median 6.11%
- 50Cathedral City2020 assumable homes · median 3.37%
- 51Camarillo1919 assumable homes · median 3.55%
- 52Rosamond1919 assumable homes · median 5.41%
- 53Simi Valley1919 assumable homes · median 4.72%
- 54Vista1919 assumable homes · median 3.10%
- 55Oakland1818 assumable homes · median 5.17%
- 56Phelan1818 assumable homes · median 5.48%
- 57Barstow1717 assumable homes · median 5.52%
- 58Sacramento1717 assumable homes · median 6.28%
- 59Imperial Beach1616 assumable homes · median 3.40%
- 60Lakeside1616 assumable homes · median 6.13%
- 61Pomona1616 assumable homes · median 6.20%
- 62Brentwood1515 assumable homes · median 3.12%
- 63Colton1515 assumable homes · median 3.75%
- 64Rancho Cucamonga1515 assumable homes · median 6.35%
- 65San Marcos1515 assumable homes · median 3.89%
- 66Whittier1515 assumable homes · median 3.75%
- 67La Quinta1414 assumable homes · median 4.37%
- 68Norwalk1414 assumable homes · median 5.66%
- 69Redlands1414 assumable homes · median 3.74%
- 70Upland1414 assumable homes · median 5.12%
- 71Castaic1313 assumable homes · median 6.43%
- 72Chico1313 assumable homes · median 4.29%
- 73Chino1313 assumable homes · median 6.47%
- 74Coachella1313 assumable homes · median 3.61%
- 75Jurupa Valley1313 assumable homes · median 6.63%
- 76Oxnard1313 assumable homes · median 5.10%
- 77Rancho Santa Margarita1313 assumable homes · median 3.64%
- 78Tehachapi1313 assumable homes · median 6.22%
- 79Anaheim1212 assumable homes · median 3.66%
- 80Concord1212 assumable homes · median 3.40%
- 81Crestline1212 assumable homes · median 6.19%
- 82La Mesa1212 assumable homes · median 5.96%
- 83Pittsburg1212 assumable homes · median 3.67%
- 84Thousand Oaks1212 assumable homes · median 4.13%
- 85Hollister1111 assumable homes · median 5.30%
- 86Thermal1111 assumable homes · median 5.87%
- 87Vallejo1111 assumable homes · median 5.51%
- 88California City1010 assumable homes · median 6.39%
- 89Helendale1010 assumable homes · median 6.76%
- 90Inglewood1010 assumable homes · median 6.23%
- 91Kelseyville1010 assumable homes · median 4.20%
- 92Magalia1010 assumable homes · median 3.74%
- 93Oakley1010 assumable homes · median 4.01%
- 94Pacoima1010 assumable homes · median 6.48%
- 95Salinas1010 assumable homes · median 3.60%
- 96San Pedro1010 assumable homes · median 6.76%
- 97Santa Maria1010 assumable homes · median 5.56%
- 98Sonora1010 assumable homes · median 6.25%
- 99Coarsegold99 assumable homes · median 4.47%
- 100Huntington Beach99 assumable homes · median 3.21%
- 101Lake Forest99 assumable homes · median 3.85%
- 102Modesto99 assumable homes · median 4.42%
- 103National City99 assumable homes · median 6.71%
- 104Rancho Mission Viejo99 assumable homes · median 6.13%
- 105Santa Ana99 assumable homes · median 6.32%
- 106Sylmar99 assumable homes · median 3.88%
- 107Aliso Viejo88 assumable homes · median 6.82%
- 108Atwater88 assumable homes · median 4.00%
- 109Blythe88 assumable homes · median 4.51%
- 110Fresno88 assumable homes · median 4.29%
- 111Hayward88 assumable homes · median 4.71%
- 112Loma Linda88 assumable homes · median 6.01%
- 113Los Banos88 assumable homes · median 5.01%
- 114Mission Viejo88 assumable homes · median 3.13%
- 115Palm Springs88 assumable homes · median 3.92%
- 116Paradise88 assumable homes · median 6.58%
- 117Valley Center88 assumable homes · median 4.39%
- 118Acton77 assumable homes · median 6.12%
- 119Alpine77 assumable homes · median 6.19%
- 120Carson77 assumable homes · median 3.73%
- 121Discovery Bay77 assumable homes · median 3.53%
- 122Fillmore77 assumable homes · median 3.02%
- 123Lemon Grove77 assumable homes · median 6.27%
- 124Manteca77 assumable homes · median 6.63%
- 125Panorama City77 assumable homes · median 3.75%
- 126Paso Robles77 assumable homes · median 5.30%
- 127Reseda77 assumable homes · median 6.26%
- 128Torrance77 assumable homes · median 5.10%
- 129West Covina77 assumable homes · median 5.23%
- 130Anza66 assumable homes · median 6.36%
- 131Carlsbad66 assumable homes · median 3.86%
- 132Claremont66 assumable homes · median 6.53%
- 133Elk Grove66 assumable homes · median 5.06%
- 134Fairfield66 assumable homes · median 3.14%
- 135Fullerton66 assumable homes · median 3.69%
- 136Hanford66 assumable homes · median 6.35%
- 137Hercules66 assumable homes · median 5.21%
- 138Livermore66 assumable homes · median 3.13%
- 139Lucerne Valley66 assumable homes · median 5.85%
- 140North Hills66 assumable homes · median 3.56%
- 141North Hollywood66 assumable homes · median 3.52%
- 142Northridge66 assumable homes · median 4.21%
- 143Pico Rivera66 assumable homes · median 5.09%
- 144Porter Ranch66 assumable homes · median 6.65%
- 145Santa Paula66 assumable homes · median 6.36%
- 146Thousand Palms66 assumable homes · median 4.65%
- 147Van Nuys66 assumable homes · median 4.13%
- 148Visalia66 assumable homes · median 6.38%
- 149Walnut Creek66 assumable homes · median 3.90%
- 150Yucaipa66 assumable homes · median 6.46%
- 151Bermuda Dunes55 assumable homes · median 5.38%
- 152Big Bear City55 assumable homes · median 6.59%
- 153Calimesa55 assumable homes · median 3.06%
- 154Canoga Park55 assumable homes · median 4.42%
- 155Canyon Lake55 assumable homes · median 5.81%
- 156Clearlake55 assumable homes · median 3.95%
- 157Coronado55 assumable homes · median 2.77%
- 158Downey55 assumable homes · median 6.50%
- 159Eastvale55 assumable homes · median 4.16%
- 160Garden Grove55 assumable homes · median 6.82%
- 161Glendora55 assumable homes · median 6.13%
- 162Hawthorne55 assumable homes · median 6.30%
- 163Hidden Valley Lake55 assumable homes · median 3.16%
- 164Jamul55 assumable homes · median 6.50%
- 165La Puente55 assumable homes · median 5.25%
- 166Madera55 assumable homes · median 6.34%
- 167Mariposa55 assumable homes · median 6.54%
- 168Newhall55 assumable homes · median 3.18%
- 169Newport Beach55 assumable homes · median 4.06%
- 170Richmond55 assumable homes · median 4.01%
- 171Rio Vista55 assumable homes · median 6.33%
- 172South Gate55 assumable homes · median 5.25%
- 173Vacaville55 assumable homes · median 3.69%
- 174West Hills55 assumable homes · median 6.09%
- 175Aguanga44 assumable homes · median 6.52%
- 176Bellflower44 assumable homes · median 3.85%
- 177Bonita44 assumable homes · median 5.06%
- 178Bonsall44 assumable homes · median 6.20%
- 179Boron44 assumable homes · median 6.84%
- 180Burbank44 assumable homes · median 2.94%
- 181Corning44 assumable homes · median 3.82%
- 182Covina44 assumable homes · median 6.63%
- 183Cypress44 assumable homes · median 3.00%
- 184Dublin44 assumable homes · median 3.72%
- 185Fawnskin44 assumable homes · median 4.93%
- 186Frazier Park44 assumable homes · median 5.29%
- 187Glendale44 assumable homes · median 4.75%
- 188Hacienda Heights44 assumable homes · median 4.46%
- 189Irvine44 assumable homes · median 3.33%
- 190Lakeport44 assumable homes · median 3.88%
- 191Lakewood44 assumable homes · median 5.62%
- 192Lincoln44 assumable homes · median 6.13%
- 193Littlerock44 assumable homes · median 6.83%
- 194Martinez44 assumable homes · median 3.70%
- 195Mountain House44 assumable homes · median 5.88%
- 196Orange44 assumable homes · median 6.18%
- 197Patterson44 assumable homes · median 5.08%
- 198Pine Mountain Club44 assumable homes · median 5.94%
- 199Rancho Mirage44 assumable homes · median 3.63%
- 200Ridgecrest44 assumable homes · median 6.58%
- 201San Dimas44 assumable homes · median 5.53%
- 202San Pablo44 assumable homes · median 3.46%
- 203Santa Clarita44 assumable homes · median 5.09%
- 204Sherman Oaks44 assumable homes · median 3.38%
- 205Trabuco Canyon44 assumable homes · median 6.71%
- 206Tracy44 assumable homes · median 5.08%
- 207Tuolumne44 assumable homes · median 3.71%
- 208Ventura44 assumable homes · median 5.12%
- 209Warner Springs44 assumable homes · median 4.75%
- 210Woodland Hills44 assumable homes · median 4.75%
- 211Agoura Hills33 assumable homes · median 7.17%
- 212Alameda33 assumable homes · median 4.52%
- 213Anderson33 assumable homes · median 4.26%
- 214Arcadia33 assumable homes · median 6.06%
- 215Bloomington33 assumable homes · median 3.95%
- 216Boulder Creek33 assumable homes · median 4.05%
- 217Cerritos33 assumable homes · median 6.47%
- 218Chatsworth33 assumable homes · median 4.00%
- 219Chino Hills33 assumable homes · median 6.66%
- 220Chowchilla33 assumable homes · median 3.65%
- 221Citrus Heights33 assumable homes · median 2.86%
- 222Culver City33 assumable homes · median 5.30%
- 223Diamond Bar33 assumable homes · median 4.00%
- 224Felton33 assumable homes · median 3.05%
- 225Gardena33 assumable homes · median 3.64%
- 226Gilroy33 assumable homes · median 3.72%
- 227Granada Hills33 assumable homes · median 3.75%
- 228Grand Terrace33 assumable homes · median 6.50%
- 229Grover Beach33 assumable homes · median 3.09%
- 230Homeland33 assumable homes · median 6.60%
- 231Jamestown33 assumable homes · median 4.32%
- 232Julian33 assumable homes · median 6.44%
- 233La Habra33 assumable homes · median 3.13%
- 234La Mirada33 assumable homes · median 3.92%
- 235Laguna Niguel33 assumable homes · median 5.30%
- 236Lake Arrowhead33 assumable homes · median 4.04%
- 237Lake Hughes33 assumable homes · median 6.12%
- 238Landers33 assumable homes · median 6.17%
- 239Lathrop33 assumable homes · median 6.63%
- 240Lompoc33 assumable homes · median 3.05%
- 241Marina33 assumable homes · median 6.35%
- 242Morgan Hill33 assumable homes · median 3.36%
- 243Nipomo33 assumable homes · median 4.77%
- 244Oak Hills33 assumable homes · median 2.99%
- 245Oakhurst33 assumable homes · median 6.81%
- 246Olivehurst33 assumable homes · median 6.15%
- 247Rancho Palos Verdes33 assumable homes · median 2.97%
- 248Redding33 assumable homes · median 2.88%
- 249Running Springs33 assumable homes · median 4.37%
- 250San Mateo33 assumable homes · median 6.42%
- 251San Ramon33 assumable homes · median 2.80%
- 252Santa Fe Springs33 assumable homes · median 3.87%
- 253Soulsbyville33 assumable homes · median 3.01%
- 254Suisun City33 assumable homes · median 4.98%
- 255Topanga33 assumable homes · median 3.31%
- 256Tustin33 assumable homes · median 6.34%
- 257Twain Harte33 assumable homes · median 3.29%
- 258Wofford Heights33 assumable homes · median 4.55%
- 259Yorba Linda33 assumable homes · median 5.84%
- 260Aptos22 assumable homes · median 2.76%
- 261Arleta22 assumable homes · median 4.75%
- 262Arroyo Grande22 assumable homes · median 4.17%
- 263Azusa22 assumable homes · median 4.81%
- 264Ben Lomond22 assumable homes · median 5.33%
- 265Big Bear Lake22 assumable homes · median 4.68%
- 266Borrego Springs22 assumable homes · median 5.36%
- 267Boulevard22 assumable homes · median 4.71%
- 268Brawley22 assumable homes · median 3.50%
- 269Brea22 assumable homes · median 4.61%
- 270Campo22 assumable homes · median 7.21%
- 271Cherry Valley22 assumable homes · median 3.48%
- 272Clearlake Oaks22 assumable homes · median 3.29%
- 273Clovis22 assumable homes · median 3.99%
- 274Costa Mesa22 assumable homes · median 3.62%
- 275Cudahy22 assumable homes · median 3.63%
- 276Daly City22 assumable homes · median 2.79%
- 277Dana Point22 assumable homes · median 6.70%
- 278Dulzura22 assumable homes · median 2.95%
- 279El Cerrito22 assumable homes · median 6.74%
- 280El Segundo22 assumable homes · median 4.00%
- 281Encinitas22 assumable homes · median 5.45%
- 282Forest Falls22 assumable homes · median 4.81%
- 283Fort Bragg22 assumable homes · median 6.50%
- 284Gridley22 assumable homes · median 6.61%
- 285Groveland22 assumable homes · median 4.86%
- 286Huntington Park22 assumable homes · median 5.69%
- 287Idyllwild22 assumable homes · median 6.83%
- 288Indian Wells22 assumable homes · median 5.23%
- 289Ione22 assumable homes · median 6.85%
- 290Joshua Tree22 assumable homes · median 3.12%
- 291Lake Isabella22 assumable homes · median 2.83%
- 292Lawndale22 assumable homes · median 5.04%
- 293Lemoore22 assumable homes · median 6.67%
- 294Leona Valley22 assumable homes · median 4.92%
- 295Linda22 assumable homes · median 4.89%
- 296Lucerne22 assumable homes · median 3.98%
- 297Marysville22 assumable homes · median 6.76%
- 298Mojave22 assumable homes · median 4.08%
- 299Montclair22 assumable homes · median 4.96%
- 300Montebello22 assumable homes · median 6.01%
- 301Mountain View22 assumable homes · median 3.29%
- 302Norco22 assumable homes · median 3.25%
- 303Nuevo22 assumable homes · median 5.17%
- 304Oakdale22 assumable homes · median 5.54%
- 305Pacific Grove22 assumable homes · median 2.83%
- 306Placentia22 assumable homes · median 3.05%
- 307Pleasanton22 assumable homes · median 2.84%
- 308Port Hueneme22 assumable homes · median 6.57%
- 309Poway22 assumable homes · median 2.94%
- 310Rancho Cordova22 assumable homes · median 3.90%
- 311Red Bluff22 assumable homes · median 3.85%
- 312Redwood City22 assumable homes · median 5.57%
- 313Salton City22 assumable homes · median 5.42%
- 314San Gabriel22 assumable homes · median 3.81%
- 315San Lorenzo22 assumable homes · median 4.57%
- 316Santa Clara22 assumable homes · median 5.36%
- 317Santa Cruz22 assumable homes · median 4.61%
- 318Stanton22 assumable homes · median 4.62%
- 319Sun Valley22 assumable homes · median 6.61%
- 320Sunland22 assumable homes · median 5.08%
- 321Templeton22 assumable homes · median 3.06%
- 322Tujunga22 assumable homes · median 4.26%
- 323Union City22 assumable homes · median 5.17%
- 324Valley Springs22 assumable homes · median 5.65%
- 325Walnut22 assumable homes · median 6.91%
- 326Watsonville22 assumable homes · median 5.46%
- 327West Hollywood22 assumable homes · median 6.86%
- 328Willows22 assumable homes · median 4.12%
- 329Wilmington22 assumable homes · median 5.83%
- 330Winnetka22 assumable homes · median 6.63%
- 331Yuba City22 assumable homes · median 5.04%
- 332Albany11 assumable home · median 6.50%
- 333Aromas11 assumable home · median 2.83%
- 334Baldwin Park11 assumable home · median 6.09%
- 335Bass Lake11 assumable home · median 6.77%
- 336Bay Point11 assumable home · median 6.33%
- 337Benicia11 assumable home · median 6.48%
- 338Berkeley11 assumable home · median 2.99%
- 339Biggs11 assumable home · median 2.88%
- 340Bradley11 assumable home · median 6.58%
- 341Brookdale11 assumable home · median 5.41%
- 342Buena Park11 assumable home · median 3.92%
- 343Butte Valley11 assumable home · median 3.08%
- 344Cabazon11 assumable home · median 2.78%
- 345Calabasas11 assumable home · median 3.00%
- 346Cameron Park11 assumable home · median 2.94%
- 347Campbell11 assumable home · median 3.04%
- 348Carmel11 assumable home · median 2.88%
- 349Castro Valley11 assumable home · median 2.87%
- 350Ceres11 assumable home · median 3.06%
- 351Clayton11 assumable home · median 6.77%
- 352Coalinga11 assumable home · median 2.72%
- 353Colusa11 assumable home · median 6.43%
- 354Copperopolis11 assumable home · median 2.86%
- 355Corcoran11 assumable home · median 5.23%
- 356Coulterville11 assumable home · median 4.20%
- 357Crockett11 assumable home · median 6.50%
- 358Cupertino11 assumable home · median 2.29%
- 359Delano11 assumable home · median 3.55%
- 360Descanso11 assumable home · median 3.00%
- 361Duarte11 assumable home · median 2.93%
- 362Durham11 assumable home · median 2.87%
- 363El Centro11 assumable home · median 4.37%
- 364El Sobrante11 assumable home · median 2.70%
- 365Encino11 assumable home · median 4.22%
- 366Fair Oaks11 assumable home · median 3.72%
- 367Folsom11 assumable home · median 3.06%
- 368Forest Ranch11 assumable home · median 6.32%
- 369Forestville11 assumable home · median 3.76%
- 370Fremont11 assumable home · median 3.64%
- 371Glenhaven11 assumable home · median 3.10%
- 372Green Valley11 assumable home · median 3.02%
- 373Green Valley Lake11 assumable home · median 2.81%
- 374Grizzly Flats11 assumable home · median 6.19%
- 375Guadalupe11 assumable home · median 5.00%
- 376Harbor City11 assumable home · median 6.42%
- 377Heber11 assumable home · median 3.82%
- 378Kerman11 assumable home · median 2.81%
- 379La Habra Heights11 assumable home · median 6.62%
- 380La Palma11 assumable home · median 6.50%
- 381La Verne11 assumable home · median 2.80%
- 382Laguna Hills11 assumable home · median 5.66%
- 383Lake Los Angeles11 assumable home · median 3.82%
- 384Lamont11 assumable home · median 5.78%
- 385Lebec11 assumable home · median 3.04%
- 386Lewiston11 assumable home · median 3.71%
- 387Lindsay11 assumable home · median 5.98%
- 388Live Oak11 assumable home · median 6.79%
- 389Livingston11 assumable home · median 5.12%
- 390Llano11 assumable home · median 4.14%
- 391Lodi11 assumable home · median 3.22%
- 392Loomis11 assumable home · median 4.56%
- 393Los Molinos11 assumable home · median 2.81%
- 394Los Olivos11 assumable home · median 2.99%
- 395Lower Lake11 assumable home · median 6.16%
- 396Lynwood11 assumable home · median 2.72%
- 397Lytle Creek11 assumable home · median 6.26%
- 398Manhattan Beach11 assumable home · median 2.90%
- 399Marina del Rey11 assumable home · median 6.33%
- 400Menlo Park11 assumable home · median 2.77%
- 401Mentone11 assumable home · median 3.01%
- 402Milpitas11 assumable home · median 7.06%
- 403Montague11 assumable home · median 5.30%
- 404Moorpark11 assumable home · median 3.23%
- 405Moraga11 assumable home · median 3.90%
- 406Morongo Valley11 assumable home · median 6.88%
- 407Morro Bay11 assumable home · median 3.72%
- 408Murphys11 assumable home · median 3.43%
- 409Needles11 assumable home · median 6.17%
- 410Newark11 assumable home · median 6.47%
- 411Nice11 assumable home · median 3.15%
- 412North Tustin11 assumable home · median 3.54%
- 413Oak Park11 assumable home · median 3.03%
- 414Ojai11 assumable home · median 6.64%
- 415Orland11 assumable home · median 5.88%
- 416Pacific Palisades11 assumable home · median 6.10%
- 417Palo Verde11 assumable home · median 6.78%
- 418Pasadena11 assumable home · median 6.60%
- 419Pearblossom11 assumable home · median 6.87%
- 420Pine Valley11 assumable home · median 7.04%
- 421Pioneertown11 assumable home · median 2.73%
- 422Piru11 assumable home
- 423Playa Vista11 assumable home · median 2.66%
- 424Pleasant Hill11 assumable home · median 3.51%
- 425Porterville11 assumable home · median 5.52%
- 426Quartz Hill11 assumable home · median 4.45%
- 427Quincy11 assumable home · median 6.66%
- 428Rancho Murieta11 assumable home · median 6.50%
- 429Redondo Beach11 assumable home · median 2.75%
- 430Rio Linda11 assumable home · median 3.78%
- 431Ripon11 assumable home · median 3.58%
- 432Riverbank11 assumable home · median 5.30%
- 433Rodeo11 assumable home · median 2.90%
- 434Romoland11 assumable home · median 3.07%
- 435Roseville11 assumable home · median 3.21%
- 436San Ardo11 assumable home · median 6.86%
- 437San Clemente11 assumable home · median 5.75%
- 438San Fernando11 assumable home · median 4.44%
- 439San Juan Capistrano11 assumable home · median 3.45%
- 440San Ysidro11 assumable home · median 6.35%
- 441Santa Barbara11 assumable home · median 2.81%
- 442Santa Monica11 assumable home · median 3.00%
- 443Santa Ysabel11 assumable home · median 2.87%
- 444Scotts Valley11 assumable home · median 3.18%
- 445Shafter11 assumable home · median 3.73%
- 446Signal Hill11 assumable home · median 3.13%
- 447Silverado11 assumable home · median 3.23%
- 448Solana Beach11 assumable home · median 4.07%
- 449Soledad11 assumable home · median 6.60%
- 450Soquel11 assumable home · median 6.90%
- 451Stevenson Ranch11 assumable home · median 6.49%
- 452Stratford11 assumable home · median 6.36%
- 453Studio City11 assumable home · median 3.50%
- 454Sugarloaf11 assumable home · median 6.92%
- 455Taft11 assumable home · median 6.74%
- 456Toluca Lake11 assumable home · median 2.95%
- 457Turlock11 assumable home · median 3.95%
- 458Twentynine Palms11 assumable home · median 4.83%
- 459Twin Peaks11 assumable home · median 7.50%
- 460Val Verde11 assumable home · median 6.81%
- 461West Sacramento11 assumable home · median 6.85%
- 462Westlake Village11 assumable home · median 3.69%
- 463Whitewater11 assumable home · median 6.71%
- 464Willits11 assumable home · median 2.96%
- 465Winters11 assumable home · median 6.14%
- 466Woodland11 assumable home · median 3.22%
- 467Yreka11 assumable home · median 3.38%
Also covered in California, no verified assumable listings today:
- Acampo
- Agua Dulce
- Ahwahnee
- Albion
- Alderpoint
- Alhambra
- Alleghany
- Alpaugh
- Alta
- Altadena
- Alturas
- Amador City
- American Canyon
- Angels Camp
- Angelus Oaks
- Angwin
- Antelope
- Applegate
- Arboga
- Arbuckle
- Arcata
- Armona
- Arnold
- Artesia
- Artois
- Arvin
- Atascadero
- Atherton
- Auberry
- Auburn
- Avalon
- Avenal
- Avery
- Avila Beach
- Baker
- Ballico
- Bangor
- Beale AFB
- Bear Valley
- Belden
- Bell
- Bell Canyon
- Bell Gardens
- Belmont
- Berry Creek
- Bethel Island
- Beverly Hills
- Bieber
- Big Bar
- Big Creek
- Big River
- Big Sur
- Biola
- Bishop
- Blairsden Graeagle
- Blue Jay
- Bodega Bay
- Bodfish
- Boonville
- Bradbury
- Branscomb
- Bridgeport
- Bridgeville
- Brisbane
- Brooks
- Browns Valley
- Brownsville
- Buellton
- Burlingame
- Burney
- Burson
- Butte Meadows
- Buttonwillow
- Byron
- Calexico
- Caliente
- California Hot Springs
- Calipatria
- Calistoga
- Calpella
- Calpine
- Cambria
- Camino
- Camp Connell
- Campo Seco
- Camptonville
- Canby
- Cantua Creek
- Capay
- Capitola
- Cardiff by the Sea
- Carlotta
- Carmel Valley
- Carmichael
- Carnelian Bay
- Carpinteria
- Caruthers
- Casmalia
- Caspar
- Castella
- Castroville
- Catheys Valley
- Cayucos
- Cedar Glen
- Cedarpines Park
- Cedarville
- Challenge
- Chester
- Chilcoot
- Chinese Camp
- Chualar
- City of Industry
- Clarksburg
- Clements
- Clio
- Clipper Mills
- Cloverdale
- Cobb
- Cohasset
- Cold Springs
- Colfax
- Colma
- Columbia
- Commerce
- Comptche
- Cool
- Corona del Mar
- Corte Madera
- Cotati
- Coto de Caza
- Cottonwood
- Courtland
- Covelo
- Crescent City
- Crescent Mills
- Cressey
- Creston
- Crows Landing
- Cutler
- Cuyama
- Daggett
- Danville
- Davenport
- Davis
- Del Mar
- Del Rey
- Del Rey Oaks
- Delhi
- Denair
- Desert Center
- Diablo
- Diamond Springs
- Dillon Beach
- Dinuba
- Dixon
- Dobbins
- Dorris
- Dos Palos
- Douglas City
- Douglas Flat
- Downieville
- Doyle
- Drytown
- Ducor
- Dunlap
- Dunnigan
- Dunsmuir
- Dutch Flat
- Earlimart
- East Palo Alto
- Echo Lake
- Edwards
- El Dorado
- El Dorado Hills
- El Granada
- El Macero
- El Mirage
- El Monte
- El Nido
- El Portal
- Elk
- Elk Creek
- Elverta
- Emeryville
- Emigrant Gap
- Empire
- Escalon
- Esparto
- Essex
- Etna
- Eureka
- Exeter
- Fairfax
- Fall River Mills
- Farmersville
- Farmington
- Fellows
- Fiddletown
- Firebaugh
- Fish Camp
- Five Points
- Floriston
- Flournoy
- Foothill Ranch
- Forbestown
- Forest Knolls
- Foresthill
- Fort Jones
- Fortuna
- Foster City
- Fountain Valley
- Fowler
- Freedom
- French Camp
- French Gulch
- Friant
- Fulton
- Galt
- Garberville
- Garden Valley
- Gazelle
- Georgetown
- Gerber
- Geyserville
- Glen Ellen
- Glencoe
- Glenn
- Gold River
- Gold Run
- Goleta
- Gonzales
- Goodyears Bar
- Graeagle
- Granite Bay
- Grass Valley
- Greenbrae
- Greenfield
- Greenview
- Greenville
- Greenwood
- Grenada
- Grimes
- Gualala
- Guatay
- Guerneville
- Guinda
- Gustine
- Half Moon Bay
- Hamilton City
- Happy Camp
- Harmony
- Hathaway Pines
- Havilah
- Hawaiian Gardens
- Hayfork
- Healdsburg
- Helm
- Herald
- Herlong
- Hermosa Beach
- Hi Vista
- Hickman
- Hidden Hills
- Hillsborough
- Hilmar
- Hinkley
- Holtville
- Homewood
- Honcut
- Hood
- Hopland
- Hornbrook
- Hornitos
- Hughson
- Huron
- Hyampom
- Igo
- Imperial
- Inverness
- Inyokern
- Irwindale
- Isla Vista
- Isleton
- Ivanhoe
- Jackson
- Jacumba
- Janesville
- Jenner
- Johnson Valley
- Junction City
- June Lake
- Juniper Hills
- Keene
- Kensington
- Kentfield
- Kenwood
- Kernville
- Kettleman City
- Keyes
- King City
- Kings Beach
- Kingsburg
- Kirkwood
- Klamath River
- Knights Landing
- Kyburz
- La Cañada Flintridge
- La Crescenta
- La Grange
- La Honda
- La Jolla
- La Porte
- La Selva Beach
- Ladera Ranch
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Laton
- Laytonville
- Le Grand
- Leggett
- Linden
- Little River
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
- Long Barn
- Los Alamitos
- Los Alamos
- Los Altos
- Los Altos Hills
- Los Gatos
- Los Osos
- Lost Hills
- Lotus
- Loyalton
- Macdoel
- Madison
- Malibu
- Mammoth Lakes
- Manchester
- Manton
- Maricopa
- Markleeville
- Mather
- Maxwell
- Maywood
- McArthur
- McCloud
- McFarland
- McKinleyville
- McKittrick
- Meadow Vista
- Mecca
- Mendocino
- Mendota
- Meridian
- Mi Wuk Village
- Middletown
- Midpines
- Midway City
- Milford
- Mill Creek
- Mill Valley
- Millbrae
- Millville
- Mineral
- Mira Loma
- Miramonte
- Mission Hills
- Mokelumne Hill
- Monrovia
- Montara
- Monte Rio
- Monte Sereno
- Montecito
- Monterey
- Monterey Park
- Montgomery Creek
- Montrose
- Moss Beach
- Moss Landing
- Mount Aukum
- Mount Baldy
- Mount Hermon
- Mount Laguna
- Mount Shasta
- Mountain Center
- Mountain Mesa
- Mountain Ranch
- Muir Beach
- Napa
- Nevada City
- New Cuyama
- Newberry Springs
- Newcastle
- Newman
- Newport Coast
- Nicolaus
- Niland
- Nipton
- North Edwards
- North Fork
- North Highlands
- North Palm Springs
- North San Juan
- Novato
- O'Neals
- Oak Glen
- Oak Run
- Oak View
- Occidental
- Oceano
- Ocotillo
- Olancha
- Old Station
- Olympic Valley
- Onyx
- Orange Cove
- Orangevale
- Oregon House
- Orinda
- Oro Grande
- Orosi
- Pacheco
- Pacifica
- Paicines
- Pala
- Palermo
- Palo Alto
- Palo Cedro
- Palomar Mountain
- Palos Verdes Estates
- Palos Verdes Peninsula
- Paramount
- Parlier
- Paskenta
- Pauma Valley
- Paynes Creek
- Pebble Beach
- Penn Valley
- Penryn
- Pescadero
- Petaluma
- Philo
- Piedmont
- Pilot Hill
- Pine Grove
- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
- Pismo Beach
- Pixley
- Placerville
- Planada
- Platina
- Playa del Rey
- Pleasant Grove
- Plumas Lake
- Plymouth
- Point Arena
- Pollock Pines
- Pope Valley
- Port Costa
- Portola
- Portola Valley
- Posey
- Potrero
- Potter Valley
- Prather
- Princeton
- Prunedale
- Rackerby
- Rail Road Flat
- Raisin City
- Ranchita
- Rancho Santa Fe
- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richgrove
- Richvale
- Rimforest
- Rio Oso
- Riverdale
- Robbins
- Rocklin
- Rohnert Park
- Rolling Hills
- Rolling Hills Estates
- Rosemead
- Rough and Ready
- Round Mountain
- Rowland Heights
- Royal Oaks
- Rumsey
- Salida
- Salyer
- San Andreas
- San Anselmo
- San Bruno
- San Carlos
- San Francisco
- San Geronimo
- San Joaquin
- San Juan Bautista
- San Leandro
- San Lucas
- San Luis Obispo
- San Marino
- San Martin
- San Miguel Island
- San Rafael
- San Simeon
- Sand City
- Sanger
- Santa Margarita
- Santa Nella
- Santa Rosa
- Santa Ynez
- Saratoga
- Sausalito
- Seal Beach
- Seaside
- Sebastopol
- Selma
- Shandon
- Shasta
- Shasta Lake
- Shaver Lake
- Sheep Ranch
- Sheridan
- Sherwood Forest
- Shingle Springs
- Shingletown
- Sierra City
- Sierra Madre
- Sierraville
- Skyforest
- Sloughhouse
- Smartsville
- Smith River
- Snelling
- Soda Springs
- Solvang
- Somis
- Sonoma
- South El Monte
- South Lake Tahoe
- South Pasadena
- South San Francisco
- Spreckels
- Springville
- St. Helena
- Standish
- Stanford
- Stevinson
- Stinson Beach
- Stirling City
- Stonyford
- Strathmore
- Strawberry
- Strawberry Valley
- Summerland
- Sun Village
- Sunnyvale
- Sunol
- Sunset Beach
- Susanville
- Sutter
- Sutter Creek
- Tahoe City
- Tahoe Vista
- Tahoma
- Tarzana
- Tecate
- Tecopa
- Temple City
- Termo
- Terra Bella
- The Sea Ranch
- Thornton
- Three Rivers
- Tiburon
- Tipton
- Tollhouse
- Tomales
- Tranquillity
- Traver
- Tres Pinos
- Trinity Center
- Trona
- Truckee
- Tulare
- Tulelake
- Twain
- Twin Bridges
- Ukiah
- Upper Lake
- Vallecito
- Valley Home
- Valley Village
- Valyermo
- Venice
- Vernalis
- Vernon
- Victor
- View Park
- Villa Park
- Vinton
- Volcano
- Wallace
- Walnut Grove
- Wasco
- Waterford
- Wawona
- Weaverville
- Weed
- Weldon
- West Point
- Westley
- Westminster
- Westmorland
- Westport
- Westwood
- Wheatland
- Whitethorn
- Whitmore
- Williams
- Willow Springs
- Wilseyville
- Wilton
- Windsor
- Winterhaven
- Winton
- Wishon
- Woodbridge
- Woodlake
- Woodside
- Woody
- Wrightwood
- Yankee Hill
- Yermo
- Yokuts Valley
- Yolo
- Yosemite National Park
- Yountville
- Zamora
- Zenia
About the market
Assumable mortgagesin California, explained.
Every number on this page comes from the live MLS feeds UMe indexes across California. Updated October 2026.
How assumptions work for buyersCalifornia has 4,130 homes for sale with an assumable mortgage as of October 2026: 2,526 FHA loans and 1,604 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 California assumable listings start at 2.00% with a median of 5.10%; 1,678 listings are under 4% and 2,003 are under 5%.
The median assumable home in California lists for $585,000, with a median of $176,041 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 $2,325 a month versus $3,137 for the same balance at today's rate, roughly $812 kept every month and $9,738 a year. The deepest California inventory is in San Diego (231), Los Angeles (133), Lancaster (97), Victorville (97), and Hemet (94).
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 California assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across California
View all 4,130 on the map Homes on the marketacross California.
FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.40%today- Payment
- $2,182/mo
$3,539today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
VATop pick
Active
39$470,000$23,091 equity gap
- Rate
- 3.12%
7.40%today- Payment
- $2,124/mo
$3,435today
- 3beds
- 2baths
- 1,699sqft
33200 Benner Street, Lake Elsinore
FHATop pick
Active
35$2,250,000$83,083 equity gap
- Rate
- 3.21%
7.40%today- Payment
- $10,825/mo
$17,310today
- —beds
- —baths
- 5,263sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 equity gap
- Rate
- 2.79%
7.40%today- Payment
- $2,253/mo
$3,802today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
VATop pick
Active
22$750,000$73,146 equity gap
- Rate
- 2.90%
7.40%today- Payment
- $3,139/mo
$5,222today
- 3beds
- 3baths
- 2,010sqft
27258 Narrowleaf Willow Lane, Valencia
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 California.
Live counts from the MLS feeds we index for California. Updated October 2026.
- Active listings
- 4,130
- UMe Certified / verified
- 0
- Lowest rate
- 2.00%
- Median rate
- 5.10%
- Median list price
- $585,000
- Median cash to assume
- $176,041
California listings by locked rate
- Under 4%1,678 homes
- 4% – 5%325 homes
- 5% – 6%310 homes
- 6% and up1,794 homes
California listings by loan type
- FHA2,526 homesmedian 5.66%
- VA1,604 homesmedian 3.93%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the California numbers
What an assumable ratedoes to a California payment.
The sliders start at the median California assumable listing: $585,000 list price and a 5.10% 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)$175,000
30% 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 California
$2,375/mo
New loan at 7.20%$2,783
Assumed at 5.10%
$2,375
Every month$408
Over five years$24,488
Interest you never pay$260,92326-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 California listing on UMe shows the actual balance, rate, and payment.
How it works in California
How to assumea mortgage in California.
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 California home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the California 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 $176,041 in California 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 California payment written in a different decade.
California questions
Assuming a mortgagein California.
The numbers below come from current California inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in California?
As of October 2026, UMe tracks 4,130 active assumable listings in California. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in California?
Current California inventory breaks down as FHA (2,526, median 5.66%) and VA (1,604, median 3.93%). 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 California?
The lowest rate on an active California assumable listing is 2.00%, and the median across all 4,130 listings is 5.10%. 1,678 listings are under 4% and 2,003 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 California?
Across current California listings, the median principal-and-interest payment on the assumable loan is $2,325 per month versus $3,137 for the same balance at today's rates, a difference of about $812 every month, or $9,738 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 California?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In California that gap is currently a median of $176,041 on a median list price of $585,000. 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 California cities have the most assumable homes?
The deepest assumable inventory in California is in San Diego (231), Los Angeles (133), Lancaster (97), Victorville (97), and Hemet (94). Each city has its own page with live counts, rates, and neighborhoods, and the California map lets you search the whole state at once.
How long does a mortgage assumption take in California?
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.
Ready when you are
Stop overpaying for California.The rate is already on the house.
Every listing on the California map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.