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Assumable homes for sale in Modesto, CA

13 homesFHA & VA loansrates from 2.89% vs 7.40% today

Modesto assumption guide
Whispering Oak Drive, Ceres, CA, 95307 — assumable VA mortgage at 3.06%
VA
Active
16
$585,000$133,990 equity gap
Rate
3.06%
7.40%today
Payment
$2,162/mo
$3,524today
  • 4beds
  • 2baths
  • 2,502sqft

Whispering Oak Drive, Ceres

1417 Cherrywood Drive, Modesto, CA, 95350 — assumable VA mortgage at 3.26%
VA
Active
48
$429,900$158,710 equity gap
Rate
3.26%
7.40%today
Payment
$1,365/mo
$2,169today
  • 3beds
  • 2baths
  • 1,371sqft

1417 Cherrywood Drive, Modesto

3705 Kona Oak Drive, Modesto, CA, 95355 — assumable VA mortgage at 2.89%
VA
Active
24
$449,000$385,951 equity gap
Rate
2.89%
7.40%today
Payment
$302/mo
$502today
  • 3beds
  • 2baths
  • 1,636sqft

3705 Kona Oak Drive, Modesto

1616 Ironside Drive, Modesto, CA, 95358 — assumable FHA mortgage at 3.09%
FHA
Active
15
$430,000$188,336 equity gap
Rate
3.09%
7.40%today
Payment
$1,168/mo
$1,896today
  • 3beds
  • 2baths
  • 1,387sqft

1616 Ironside Drive, Modesto

Copper Cottage Lane, Modesto, CA, 95355 — assumable FHA mortgage at 3.61%
FHA
Active
46
$469,950$179,145 equity gap
Rate
3.61%
7.40%today
Payment
$1,542/mo
$2,345today
  • 3beds
  • 2baths
  • 1,490sqft

Copper Cottage Lane, Modesto

5239 Sire Court, Riverbank, CA, 95367 — assumable FHA mortgage at 5.30%
FHA
Active
12
$515,000$86,789 equity gap
Rate
5.30%
7.40%today
Payment
$2,531/mo
$3,156today
  • 4beds
  • 2baths
  • 1,937sqft

5239 Sire Court, Riverbank

1324 Riverette Dr., Modesto, CA, 95351 — assumable FHA mortgage at 4.42%
FHA
Active
11
$439,900$135,424 equity gap
Rate
4.42%
7.40%today
Payment
$1,655/mo
$2,283today
  • 3beds
  • 2baths
  • 1,186sqft

1324 Riverette Dr., Modesto

2716 Dania Ct, Modesto, CA, 95358 — assumable VA mortgage at 6.67%
VA
Active
33
$505,000$25,001 equity gap
Rate
6.67%
7.40%today
Payment
$3,122/mo
$3,360today
  • 3beds
  • 2baths
  • 1,506sqft

2716 Dania Ct, Modesto

Northridge Drive, Modesto, CA, 95350 — assumable FHA mortgage at 6.50%
FHA
Active
47
$549,000$147,763 equity gap
Rate
6.50%
7.40%today
Payment
$2,788/mo
$3,024today
  • 4beds
  • 2baths
  • 1,847sqft

Northridge Drive, Modesto

Cloverdale Avenue, Modesto, CA, 95354 — assumable FHA mortgage at 6.81%
FHA
Active
34
$360,000$77,922 equity gap
Rate
6.81%
7.40%today
Payment
$1,922/mo
$2,040today
  • 2beds
  • 1baths
  • 904sqft

Cloverdale Avenue, Modesto

707 Conejo Ave, Modesto, CA, 95354 — assumable FHA mortgage at 7.63%
FHA
Active
37
$460,000$120,343 equity gap
Rate
7.63%
7.40%today
Payment
$2,468/mo
$2,413today
  • 3beds
  • 2baths
  • 1,053sqft

707 Conejo Ave, Modesto

107 I Street, Modesto, CA, 95351 — assumable FHA mortgage at 5.67%
FHA
Active
12
$550,000$527,122 equity gap
Rate
5.67%
7.40%today
Payment
$327/mo
$392today
  • —beds
  • —baths
  • 1,028sqft

107 I Street, Modesto

4600 Via Terreno, Modesto, CA, 95357 — assumable FHA mortgage at 6.81%
FHA
Active
19
$600,000$60,964 equity gap
Rate
6.81%
7.40%today
Payment
$3,558/mo
$3,775today
  • 4beds
  • 3baths
  • 2,334sqft

4600 Via Terreno, Modesto

Assuming a mortgage in Modesto

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.89%
Lowest existing payment
$302 /mo
Median cash to assume
$135,424
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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