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Assumable homes for sale in Oceanside, CA

16 homesVA & FHA loansrates from 2.81% vs 7.40% today

Oceanside assumption guide
801 Yankee Point Way, Oceanside, CA, 92058 — assumable VA mortgage at 2.87%
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

801 Yankee Point Way, Oceanside

175 Avenida Descanso #108, Oceanside, CA, 92057 — assumable VA mortgage at 2.81%
VA
Active
19
$365,000$97,514 equity gap
Rate
2.81%
7.40%today
Payment
$1,263/mo
$2,125today
  • 2beds
  • 1baths
  • 741sqft

175 Avenida Descanso #108, Oceanside

3208 Silver Ridge Court, Oceanside, CA, 92058 — assumable VA mortgage at 2.94%
VA
Active
19
$1,389,950$568,554 equity gap
Rate
2.94%
7.40%today
Payment
$3,878/mo
$6,418today
  • 4beds
  • 4baths
  • 2,851sqft

3208 Silver Ridge Court, Oceanside

81 Seagull Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$365,000$365,000 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,248sqft

81 Seagull Lane, Oceanside

176 Flicker Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$329,999$329,999 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,164sqft

176 Flicker Lane, Oceanside

4136 Sitio Flor, Oceanside, CA, 92057 — assumable VA mortgage at 3.47%
VA
Active
26
$659,990$254,367 equity gap
Rate
3.47%
7.40%today
Payment
$2,082/mo
$3,222today
  • 3beds
  • 3baths
  • 1,366sqft

4136 Sitio Flor, Oceanside

846 DANA POINT Way, Oceanside, CA, 92058 — assumable VA mortgage at 3.54%
VA
Active
34
$532,500$459,340 equity gap
Rate
3.54%
7.40%today
Payment
$483/mo
$741today
  • 2beds
  • 2baths
  • 1,104sqft

846 DANA POINT Way, Oceanside

225 Borrego Ct, Oceanside, CA, 92057 — assumable VA mortgage at 3.55%
VA
Active
23
$1,495,000$840,107 equity gap
Rate
3.55%
7.40%today
Payment
$3,250/mo
$4,979today
  • 5beds
  • 3baths
  • 3,277sqft

225 Borrego Ct, Oceanside

615 Fredricks Avenue #161, Oceanside, CA, 92058 — assumable VA mortgage at 4.07%
VA
Active
32
$369,000$146,910 equity gap
Rate
4.07%
7.40%today
Payment
$1,246/mo
$1,792today
  • 2beds
  • 2baths
  • 987sqft

615 Fredricks Avenue #161, Oceanside

327 Alamo Way, Oceanside, CA, 92057 — assumable VA mortgage at 3.99%
VA
Active
40
$899,000$686,423 equity gap
Rate
3.99%
7.40%today
Payment
$1,534/mo
$2,228today
  • 4beds
  • 3baths
  • 2,291sqft

327 Alamo Way, Oceanside

4593 Mardi Gras, Oceanside, CA, 92057 — assumable VA mortgage at 6.84%
VA
Active
26
$870,000Potential short sale
Rate
6.84%
7.40%today
Payment
$5,754/mo
$6,086today
  • 4beds
  • 3baths
  • 1,666sqft

4593 Mardi Gras, Oceanside

3755 Vista Campana #11, Oceanside, CA, 92057 — assumable FHA mortgage at 6.58%
FHA
Active
29
$515,000$32,822 equity gap
Rate
6.58%
7.40%today
Payment
$3,104/mo
$3,372today
  • 3beds
  • 2baths
  • 1,291sqft

3755 Vista Campana #11, Oceanside

1420 San Simeon Street, Oceanside, CA, 92058 — assumable VA mortgage at 6.77%
VA
Active
40
$1,100,000$120,999 equity gap
Rate
6.77%
7.40%today
Payment
$6,499/mo
$6,924today
  • 4beds
  • 3baths
  • 1,190sqft

1420 San Simeon Street, Oceanside

3755 Vista Campana #42, Oceanside, CA, 92057 — assumable FHA mortgage at 6.82%
FHA
Active
5
$469,900$48,015 equity gap
Rate
6.82%
7.40%today
Payment
$2,829/mo
$2,998today
  • 2beds
  • 2baths
  • 1,274sqft

3755 Vista Campana #42, Oceanside

3685 Vista Campana #61, Oceanside, CA, 92057 — assumable VA mortgage at 5.25%
VA
Active
25
$349,000Potential short sale
Rate
5.25%
7.40%today
Payment
$2,292/mo
$2,873today
  • 2beds
  • 2baths
  • 1,232sqft

3685 Vista Campana #61, Oceanside

287 Robin Lane, Oceanside, CA, 92057 — assumable VA mortgage
VA
Active
29
$369,000$369,000 equity gap
Rate
—%
7.40%today
Payment
—/mo
  • 2beds
  • 1baths
  • 1,188sqft

287 Robin Lane, Oceanside

Assuming a mortgage in Oceanside

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
2.81%
Lowest existing payment
$483 /mo
Median cash to assume
$254,367
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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