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Assumable homes for sale in Oceanside, CA

34 homesVA & FHA loansrates from 2.77% 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

1491 Puritan Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.90%
VA
Active
17
$540,000$112,102 equity gap
Rate
2.90%
7.40%today
Payment
$1,998/mo
$3,323today
  • 3beds
  • 2baths
  • 1,680sqft

1491 Puritan Way, Oceanside

4025 Ivey Vista Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.77%
VA
Active
35
$880,000$559,430 equity gap
Rate
2.77%
7.40%today
Payment
$1,475/mo
$2,496today
  • 3beds
  • 3baths
  • 1,438sqft

4025 Ivey Vista Way, Oceanside

1039 Plover Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.90%
VA
Active
26
$505,000$230,281 equity gap
Rate
2.90%
7.40%today
Payment
$1,280/mo
$2,129today
  • 2beds
  • 2baths
  • 1,050sqft

1039 Plover Way, 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

509 Calle Montecito #42, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
37
$350,000$350,000 equity gap
Rate
3.00%
7.40%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 806sqft

509 Calle Montecito #42, 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

4675 Caneel Bay Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.45%
VA
Active
46
$1,175,000$639,370 equity gap
Rate
3.45%
7.40%today
Payment
$2,769/mo
$4,295today
  • 4beds
  • 3baths
  • 2,622sqft

4675 Caneel Bay Court, Oceanside

914 Tempera Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.48%
VA
Active
45
$899,000$406,538 equity gap
Rate
3.48%
7.40%today
Payment
$2,553/mo
$3,947today
  • 4beds
  • 3baths
  • 2,077sqft

914 Tempera Court, 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

1243 Bellingham Drive, Oceanside, CA, 92057 — assumable VA mortgage at 3.55%
VA
Active
35
$1,161,000$807,841 equity gap
Rate
3.55%
7.40%today
Payment
$2,377/mo
$3,642today
  • 5beds
  • 3baths
  • 2,971sqft

1243 Bellingham Drive, 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

4925 Siesta Drive, Oceanside, CA, 92057 — assumable VA mortgage at 3.56%
VA
Active
41
$739,900$554,085 equity gap
Rate
3.56%
7.40%today
Payment
$1,087/mo
$1,663today
  • 3beds
  • 2baths
  • 1,496sqft

4925 Siesta Drive, Oceanside

1495 Enchante Way, Oceanside, CA, 92056 — assumable VA mortgage at 4.51%
VA
Active
68
$960,000$265,514 equity gap
Rate
4.51%
7.40%today
Payment
$4,134/mo
$5,643today
  • 4beds
  • 3baths
  • 2,227sqft

1495 Enchante Way, Oceanside

514 Calle Montecito #78, Oceanside, CA, 92057 — assumable VA mortgage at 5.51%
VA
Active
40
$435,000$11,220 equity gap
Rate
5.51%
7.40%today
Payment
$2,559/mo
$3,117today
  • 2beds
  • 2baths
  • 856sqft

514 Calle Montecito #78, 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

332 Monte Vista, Oceanside, CA, 92057 — assumable FHA mortgage at 5.10%
FHA
Active
26
$998,000$163,057 equity gap
Rate
5.10%
7.40%today
Payment
$4,851/mo
$6,187today
  • 3beds
  • 3baths
  • 2,291sqft

332 Monte Vista, 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

265 Riverview Way, Oceanside, CA, 92057 — assumable FHA mortgage at 6.66%
FHA
Active
11
$579,999$38,585 equity gap
Rate
6.66%
7.40%today
Payment
$3,578/mo
$3,855today
  • 2beds
  • 2baths
  • 1,010sqft

265 Riverview Way, Oceanside

5151 Via Mindanao, Oceanside, CA, 92057 — assumable VA mortgage at 6.87%
VA
Active
45
$1,099,000$95,567 equity gap
Rate
6.87%
7.40%today
Payment
$6,740/mo
$7,108today
  • 5beds
  • 3baths
  • 2,854sqft

5151 Via Mindanao, Oceanside

4932 Verde Drive, Oceanside, CA, 92057 — assumable FHA mortgage at 6.95%
FHA
Active
63
$689,000$56,840 equity gap
Rate
6.95%
7.40%today
Payment
$4,251/mo
$4,447today
  • 3beds
  • 2baths
  • 988sqft

4932 Verde Drive, Oceanside

4248 Mission Ranch Way, Oceanside, CA, 92057 — assumable VA mortgage at 7.09%
VA
Active
44
$755,000$43,600 equity gap
Rate
7.09%
7.40%today
Payment
$4,886/mo
$5,039today
  • 3beds
  • 3baths
  • 1,548sqft

4248 Mission Ranch Way, Oceanside

5045 Los Morros Way #83, Oceanside, CA, 92057 — assumable VA mortgage at 6.78%
VA
Active
45
$420,000$73,232 equity gap
Rate
6.78%
7.40%today
Payment
$2,307/mo
$2,455today
  • 1beds
  • 1baths
  • 700sqft

5045 Los Morros Way #83, 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

716 Rena Drive, Oceanside, CA, 92057 — assumable VA mortgage at 7.17%
VA
Active
31
$740,000$116,300 equity gap
Rate
7.17%
7.40%today
Payment
$4,317/mo
$4,417today
  • 3beds
  • 2baths
  • 1,071sqft

716 Rena Drive, 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

4374 Nautilus Way #1, Oceanside, CA, 92056 — assumable FHA mortgage at 6.50%
FHA
Active
45
$849,000$849,000 equity gap
Rate
6.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 4baths
  • 1,702sqft

4374 Nautilus Way #1, Oceanside

505 Calle Montecito #23, Oceanside, CA, 92057 — assumable VA mortgage at 6.50%
VA
Active
36
$425,000$425,000 equity gap
Rate
6.50%
7.40%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 856sqft

505 Calle Montecito #23, Oceanside

513 Calle Montecito #64, Oceanside, CA, 92057 — assumable VA mortgage at 7.06%
VA
Active
32
$429,999Potential short sale
Rate
7.06%
7.40%today
Payment
$3,214/mo
$3,324today
  • 2beds
  • 2baths
  • 856sqft

513 Calle Montecito #64, 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
2.77%
Lowest existing payment
$483 /mo
Median cash to assume
$242,324
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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