2.54% FHA
$528,000
$2,145/mo
3807 Seattle St
Hemet, CA
5 bd3 ba2,838 sqft
Beaumont, California
Keep the rate.
Buy the home in Beaumont.
36 assumable homes for sale in Beaumont, with locked rates from 2.66%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.98%
vs 7.2% market
$902/mo saved
Median locked rate
4.98%
Across 36 assumable listings
Typical monthly savings
$902
On a $562,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Beaumont
Homes with a rate worth keeping
2.96% VA
$499,000
$2,045/mo
2914 Coffeeberry Way
San Jacinto, CA
4 bd4 ba3,127 sqft
3.05% VA
$575,000
$2,270/mo
36751 Cordoba
Beaumont, CA
5 bd3 ba2,261 sqft
3.45% VA
$511,500
$2,276/mo
855 Browning Court
San Jacinto, CA
5 bd3 ba2,383 sqft
3.45% FHA
$519,900
$2,305/mo
1652 APOLLO Way
Beaumont, CA
3 bd3 ba1,947 sqft
3.45% FHA
$419,000
$1,927/mo
1649 Spring Run Lane
Beaumont, CA
2 bd2 ba1,923 sqft
Inventory snapshot
What’s assumable in Beaumont right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 36
- Certified / verified
- 0
- Lowest rate
- 2.66%
- Median rate
- 4.98%
- Median list price
- $562,500
- Median cash to assume
- $109,392
Listings by locked rate
- Under 4%16 homes
- 4% – 5%3 homes
- 5% – 6%5 homes
- 6% and up12 homes
Listings by loan type
- FHA25 homesmedian 5.10%
- VA11 homesmedian 3.45%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Beaumont ZIP code
Nearby markets
More assumable homes in California
- San Diego256
- Los Angeles123
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale82
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Stockton40
- Sacramento39
- Moreno Valley37
- Acampo
Run your numbers
The cost of waiting in Beaumont.
A 7.2% new loan against an assumable one at 4.98%, same balance, 30 years.
You keep every month
$647/mo
Over a year$7,767
Monthly payment, side by side
7.2% vs 4.98%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Beaumont
Numbers below come from current Beaumont inventory and update as listings change.
- How many assumable homes are for sale in Beaumont?
- As of September 2026, UMe tracks 36 active assumable listings in Beaumont. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Beaumont?
- Current Beaumont inventory breaks down as FHA (25, median 5.10%) and VA (11, median 3.45%). 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 Beaumont right now?
- The lowest rate on an active Beaumont assumable listing is 2.66%, and the median across all 36 listings is 4.98%. 16 listings are under 4% and 19 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 Beaumont?
- Across current Beaumont listings, the median principal-and-interest payment on the assumable loan is $2,304 per month versus $3,205 for the same balance at today's rates, a difference of about $902 every month, or $10,819 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 Beaumont?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Beaumont that gap is currently a median of $109,392 on a median list price of $562,500. 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 Beaumont ZIP codes have the most assumable homes?
- The Beaumont ZIP codes with the most active assumable listings are 92223 (36). 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 Beaumont?
- 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 Beaumont.
Every listing on the map has a rate you can take over. Start with the ones in California, or list your own low-rate loan and let buyers come to you.
