VATop pick
Active
14$440,000$22,623 equity gap
- Rate
- 2.87%
7.32%today- Payment
- $1,951/mo
$3,233today
- 2beds
- 2baths
- 1,104sqft
California · Statewide
Assumable homes for salein California.
4,152 homes in California carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
California assumable market
by the numbers.
4,152active assumable listings
2.10%lowest locked rate
$582kmedian list price
$802saved 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 Diego241241 assumable homes · median 5.51%
- 02Los Angeles131131 assumable homes · median 4.76%
- 03Victorville101101 assumable homes · median 5.54%
- 04Hemet9595 assumable homes · median 5.70%
- 05Lancaster9595 assumable homes · median 5.52%
- 06Chula Vista9292 assumable homes · median 5.22%
- 07Menifee8888 assumable homes · median 5.05%
- 08Murrieta7171 assumable homes · median 6.06%
- 09Hesperia6464 assumable homes · median 5.78%
- 10Palmdale6262 assumable homes · median 5.53%
- 11Apple Valley6161 assumable homes · median 6.09%
- 12Lake Elsinore5555 assumable homes · median 5.88%
- 13San Bernardino5353 assumable homes · median 6.27%
- 14Temecula5353 assumable homes · median 3.45%
- 15Moreno Valley5151 assumable homes · median 5.11%
- 16Riverside5151 assumable homes · median 5.11%
- 17Oceanside4949 assumable homes · median 3.84%
- 18Winchester4848 assumable homes · median 6.39%
- 19Indio4747 assumable homes · median 5.10%
- 20Bakersfield4242 assumable homes · median 6.27%
- 21Beaumont4141 assumable homes · median 5.13%
- 22El Cajon4040 assumable homes · median 6.32%
- 23Spring Valley3939 assumable homes · median 4.36%
- 24Long Beach3838 assumable homes · median 3.08%
- 25Fontana3636 assumable homes · median 4.86%
- 26Desert Hot Springs3434 assumable homes · median 5.97%
- 27San Jacinto3434 assumable homes · median 6.32%
- 28Ontario3232 assumable homes · median 6.00%
- 29Perris3232 assumable homes · median 4.55%
- 30Oroville3131 assumable homes · median 3.92%
- 31Corona3030 assumable homes · median 6.25%
- 32Ramona2929 assumable homes · median 6.22%
- 33Yucca Valley2929 assumable homes · median 6.28%
- 34Adelanto2828 assumable homes · median 6.26%
- 35Fallbrook2727 assumable homes · median 5.50%
- 36Merced2727 assumable homes · median 6.37%
- 37Santee2626 assumable homes · median 5.27%
- 38Palm Desert2525 assumable homes · median 3.70%
- 39Valencia2525 assumable homes · median 5.63%
- 40Stockton2424 assumable homes · median 4.98%
- 41Rialto2323 assumable homes · median 6.83%
- 42Wildomar2323 assumable homes · median 6.34%
- 43Antioch2222 assumable homes · median 4.38%
- 44Canyon Country2222 assumable homes · median 5.38%
- 45Banning2121 assumable homes · median 6.13%
- 46Highland2121 assumable homes · median 4.80%
- 47Cathedral City2020 assumable homes · median 3.37%
- 48Compton2020 assumable homes · median 6.21%
- 49Escondido2020 assumable homes · median 3.69%
- 50Rosamond2020 assumable homes · median 4.98%
- 51Oakland1919 assumable homes · median 5.10%
- 52Phelan1919 assumable homes · median 5.55%
- 53San Jose1919 assumable homes · median 4.20%
- 54Simi Valley1919 assumable homes · median 4.72%
- 55Vista1919 assumable homes · median 3.10%
- 56Barstow1818 assumable homes · median 5.37%
- 57Camarillo1717 assumable homes · median 3.55%
- 58Lakeside1717 assumable homes · median 6.04%
- 59Brentwood1616 assumable homes · median 3.29%
- 60Imperial Beach1616 assumable homes · median 3.40%
- 61Pomona1616 assumable homes · median 6.20%
- 62San Marcos1616 assumable homes · median 4.75%
- 63Chino1414 assumable homes · median 6.01%
- 64Coachella1414 assumable homes · median 3.61%
- 65Colton1414 assumable homes · median 3.56%
- 66Redlands1414 assumable homes · median 3.74%
- 67Sacramento1414 assumable homes · median 6.30%
- 68Tehachapi1414 assumable homes · median 6.18%
- 69Anaheim1313 assumable homes · median 4.09%
- 70Chico1313 assumable homes · median 4.29%
- 71Crestline1313 assumable homes · median 6.04%
- 72La Quinta1313 assumable homes · median 3.75%
- 73Norwalk1313 assumable homes · median 6.08%
- 74Oxnard1313 assumable homes · median 5.10%
- 75Rancho Cucamonga1313 assumable homes · median 4.42%
- 76Rancho Santa Margarita1313 assumable homes · median 3.64%
- 77Santa Maria1313 assumable homes · median 6.09%
- 78Upland1313 assumable homes · median 4.12%
- 79Whittier1313 assumable homes · median 3.43%
- 80Castaic1212 assumable homes · median 6.46%
- 81Concord1212 assumable homes · median 3.36%
- 82Jurupa Valley1212 assumable homes · median 6.49%
- 83Thousand Oaks1212 assumable homes · median 3.44%
- 84Vallejo1212 assumable homes · median 6.20%
- 85California City1111 assumable homes · median 6.46%
- 86Hollister1111 assumable homes · median 5.30%
- 87La Mesa1111 assumable homes · median 5.54%
- 88Pittsburg1111 assumable homes · median 3.90%
- 89San Pedro1111 assumable homes · median 6.67%
- 90Sonora1111 assumable homes · median 6.22%
- 91Fresno1010 assumable homes · median 4.29%
- 92Magalia1010 assumable homes · median 3.74%
- 93Oakley1010 assumable homes · median 4.03%
- 94Pacoima1010 assumable homes · median 6.48%
- 95Rancho Mission Viejo1010 assumable homes · median 5.14%
- 96Thermal1010 assumable homes · median 5.16%
- 97Aliso Viejo99 assumable homes · median 6.72%
- 98Coarsegold99 assumable homes · median 4.47%
- 99Helendale99 assumable homes · median 6.81%
- 100Kelseyville99 assumable homes · median 4.08%
- 101Lake Forest99 assumable homes · median 3.85%
- 102Los Banos99 assumable homes · median 5.52%
- 103National City99 assumable homes · median 6.71%
- 104Paradise99 assumable homes · median 6.46%
- 105Salinas99 assumable homes · median 3.45%
- 106Atwater88 assumable homes · median 4.00%
- 107Carson88 assumable homes · median 3.69%
- 108Fillmore88 assumable homes · median 3.23%
- 109Hayward88 assumable homes · median 4.71%
- 110Huntington Beach88 assumable homes · median 3.09%
- 111Inglewood88 assumable homes · median 6.30%
- 112Loma Linda88 assumable homes · median 6.01%
- 113Lucerne Valley88 assumable homes · median 4.97%
- 114Mission Viejo88 assumable homes · median 3.13%
- 115Modesto88 assumable homes · median 5.04%
- 116Palm Springs88 assumable homes · median 3.92%
- 117Paso Robles88 assumable homes · median 4.53%
- 118Santa Ana88 assumable homes · median 4.70%
- 119Sylmar88 assumable homes · median 3.84%
- 120Valley Center88 assumable homes · median 4.39%
- 121Acton77 assumable homes · median 6.12%
- 122Blythe77 assumable homes · median 5.23%
- 123Coronado77 assumable homes · median 3.05%
- 124Discovery Bay77 assumable homes · median 3.53%
- 125Lemon Grove77 assumable homes · median 6.27%
- 126Panorama City77 assumable homes · median 3.75%
- 127Pico Rivera77 assumable homes · median 6.15%
- 128Reseda77 assumable homes · median 6.26%
- 129Walnut Creek77 assumable homes · median 3.75%
- 130West Covina77 assumable homes · median 5.23%
- 131Alpine66 assumable homes · median 4.92%
- 132Anza66 assumable homes · median 6.36%
- 133Big Bear City66 assumable homes · median 6.69%
- 134Calimesa66 assumable homes · median 3.29%
- 135Carlsbad66 assumable homes · median 3.86%
- 136Claremont66 assumable homes · median 6.53%
- 137Covina66 assumable homes · median 6.63%
- 138Fairfield66 assumable homes · median 3.40%
- 139Hanford66 assumable homes · median 6.35%
- 140Hercules66 assumable homes · median 5.21%
- 141Hidden Valley Lake66 assumable homes · median 3.12%
- 142Livermore66 assumable homes · median 3.13%
- 143Manteca66 assumable homes · median 5.87%
- 144Newhall66 assumable homes · median 3.13%
- 145North Hollywood66 assumable homes · median 3.52%
- 146Porter Ranch66 assumable homes · median 6.65%
- 147Rio Vista66 assumable homes · median 6.27%
- 148Thousand Palms66 assumable homes · median 4.65%
- 149Torrance66 assumable homes · median 5.72%
- 150Van Nuys66 assumable homes · median 4.13%
- 151Visalia66 assumable homes · median 6.38%
- 152Yucaipa66 assumable homes · median 4.88%
- 153Bermuda Dunes55 assumable homes · median 5.38%
- 154Canoga Park55 assumable homes · median 4.42%
- 155Canyon Lake55 assumable homes · median 5.81%
- 156Clearlake55 assumable homes · median 3.95%
- 157Eastvale55 assumable homes · median 4.16%
- 158Fullerton55 assumable homes · median 3.55%
- 159Garden Grove55 assumable homes · median 6.82%
- 160Glendora55 assumable homes · median 6.13%
- 161Jamul55 assumable homes · median 6.50%
- 162La Puente55 assumable homes · median 5.25%
- 163Madera55 assumable homes · median 6.34%
- 164Mariposa55 assumable homes · median 6.54%
- 165Newport Beach55 assumable homes · median 4.06%
- 166North Hills55 assumable homes · median 3.14%
- 167Northridge55 assumable homes · median 4.38%
- 168Orange55 assumable homes · median 6.35%
- 169Patterson55 assumable homes · median 4.60%
- 170Richmond55 assumable homes · median 4.01%
- 171San Pablo55 assumable homes · median 3.73%
- 172Santa Paula55 assumable homes · median 6.22%
- 173South Gate55 assumable homes · median 5.25%
- 174Vacaville55 assumable homes · median 3.69%
- 175West Hills55 assumable homes · median 6.09%
- 176Aguanga44 assumable homes · median 6.52%
- 177Azusa44 assumable homes · median 3.67%
- 178Bellflower44 assumable homes · median 3.85%
- 179Bonita44 assumable homes · median 5.06%
- 180Bonsall44 assumable homes · median 6.20%
- 181Boron44 assumable homes · median 6.84%
- 182Burbank44 assumable homes · median 2.94%
- 183Corning44 assumable homes · median 3.82%
- 184Cypress44 assumable homes · median 3.21%
- 185Diamond Bar44 assumable homes · median 3.98%
- 186Downey44 assumable homes · median 5.24%
- 187Dublin44 assumable homes · median 3.72%
- 188Fawnskin44 assumable homes · median 4.93%
- 189Gilroy44 assumable homes · median 3.35%
- 190Glendale44 assumable homes · median 4.75%
- 191Hacienda Heights44 assumable homes · median 4.46%
- 192Homeland44 assumable homes · median 6.82%
- 193Irvine44 assumable homes · median 3.33%
- 194Jamestown44 assumable homes · median 5.41%
- 195Lakeport44 assumable homes · median 3.88%
- 196Littlerock44 assumable homes · median 6.83%
- 197Martinez44 assumable homes · median 3.70%
- 198Mountain House44 assumable homes · median 5.88%
- 199Nipomo44 assumable homes · median 4.33%
- 200Pine Mountain Club44 assumable homes · median 5.94%
- 201Rancho Mirage44 assumable homes · median 3.63%
- 202Ridgecrest44 assumable homes · median 6.58%
- 203Running Springs44 assumable homes · median 3.63%
- 204San Dimas44 assumable homes · median 5.53%
- 205Santa Clarita44 assumable homes · median 5.09%
- 206Sherman Oaks44 assumable homes · median 3.38%
- 207Trabuco Canyon44 assumable homes · median 6.71%
- 208Tracy44 assumable homes · median 5.08%
- 209Tuolumne44 assumable homes · median 3.71%
- 210Tustin44 assumable homes · median 6.31%
- 211Ventura44 assumable homes · median 3.67%
- 212Warner Springs44 assumable homes · median 4.64%
- 213Woodland Hills44 assumable homes · median 4.75%
- 214Agoura Hills33 assumable homes · median 7.17%
- 215Alameda33 assumable homes · median 4.52%
- 216Anderson33 assumable homes · median 4.26%
- 217Aptos33 assumable homes · median 2.80%
- 218Arcadia33 assumable homes · median 6.06%
- 219Arleta33 assumable homes · median 2.90%
- 220Arroyo Grande33 assumable homes · median 3.50%
- 221Bloomington33 assumable homes · median 3.95%
- 222Boulder Creek33 assumable homes · median 4.05%
- 223Cerritos33 assumable homes · median 6.47%
- 224Chatsworth33 assumable homes · median 4.00%
- 225Chino Hills33 assumable homes · median 6.66%
- 226Chowchilla33 assumable homes · median 3.65%
- 227Clovis33 assumable homes · median 4.54%
- 228Culver City33 assumable homes · median 5.30%
- 229Elk Grove33 assumable homes · median 6.67%
- 230Felton33 assumable homes · median 3.05%
- 231Frazier Park33 assumable homes · median 6.95%
- 232Gardena33 assumable homes · median 3.64%
- 233Granada Hills33 assumable homes · median 3.75%
- 234Grand Terrace33 assumable homes · median 6.50%
- 235Grover Beach33 assumable homes · median 3.09%
- 236Hawthorne33 assumable homes · median 6.30%
- 237Julian33 assumable homes · median 6.44%
- 238La Habra33 assumable homes · median 3.13%
- 239La Mirada33 assumable homes · median 3.92%
- 240Laguna Niguel33 assumable homes · median 5.30%
- 241Lake Arrowhead33 assumable homes · median 4.04%
- 242Lake Hughes33 assumable homes · median 6.12%
- 243Lakewood33 assumable homes · median 5.23%
- 244Landers33 assumable homes · median 6.17%
- 245Lathrop33 assumable homes · median 6.63%
- 246Lompoc33 assumable homes · median 3.05%
- 247Marina33 assumable homes · median 6.35%
- 248Montebello33 assumable homes · median 6.51%
- 249Morgan Hill33 assumable homes · median 3.36%
- 250Norco33 assumable homes · median 3.72%
- 251Oak Hills33 assumable homes · median 2.99%
- 252Oakhurst33 assumable homes · median 6.81%
- 253Olivehurst33 assumable homes · median 6.15%
- 254Rancho Palos Verdes33 assumable homes · median 2.97%
- 255Redding33 assumable homes · median 2.88%
- 256Santa Fe Springs33 assumable homes · median 3.87%
- 257Soulsbyville33 assumable homes · median 3.01%
- 258Suisun City33 assumable homes · median 4.98%
- 259Templeton33 assumable homes · median 3.24%
- 260Topanga33 assumable homes · median 3.31%
- 261Twain Harte33 assumable homes · median 3.29%
- 262Wofford Heights33 assumable homes · median 4.55%
- 263Yorba Linda33 assumable homes · median 5.84%
- 264Borrego Springs22 assumable homes · median 5.36%
- 265Boulevard22 assumable homes · median 4.71%
- 266Brawley22 assumable homes · median 3.50%
- 267Brea22 assumable homes · median 4.61%
- 268Campo22 assumable homes · median 7.21%
- 269Cherry Valley22 assumable homes · median 3.48%
- 270Clearlake Oaks22 assumable homes · median 3.29%
- 271Costa Mesa22 assumable homes · median 3.62%
- 272Daly City22 assumable homes · median 2.79%
- 273Dana Point22 assumable homes · median 6.70%
- 274Delano22 assumable homes · median 3.69%
- 275Dulzura22 assumable homes · median 2.95%
- 276El Segundo22 assumable homes · median 4.00%
- 277Forest Falls22 assumable homes · median 4.81%
- 278Fort Bragg22 assumable homes · median 6.50%
- 279Gridley22 assumable homes · median 6.61%
- 280Groveland22 assumable homes · median 4.86%
- 281Huntington Park22 assumable homes · median 5.69%
- 282Idyllwild22 assumable homes · median 6.83%
- 283Indian Wells22 assumable homes · median 5.23%
- 284Ione22 assumable homes · median 6.85%
- 285Joshua Tree22 assumable homes · median 3.12%
- 286Lake Isabella22 assumable homes · median 2.83%
- 287Lawndale22 assumable homes · median 5.04%
- 288Lemoore22 assumable homes · median 6.67%
- 289Leona Valley22 assumable homes · median 4.92%
- 290Linda22 assumable homes · median 4.89%
- 291Lucerne22 assumable homes · median 3.98%
- 292Marysville22 assumable homes · median 6.76%
- 293Mentone22 assumable homes · median 3.41%
- 294Mojave22 assumable homes · median 4.08%
- 295Mountain View22 assumable homes · median 3.29%
- 296Nuevo22 assumable homes · median 5.17%
- 297Oak Park22 assumable homes · median 4.58%
- 298Oakdale22 assumable homes · median 5.54%
- 299Ojai22 assumable homes · median 6.51%
- 300Pacific Grove22 assumable homes · median 2.83%
- 301Placentia22 assumable homes · median 3.05%
- 302Port Hueneme22 assumable homes · median 6.57%
- 303Poway22 assumable homes · median 2.94%
- 304Rancho Cordova22 assumable homes · median 3.90%
- 305Red Bluff22 assumable homes · median 3.85%
- 306Redwood City22 assumable homes · median 5.57%
- 307Salton City22 assumable homes · median 5.42%
- 308San Gabriel22 assumable homes · median 3.81%
- 309San Lorenzo22 assumable homes · median 4.57%
- 310San Mateo22 assumable homes · median 6.62%
- 311San Ramon22 assumable homes · median 3.05%
- 312San Ysidro22 assumable homes · median 6.41%
- 313Santa Cruz22 assumable homes · median 4.61%
- 314Stanton22 assumable homes · median 4.62%
- 315Sun Valley22 assumable homes · median 6.61%
- 316Sunland22 assumable homes · median 5.08%
- 317Tujunga22 assumable homes · median 4.26%
- 318Union City22 assumable homes · median 5.17%
- 319Valley Springs22 assumable homes · median 5.65%
- 320Walnut22 assumable homes · median 5.33%
- 321West Hollywood22 assumable homes · median 6.86%
- 322Willows22 assumable homes · median 4.12%
- 323Winnetka22 assumable homes · median 6.63%
- 324Acampo11 assumable home · median 6.58%
- 325Ahwahnee11 assumable home · median 3.76%
- 326Albany11 assumable home · median 6.50%
- 327Aromas11 assumable home · median 2.83%
- 328Baldwin Park11 assumable home · median 6.09%
- 329Bass Lake11 assumable home · median 6.77%
- 330Bay Point11 assumable home · median 6.33%
- 331Ben Lomond11 assumable home · median 3.76%
- 332Benicia11 assumable home · median 6.48%
- 333Berkeley11 assumable home · median 2.99%
- 334Big Bear Lake11 assumable home · median 5.23%
- 335Biggs11 assumable home · median 2.88%
- 336Bradley11 assumable home · median 6.58%
- 337Brookdale11 assumable home · median 5.41%
- 338Buena Park11 assumable home · median 3.92%
- 339Butte Valley11 assumable home · median 3.08%
- 340Cabazon11 assumable home · median 2.78%
- 341Calabasas11 assumable home · median 3.00%
- 342Cambria11 assumable home · median 2.72%
- 343Campbell11 assumable home · median 3.04%
- 344Carmel11 assumable home · median 2.88%
- 345Castro Valley11 assumable home · median 2.87%
- 346Citrus Heights11 assumable home · median 2.86%
- 347Clayton11 assumable home · median 6.77%
- 348Coalinga11 assumable home · median 2.72%
- 349Copperopolis11 assumable home · median 2.86%
- 350Coulterville11 assumable home · median 4.20%
- 351Crockett11 assumable home · median 6.50%
- 352Cudahy11 assumable home · median 3.75%
- 353Cupertino11 assumable home · median 2.29%
- 354Descanso11 assumable home · median 3.00%
- 355Duarte11 assumable home · median 2.93%
- 356Durham11 assumable home · median 2.87%
- 357El Centro11 assumable home · median 4.37%
- 358El Cerrito11 assumable home · median 6.88%
- 359El Sobrante11 assumable home · median 2.70%
- 360Encinitas11 assumable home · median 6.58%
- 361Encino11 assumable home · median 4.22%
- 362Forest Ranch11 assumable home · median 6.32%
- 363Forestville11 assumable home · median 3.76%
- 364Fremont11 assumable home · median 3.64%
- 365Glenhaven11 assumable home · median 3.10%
- 366Grass Valley11 assumable home · median 6.31%
- 367Green Valley11 assumable home · median 3.02%
- 368Green Valley Lake11 assumable home · median 2.81%
- 369Greenfield11 assumable home · median 2.87%
- 370Grizzly Flats11 assumable home · median 6.19%
- 371Guadalupe11 assumable home · median 5.00%
- 372Harbor City11 assumable home · median 6.42%
- 373Heber11 assumable home · median 3.82%
- 374Kerman11 assumable home · median 2.81%
- 375La Habra Heights11 assumable home · median 6.62%
- 376La Palma11 assumable home · median 6.50%
- 377La Verne11 assumable home · median 2.80%
- 378Ladera Ranch11 assumable home · median 2.95%
- 379Laguna Hills11 assumable home · median 5.66%
- 380Lake Los Angeles11 assumable home · median 3.82%
- 381Lamont11 assumable home · median 5.78%
- 382Lebec11 assumable home · median 3.04%
- 383Lewiston11 assumable home · median 3.71%
- 384Lindsay11 assumable home · median 5.98%
- 385Live Oak11 assumable home · median 6.79%
- 386Livingston11 assumable home · median 5.12%
- 387Llano11 assumable home · median 4.14%
- 388Lodi11 assumable home · median 3.22%
- 389Los Alamitos11 assumable home · median 6.36%
- 390Los Molinos11 assumable home · median 2.81%
- 391Los Olivos11 assumable home · median 2.99%
- 392Lower Lake11 assumable home · median 6.16%
- 393Lynwood11 assumable home · median 2.72%
- 394Lytle Creek11 assumable home · median 6.26%
- 395Manhattan Beach11 assumable home · median 2.90%
- 396Marina del Rey11 assumable home · median 6.33%
- 397Menlo Park11 assumable home · median 2.77%
- 398Milpitas11 assumable home · median 7.06%
- 399Montague11 assumable home · median 5.30%
- 400Montclair11 assumable home · median 6.95%
- 401Moorpark11 assumable home · median 3.23%
- 402Moraga11 assumable home · median 3.90%
- 403Morongo Valley11 assumable home · median 6.88%
- 404Morro Bay11 assumable home · median 3.72%
- 405Murphys11 assumable home · median 3.43%
- 406Needles11 assumable home · median 6.17%
- 407Newark11 assumable home · median 6.47%
- 408Nice11 assumable home · median 3.15%
- 409North Tustin11 assumable home · median 3.54%
- 410Orland11 assumable home · median 5.88%
- 411Pacific Palisades11 assumable home · median 6.10%
- 412Palo Verde11 assumable home · median 6.78%
- 413Pasadena11 assumable home · median 6.60%
- 414Pearblossom11 assumable home · median 6.87%
- 415Penn Valley11 assumable home · median 5.25%
- 416Pine Valley11 assumable home · median 7.04%
- 417Pioneertown11 assumable home · median 2.73%
- 418Pismo Beach11 assumable home · median 2.99%
- 419Playa del Rey11 assumable home · median 6.69%
- 420Playa Vista11 assumable home · median 2.66%
- 421Pleasant Hill11 assumable home · median 3.51%
- 422Pleasanton11 assumable home · median 2.80%
- 423Porterville11 assumable home · median 5.52%
- 424Quartz Hill11 assumable home · median 4.45%
- 425Quincy11 assumable home · median 6.66%
- 426Redondo Beach11 assumable home · median 2.75%
- 427Ripon11 assumable home · median 3.58%
- 428Riverbank11 assumable home · median 5.30%
- 429Rodeo11 assumable home · median 2.90%
- 430Romoland11 assumable home · median 3.07%
- 431Roseville11 assumable home · median 3.21%
- 432San Ardo11 assumable home · median 6.86%
- 433San Clemente11 assumable home · median 5.75%
- 434San Fernando11 assumable home · median 4.44%
- 435San Juan Capistrano11 assumable home · median 3.45%
- 436Santa Barbara11 assumable home · median 2.81%
- 437Santa Clara11 assumable home · median 4.21%
- 438Santa Ysabel11 assumable home · median 2.87%
- 439Scotts Valley11 assumable home · median 3.18%
- 440Shafter11 assumable home · median 3.73%
- 441Signal Hill11 assumable home · median 3.13%
- 442Silverado11 assumable home · median 3.23%
- 443Solana Beach11 assumable home · median 4.07%
- 444Soledad11 assumable home · median 6.60%
- 445Soquel11 assumable home · median 6.90%
- 446Stevenson Ranch11 assumable home · median 6.49%
- 447Stratford11 assumable home · median 6.36%
- 448Studio City11 assumable home · median 3.50%
- 449Sugarloaf11 assumable home · median 6.92%
- 450Taft11 assumable home · median 6.74%
- 451Tarzana11 assumable home · median 2.25%
- 452Toluca Lake11 assumable home · median 2.95%
- 453Turlock11 assumable home · median 3.95%
- 454Twentynine Palms11 assumable home · median 4.83%
- 455Twin Peaks11 assumable home · median 7.50%
- 456Val Verde11 assumable home · median 6.81%
- 457Wasco11 assumable home · median 6.22%
- 458Watsonville11 assumable home · median 3.98%
- 459Westlake Village11 assumable home · median 3.69%
- 460Whitewater11 assumable home · median 6.71%
- 461Willits11 assumable home · median 2.96%
- 462Wilmington11 assumable home · median 5.89%
- 463Winters11 assumable home · median 6.14%
- 464Yreka11 assumable home · median 3.38%
- 465Yuba City11 assumable home · median 6.79%
Also covered in California, no verified assumable listings today:
- Agua Dulce
- 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
- Cameron Park
- 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
- Ceres
- Challenge
- Chester
- Chilcoot
- Chinese Camp
- Chualar
- City of Industry
- Clarksburg
- Clements
- Clio
- Clipper Mills
- Cloverdale
- Cobb
- Cohasset
- Cold Springs
- Colfax
- Colma
- Columbia
- Colusa
- Commerce
- Comptche
- Cool
- Corcoran
- 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
- Fair Oaks
- Fairfax
- Fall River Mills
- Farmersville
- Farmington
- Fellows
- Fiddletown
- Firebaugh
- Fish Camp
- Five Points
- Floriston
- Flournoy
- Folsom
- 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
- Greenbrae
- 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
- Lafayette
- Laguna Beach
- Laguna Woods
- Lake Almanor
- Lake Mathews
- Lake Sherwood
- Lakehead
- Laton
- Laytonville
- Le Grand
- Leggett
- Lincoln
- Linden
- Little River
- Loch Lomond
- Lockeford
- Loma Mar
- Loma Rica
- Lomita
- Lone Pine
- Long Barn
- Loomis
- 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
- Penryn
- Pescadero
- Petaluma
- Philo
- Piedmont
- Pilot Hill
- Pine Grove
- Pinecrest
- Pinedale
- Pinole
- Piñon Hills
- Pioneer
- Piru
- Pixley
- Placerville
- Planada
- Platina
- 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 Murieta
- Rancho Santa Fe
- Randsburg
- Ravendale
- Raymond
- Redwood Valley
- Reedley
- Rescue
- Richgrove
- Richvale
- Rimforest
- Rio Linda
- 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 Monica
- 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
- 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
- Waterford
- Wawona
- Weaverville
- Weed
- Weldon
- West Point
- West Sacramento
- Westley
- Westminster
- Westmorland
- Westport
- Westwood
- Wheatland
- Whitethorn
- Whitmore
- Williams
- Willow Springs
- Wilseyville
- Wilton
- Windsor
- Winterhaven
- Winton
- Wishon
- Woodbridge
- Woodlake
- Woodland
- 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 4,152 homes for sale with an assumable mortgage as of October 2026: 2,530 FHA loans and 1,622 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 2.10% with a median of 5.13%; 1,688 listings are under 4% and 2,006 are under 5%.
The median assumable home in California lists for $582,450, with a median of $174,779 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 $2,334 a month versus $3,137 for the same balance at today's rate, roughly $802 kept every month and $9,629 a year. The deepest California inventory is in San Diego (241), Los Angeles (131), Victorville (101), Hemet (95), and Lancaster (95).
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 4,152 on the map Homes on the marketacross California.
FHATop pick
Active
$460,000Potential short sale
- Rate
- 3.10%
7.32%today- Payment
- $2,182/mo
$3,511today
- 4beds
- 3baths
- 2,050sqft
5840 Almond Valley Way, Lancaster
VATop pick
Active
39$470,000$23,091 equity gap
- Rate
- 3.12%
7.32%today- Payment
- $2,124/mo
$3,408today
- 3beds
- 2baths
- 1,699sqft
33200 Benner Street, Lake Elsinore
FHATop pick
Active
35$2,250,000$83,083 equity gap
- Rate
- 3.21%
7.32%today- Payment
- $10,825/mo
$17,173today
- —beds
- —baths
- 5,263sqft
4812 Saturn Street, Los Angeles
VATop pick
Active
13$530,000$50,497 equity gap
- Rate
- 2.79%
7.32%today- Payment
- $2,253/mo
$3,772today
- 4beds
- 3baths
- 2,332sqft
6750 Oak Hill Road, Oak Hills
VATop pick
Active
22$620,000$54,798 equity gap
- Rate
- 2.88%
7.32%today- Payment
- $2,616/mo
$4,328today
- 4beds
- 3baths
- 1,872sqft
7258 Medley Lane, Fontana
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
- 4,152
- UMe Certified / verified
- 0
- Lowest rate
- 2.10%
- Median rate
- 5.13%
- Median list price
- $582,450
- Median cash to assume
- $174,779
California listings by locked rate
- Under 4%1,688 homes
- 4% – 5%318 homes
- 5% – 6%307 homes
- 6% and up1,818 homes
California listings by loan type
- FHA2,530 homesmedian 5.70%
- VA1,622 homesmedian 3.92%
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: $582,450 list price and a 5.13% 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)$170,000
29% 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
$2,387/mo
New loan at 7.20%$2,783
Assumed at 5.15%
$2,387
Every month$396
Over five years$23,760
Interest you never pay$257,13526-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 $174,779 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 4,152 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 (2,530, median 5.70%) and VA (1,622, median 3.92%). 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 2.10%, and the median across all 4,152 listings is 5.13%. 1,688 listings are under 4% and 2,006 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 $2,334 per month versus $3,137 for the same balance at today's rates, a difference of about $802 every month, or $9,629 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 $174,779 on a median list price of $582,450. 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 (241), Los Angeles (131), Victorville (101), Hemet (95), and Lancaster (95). 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.