2.20% VA
$499,999
$3,332/mo
80861 Calle Azul
La Quinta, CA
2 bd2 ba1,371 sqft
Indian Wells, California
Keep the rate.
Buy the home in Indian Wells.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Indian Wells.
Avg. assumable rate
2.90%
vs 7.2% market
$933/mo saved
Average locked rate
2.90%
Across 6 assumable listings
Typical monthly savings
$933
On a $443,566 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Indian Wells
Homes with a rate worth keeping
2.98% VA
$613,000
$2,103/mo
82796 Mount Riley Drive
Indio, CA
5 bd5 ba3,269 sqft
2.98% VA
$348,500
$1,307/mo
259 Desert Falls Drive
Palm Desert, CA
2 bd2 ba1,330 sqft
3.04% FHA
$314,900
$1,165/mo
47395 Monroe Street
Indio, CA
3 bd2 ba1,241 sqft
3.07% VA
$499,999
$1,646/mo
73854 Seven Springs Drive
Palm Desert, CA
2 bd2 ba1,800 sqft
3.10% FHA
$385,000
$1,380/mo
48944 Desert Flower
Palm Desert, CA
3 bd2 ba1,348 sqft
Nearby markets
More assumable homes in California
- San Diego257
- Los Angeles124
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale81
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Stockton40
- Sacramento39
- Beaumont37
- Moreno Valley37
Run your numbers
The cost of waiting in Indian Wells.
A 7.2% new loan against an assumable one at 2.90%, same balance, 30 years.
You keep every month
$935/mo
Over a year$11,216
Monthly payment, side by side
7.2% vs 2.90%
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 Indian Wells
Numbers below come from current Indian Wells inventory and update as listings change.
- Are there assumable homes for sale in Indian Wells?
- As of September 2026, there are no verified assumable listings in Indian Wells. New assumable homes appear every week across California; save a search on the map and we will email you when one lands in Indian Wells.
- What types of loans can be assumed in Indian Wells?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in California. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Indian Wells?
- 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 Indian Wells.
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.
