2.90% VA
$370,000
$1,339/mo
7515 Pinon Drive
Yucca Valley, CA
3 bd2 ba1,726 sqft
Morongo Valley, California
Keep the rate.
Buy the home in Morongo Valley.
2 assumable homes for sale in Morongo Valley, with locked rates from 3.43%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.33%
vs 7.2% market
$476/mo saved
Median locked rate
4.33%
Across 2 assumable listings
Typical monthly savings
$476
On a $357,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Morongo Valley
Homes with a rate worth keeping
2.96% FHA
$294,000
$1,030/mo
7798 Acoma Trail
Yucca Valley, CA
2 bd1 ba1,198 sqft
3.01% FHA
$449,000
$1,347/mo
64159 Silver Star
Desert Hot Springs, CA
3 bd2 ba2,229 sqft
3.07% FHA
$345,000
$1,121/mo
15705 Via Vista
Desert Hot Springs, CA
3 bd1 ba998 sqft
2.80% FHA
$75,000
$1,173/mo
9651 Spyglass Avenue
Desert Hot Springs, CA
1 bd1 ba565 sqft
4.98% FHA
$375,000
$2,051/mo
12735 Avenida Alta Loma
Desert Hot Springs, CA
3 bd2 ba1,624 sqft
Inventory snapshot
What’s assumable in Morongo Valley right now
Live counts from the MLS feeds we index for California. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 3.43%
- Median rate
- 4.33%
- Median list price
- $357,500
- Median cash to assume
- $123,786
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Listings by loan type
- FHA2 homesmedian 4.33%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Morongo Valley ZIP code
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 Morongo Valley.
A 7.2% new loan against an assumable one at 4.33%, same balance, 30 years.
You keep every month
$525/mo
Over a year$6,295
Monthly payment, side by side
7.2% vs 4.33%
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 Morongo Valley
Numbers below come from current Morongo Valley inventory and update as listings change.
- How many assumable homes are for sale in Morongo Valley?
- As of August 2026, UMe tracks 2 active assumable listings in Morongo Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Morongo Valley?
- Current Morongo Valley inventory breaks down as FHA (2, median 4.33%). 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 Morongo Valley right now?
- The lowest rate on an active Morongo Valley assumable listing is 3.43%, and the median across all 2 listings is 4.33%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Morongo Valley?
- Across current Morongo Valley listings, the median principal-and-interest payment on the assumable loan is $1,347 per month versus $1,823 for the same balance at today's rates, a difference of about $476 every month, or $5,714 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 Morongo Valley?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Morongo Valley that gap is currently a median of $123,786 on a median list price of $357,500. 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 Morongo Valley ZIP codes have the most assumable homes?
- The Morongo Valley ZIP codes with the most active assumable listings are 92256 (2). 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 Morongo Valley?
- 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 Morongo Valley.
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.
