3.06% FHA
$399,999
$1,835/mo
2267 Lavender Place
Rio Vista, CA
2 bd2 ba1,686 sqft
Rio Vista, California
Keep the rate.
Buy the home in Rio Vista.
9 assumable homes for sale in Rio Vista, with locked rates from 2.67%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.33%
vs 7.2% market
$812/mo saved
Median locked rate
6.33%
Across 9 assumable listings
Typical monthly savings
$812
On a $479,000 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 Rio Vista
Homes with a rate worth keeping
2.88% FHA
$695,000
$3,139/mo
182 Willowrun Way
Oakley, CA
4 bd4 ba2,723 sqft
2.87% FHA
$599,000
$2,443/mo
4239 Sequoia Drive
Oakley, CA
3 bd2 ba1,571 sqft
2.96% VA
$547,000
$2,275/mo
487 Anvilwood Dr
Oakley, CA
3 bd2 ba1,607 sqft
3.51% FHA
$675,000
$3,378/mo
4517 Goode St
Antioch, CA
4 bd3 ba2,035 sqft
3.25% FHA
$429,000
$1,837/mo
1010 4Th St
Antioch, CA
3 bd1 ba828 sqft
Inventory snapshot
What’s assumable in Rio Vista right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 9
- Certified / verified
- 0
- Lowest rate
- 2.67%
- Median rate
- 6.33%
- Median list price
- $479,000
- Median cash to assume
- $36,867
Listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up5 homes
Listings by loan type
- VA5 homesmedian 4.00%
- FHA4 homesmedian 6.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Rio Vista 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 Rio Vista.
A 7.2% new loan against an assumable one at 6.33%, same balance, 30 years.
You keep every month
$222/mo
Over a year$2,666
Monthly payment, side by side
7.2% vs 6.33%
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 Rio Vista
Numbers below come from current Rio Vista inventory and update as listings change.
- How many assumable homes are for sale in Rio Vista?
- As of September 2026, UMe tracks 9 active assumable listings in Rio Vista. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Rio Vista?
- Current Rio Vista inventory breaks down as VA (5, median 4.00%) and FHA (4, median 6.99%). 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 Rio Vista right now?
- The lowest rate on an active Rio Vista assumable listing is 2.67%, and the median across all 9 listings is 6.33%. 3 listings are under 4% and 4 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 Rio Vista?
- Across current Rio Vista listings, the median principal-and-interest payment on the assumable loan is $2,214 per month versus $3,026 for the same balance at today's rates, a difference of about $812 every month, or $9,741 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 Rio Vista?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Rio Vista that gap is currently a median of $36,867 on a median list price of $479,000. 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 Rio Vista ZIP codes have the most assumable homes?
- The Rio Vista ZIP codes with the most active assumable listings are 94571 (9). 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 Rio Vista?
- 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 Rio Vista.
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.
