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Assumable homes for sale in El Cajon, CA

200 homesVA & FHA loansrates from 2.66% vs 7.40% today

El Cajon assumption guide
9457 Carlton Oaks Drive #B, Santee, CA, 92071 — assumable VA mortgage at 2.87%
VA
Active
34
$549,000$85,202 equity gap
Rate
2.87%
7.40%today
Payment
$2,163/mo
$3,612today
  • 3beds
  • 2baths
  • 1,180sqft

9457 Carlton Oaks Drive #B, Santee

3555 Helix St, Spring Valley, CA, 91977 — assumable FHA mortgage at 2.87%
FHA
Active
26
$699,000$102,033 equity gap
Rate
2.87%
7.40%today
Payment
$2,850/mo
$4,759today
  • 4beds
  • 3baths
  • 2,057sqft

3555 Helix St, Spring Valley

1312 Hawk Lane, El Cajon, CA, 92020 — assumable FHA mortgage at 2.88%
FHA
Active
39
$609,900$114,253 equity gap
Rate
2.88%
7.40%today
Payment
$2,325/mo
$3,877today
  • 3beds
  • 3baths
  • 1,424sqft

1312 Hawk Lane, El Cajon

5980 Dandridge Lane #225, San Diego, CA, 92115 — assumable VA mortgage at 2.88%
VA
Active
33
$350,000$62,190 equity gap
Rate
2.88%
7.40%today
Payment
$1,338/mo
$2,231today
  • 1beds
  • 1baths
  • 724sqft

5980 Dandridge Lane #225, San Diego

6333 College Grove Way #11103, San Diego, CA, 92115 — assumable FHA mortgage at 3.09%
FHA
Active
26
$449,000$56,869 equity gap
Rate
3.09%
7.40%today
Payment
$1,862/mo
$3,022today
  • 3beds
  • 2baths
  • 1,024sqft

6333 College Grove Way #11103, San Diego

1617 La Presa Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 3.09%
VA
Active
21
$800,000$92,673 equity gap
Rate
3.09%
7.40%today
Payment
$3,358/mo
$5,452today
  • 3beds
  • 3baths
  • 1,646sqft

1617 La Presa Avenue, Spring Valley

1045 Peach Avenue #8, El Cajon, CA, 92021 — assumable VA mortgage at 3.10%
VA
Active
9
$299,000$55,879 equity gap
Rate
3.10%
7.40%today
Payment
$1,153/mo
$1,869today
  • 1beds
  • 1baths
  • 721sqft

1045 Peach Avenue #8, El Cajon

9512 Date St., Spring Valley, CA, 91977 — assumable VA mortgage at 3.18%
VA
Active
49
$759,000$132,534 equity gap
Rate
3.18%
7.40%today
Payment
$3,050/mo
$4,895today
  • 3beds
  • 2baths
  • 1,307sqft

9512 Date St., Spring Valley

5710 Greycourt, San Diego, CA, 92114 — assumable VA mortgage at 3.76%
VA
Active
26
$779,900$30,874 equity gap
Rate
3.76%
7.40%today
Payment
$3,795/mo
$5,666today
  • 3beds
  • 2baths
  • 1,401sqft

5710 Greycourt, San Diego

344 Stillwater Court, Santee, CA, 92071 — assumable FHA mortgage at 1.00%
FHA
Active
21
$659,000$197,906 equity gap
Rate
1.00%
7.40%today
Payment
$1,728/mo
$3,719today
  • 2beds
  • 3baths
  • 1,368sqft

344 Stillwater Court, Santee

2110 Via Corina, Alpine, CA, 91901 — assumable VA mortgage at 2.66%
VA
Active
74
$910,000$221,967 equity gap
Rate
2.66%
7.40%today
Payment
$3,188/mo
$5,470today
  • 3beds
  • 2baths
  • 1,584sqft

2110 Via Corina, Alpine

930 Waterloo Ave, El Cajon, CA, 92019 — assumable VA mortgage at 2.67%
VA
Active
24
$775,000$227,525 equity gap
Rate
2.67%
7.40%today
Payment
$2,545/mo
$4,362today
  • 4beds
  • 2baths
  • 1,710sqft

930 Waterloo Ave, El Cajon

7940 University Avenue #34, La Mesa, CA, 91942 — assumable VA mortgage at 2.68%
VA
Active
12
$420,000$104,340 equity gap
Rate
2.68%
7.40%today
Payment
$1,469/mo
$2,514today
  • 2beds
  • 2baths
  • 990sqft

7940 University Avenue #34, La Mesa

8840 Milburn Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 2.79%
VA
Active
40
$825,000$226,344 equity gap
Rate
2.79%
7.40%today
Payment
$2,774/mo
$4,680today
  • 5beds
  • 3baths
  • 2,148sqft

8840 Milburn Avenue, Spring Valley

930 Peach Avenue #17, El Cajon, CA, 92021 — assumable VA mortgage at 2.86%
VA
Active
25
$310,000$69,415 equity gap
Rate
2.86%
7.40%today
Payment
$1,118/mo
$1,870today
  • 1beds
  • 1baths
  • 625sqft

930 Peach Avenue #17, El Cajon

7890 Bushwood Court, Lemon Grove, CA, 91945 — assumable FHA mortgage at 2.875%
FHA
Active
68
$815,000$237,135 equity gap
Rate
2.875%
7.40%today
Payment
$2,709/mo
$4,521today
  • 4beds
  • 2baths
  • 1,686sqft

7890 Bushwood Court, Lemon Grove

1227 Cuyamaca Ave, Spring Valley, CA, 91977 — assumable VA mortgage at 2.93%
VA
Active
23
$840,000$205,597 equity gap
Rate
2.93%
7.40%today
Payment
$2,992/mo
$4,958today
  • 4beds
  • 3baths
  • 2,298sqft

1227 Cuyamaca Ave, Spring Valley

10160 Brightwood Ln #1, Santee, CA, 92071 — assumable FHA mortgage at 2.96%
FHA
Active
23
$599,900$141,932 equity gap
Rate
2.96%
7.40%today
Payment
$2,162/mo
$3,569today
  • 2beds
  • 3baths
  • 1,190sqft

10160 Brightwood Ln #1, Santee

6363 Rancho Mission Rd. Road #4, San Diego, CA, 92108 — assumable FHA mortgage at 2.98%
FHA
Active
44
$560,000$131,787 equity gap
Rate
2.98%
7.40%today
Payment
$2,035/mo
$3,351today
  • 2beds
  • 2baths
  • 1,349sqft

6363 Rancho Mission Rd. Road #4, San Diego

3215 44th Street #11, San Diego, CA, 92105 — assumable VA mortgage at 2.98%
VA
Active
16
$380,000$98,397 equity gap
Rate
2.98%
7.40%today
Payment
$1,327/mo
$2,184today
  • 2beds
  • 1baths
  • 770sqft

3215 44th Street #11, San Diego

405 61st Street, San Diego, CA, 92114 — assumable VA mortgage at 3.05%
VA
Active
41
$699,900$148,863 equity gap
Rate
3.05%
7.40%today
Payment
$2,604/mo
$4,250today
  • 3beds
  • 3baths
  • 1,400sqft

405 61st Street, San Diego

910 Saint George, Spring Valley, CA, 91977 — assumable FHA mortgage at 3.05%
FHA
Active
35
$735,000$178,453 equity gap
Rate
3.05%
7.40%today
Payment
$2,625/mo
$4,283today
  • 4beds
  • 2baths
  • 1,221sqft

910 Saint George, Spring Valley

3631 Lemona #D, San Diego, CA, 92105 — assumable VA mortgage at 3.85%
VA
Active
22
$399,900$21,195 equity gap
Rate
3.85%
7.40%today
Payment
$1,937/mo
$2,861today
  • 2beds
  • 2baths
  • 1,120sqft

3631 Lemona #D, San Diego

5162 Catoctin Dr, San Diego, CA, 92115 — assumable VA mortgage at 3.75%
VA
Active
45
$1,090,000$193,201 equity gap
Rate
3.75%
7.40%today
Payment
$4,539/mo
$6,785today
  • 3beds
  • 3baths
  • 1,947sqft

5162 Catoctin Dr, San Diego

5442 Adobe Falls #5, San Diego, CA, 92120 — assumable VA mortgage at 2.67%
VA
Active
35
$449,000$171,769 equity gap
Rate
2.67%
7.40%today
Payment
$1,286/mo
$2,204today
  • 2beds
  • 2baths
  • 884sqft

5442 Adobe Falls #5, San Diego

1210 Pine Drive, El Cajon, CA, 92020 — assumable VA mortgage at 2.73%
VA
Active
51
$950,000$315,970 equity gap
Rate
2.73%
7.40%today
Payment
$2,953/mo
$5,021today
  • 3beds
  • 3baths
  • 2,412sqft

1210 Pine Drive, El Cajon

10432 Timberlane Way, Santee, CA, 92071 — assumable VA mortgage at 2.75%
VA
Active
62
$899,000$314,248 equity gap
Rate
2.75%
7.40%today
Payment
$2,756/mo
$4,674today
  • 3beds
  • 2baths
  • 1,544sqft

10432 Timberlane Way, Santee

528 Carlsbad Street, Spring Valley, CA, 91977 — assumable VA mortgage at 2.77%
VA
Active
23
$625,000$234,306 equity gap
Rate
2.77%
7.40%today
Payment
$1,802/mo
$3,049today
  • 3beds
  • 2baths
  • 1,056sqft

528 Carlsbad Street, Spring Valley

12386 Single Oak Place, Lakeside, CA, 92040 — assumable VA mortgage at 2.78%
VA
Active
75
$1,695,000$535,346 equity gap
Rate
2.78%
7.40%today
Payment
$5,343/mo
$9,026today
  • 4beds
  • 3baths
  • 3,975sqft

12386 Single Oak Place, Lakeside

3655 44th St., San Diego, CA, 92105 — assumable FHA mortgage at 2.81%
FHA
Active
29
$845,000$240,441 equity gap
Rate
2.81%
7.40%today
Payment
$2,827/mo
$4,758today
  • —beds
  • —baths
  • —sqft

3655 44th St., San Diego

10715 Caminito Cascara, San Diego, CA, 92108 — assumable VA mortgage at 2.86%
VA
Active
35
$649,999$245,444 equity gap
Rate
2.86%
7.40%today
Payment
$1,934/mo
$3,233today
  • 3beds
  • 2baths
  • 1,334sqft

10715 Caminito Cascara, San Diego

11937 Royal Road #B, El Cajon, CA, 92021 — assumable FHA mortgage at 2.88%
FHA
Active
5
$499,999$177,378 equity gap
Rate
2.88%
7.40%today
Payment
$1,500/mo
$2,501today
  • 3beds
  • 2baths
  • 1,323sqft

11937 Royal Road #B, El Cajon

9745 Saint George, Spring Valley, CA, 91977 — assumable VA mortgage at 2.97%
VA
Active
25
$689,000$223,323 equity gap
Rate
2.97%
7.40%today
Payment
$2,226/mo
$3,670today
  • 4beds
  • 3baths
  • 1,665sqft

9745 Saint George, Spring Valley

9209 Lakeview Terrace, Lakeside, CA, 92040 — assumable VA mortgage at 3.00%
VA
Active
39
$819,900$284,260 equity gap
Rate
3.00%
7.40%today
Payment
$2,534/mo
$4,162today
  • 3beds
  • 2baths
  • 1,750sqft

9209 Lakeview Terrace, Lakeside

1604 Presioca Street #11, Spring Valley, CA, 91977 — assumable VA mortgage at 3.06%
VA
Active
33
$434,000$142,430 equity gap
Rate
3.06%
7.40%today
Payment
$1,401/mo
$2,283today
  • 2beds
  • 2baths
  • 1,036sqft

1604 Presioca Street #11, Spring Valley

425 Meadowbrook Dr #123, San Diego, CA, 92114 — assumable VA mortgage at 3.08%
VA
Active
44
$699,900$229,580 equity gap
Rate
3.08%
7.40%today
Payment
$2,270/mo
$3,690today
  • 3beds
  • 3baths
  • 1,535sqft

425 Meadowbrook Dr #123, San Diego

Assuming a mortgage in El Cajon

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.66%
Lowest existing payment
$458 /mo
Median cash to assume
$138,662
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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