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Assumable homes for sale in El Cajon, CA

20 homesVA & FHA loansrates from 2.73% vs 7.40% today

El Cajon assumption guide
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

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

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

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

1105 Nidrah Street, El Cajon, CA, 92020 — assumable VA mortgage at 3.13%
VA
Active
57
$839,000$305,627 equity gap
Rate
3.13%
7.40%today
Payment
$2,636/mo
$4,258today
  • 5beds
  • 2baths
  • 1,722sqft

1105 Nidrah Street, El Cajon

587 BROCKWOOD DR, El Cajon, CA, 92021 — assumable FHA mortgage at 2.95%
FHA
Active
29
$799,900$367,058 equity gap
Rate
2.95%
7.40%today
Payment
$2,046/mo
$3,382today
  • 4beds
  • 2baths
  • 1,700sqft

587 BROCKWOOD DR, El Cajon

1248 Denver Lane #E, El Cajon, CA, 92021 — assumable VA mortgage at 2.98%
VA
Active
31
$499,999$225,558 equity gap
Rate
2.98%
7.40%today
Payment
$1,385/mo
$2,200today
  • 3beds
  • 2baths
  • 1,116sqft

1248 Denver Lane #E, El Cajon

293 Indiana Ave, El Cajon, CA, 92020 — assumable FHA mortgage at 3.80%
FHA
Active
25
$670,000$394,573 equity gap
Rate
3.80%
7.40%today
Payment
$1,729/mo
$2,570today
  • 3beds
  • 3baths
  • 1,825sqft

293 Indiana Ave, El Cajon

1178 Eucalyptus Dr, El Cajon, CA, 92020 — assumable FHA mortgage at 4.18%
FHA
Active
31
$900,000$476,183 equity gap
Rate
4.18%
7.40%today
Payment
$2,419/mo
$3,433today
  • 3beds
  • 2baths
  • 1,501sqft

1178 Eucalyptus Dr, El Cajon

225 Renette Ave, El Cajon, CA, 92020 — assumable VA mortgage at 6.32%
VA
Active
28
$739,000$31,024 equity gap
Rate
6.32%
7.40%today
Payment
$4,587/mo
$5,121today
  • 3beds
  • 2baths
  • 1,508sqft

225 Renette Ave, El Cajon

1025 Estes Street #12, El Cajon, CA, 92020 — assumable VA mortgage at 6.32%
VA
Active
24
$425,951$4,456 equity gap
Rate
6.32%
7.40%today
Payment
$2,725/mo
$3,041today
  • 2beds
  • 2baths
  • 940sqft

1025 Estes Street #12, El Cajon

5931 Howell Drive #7, La Mesa, CA, 91942 — assumable VA mortgage at 6.39%
VA
Active
26
$369,999$16,521 equity gap
Rate
6.39%
7.40%today
Payment
$2,298/mo
$2,546today
  • 1beds
  • 1baths
  • 576sqft

5931 Howell Drive #7, La Mesa

310 Sun Court, El Cajon, CA, 92021 — assumable VA mortgage at 6.90%
VA
Active
39
$510,000$5,867 equity gap
Rate
6.90%
7.40%today
Payment
$3,431/mo
$3,607today
  • 3beds
  • 2baths
  • 1,136sqft

310 Sun Court, El Cajon

274 Vermont Court, El Cajon, CA, 92020 — assumable FHA mortgage at 6.49%
FHA
Active
24
$715,000$52,453 equity gap
Rate
6.49%
7.40%today
Payment
$4,278/mo
$4,691today
  • 3beds
  • 3baths
  • 1,817sqft

274 Vermont Court, El Cajon

1437 Robin, El Cajon, CA, 92020 — assumable FHA mortgage at 6.60%
FHA
Active
12
$640,000$74,463 equity gap
Rate
6.60%
7.40%today
Payment
$3,756/mo
$4,072today
  • 3beds
  • 3baths
  • 1,424sqft

1437 Robin, El Cajon

589 Johnson Ave #247, El Cajon, CA, 92020 — assumable VA mortgage at 6.48%
VA
Active
11
$367,000Potential short sale
Rate
6.48%
7.40%today
Payment
$2,813/mo
$3,088today
  • 2beds
  • 2baths
  • 896sqft

589 Johnson Ave #247, El Cajon

252 Vermont Court, El Cajon, CA, 92020 — assumable VA mortgage at 6.50%
VA
Active
46
$718,000$718,000 equity gap
Rate
6.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,813sqft

252 Vermont Court, El Cajon

467 Ballantyne St #47, El Cajon, CA, 92020 — assumable VA mortgage at 6.78%
VA
Active
15
$295,000Potential short sale
Rate
6.78%
7.40%today
Payment
$2,342/mo
$2,493today
  • 1beds
  • 1baths
  • 710sqft

467 Ballantyne St #47, El Cajon

1045 Peach Ave #50, El Cajon, CA, 92021 — assumable VA mortgage at 6.92%
VA
Active
50
$399,900Potential short sale
Rate
6.92%
7.40%today
Payment
$3,240/mo
$3,399today
  • 2beds
  • 2baths
  • 1,100sqft

1045 Peach Ave #50, El Cajon

888 Cherrywood Way #14, El Cajon, CA, 92021 — assumable FHA mortgage at 7.04%
FHA
Active
16
$405,000$385,210 equity gap
Rate
7.04%
7.40%today
Payment
$138/mo
$142today
  • 2beds
  • 3baths
  • 1,024sqft

888 Cherrywood Way #14, El Cajon

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
2.73%
Lowest existing payment
$1,118 /mo
Median cash to assume
$114,253
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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