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Assumable homes for sale in Laguna Beach, CA

39 homesFHA & VA loansrates from 2.73% vs 7.32% today

Laguna Beach assumption guide
31911 Via Flores #27, San Juan Capistrano, CA, 92675 — assumable VA mortgage at 3.45%
VA
Active
65
$1,199,900$281,467 equity gap
Rate
3.45%
7.32%today
Payment
$4,508/mo
$6,939today
  • 3beds
  • 2baths
  • 1,646sqft

31911 Via Flores #27, San Juan Capistrano

21946 Lakeland, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.91%
FHA
Active
45
$690,000$246,160 equity gap
Rate
2.91%
7.32%today
Payment
$2,128/mo
$3,507today
  • 3beds
  • 2baths
  • 1,392sqft

21946 Lakeland, Lake Forest

27322 Via Rioja, Mission Viejo, CA, 92691 — assumable VA mortgage at 3.11%
VA
Active
37
$1,699,000$598,091 equity gap
Rate
3.11%
7.32%today
Payment
$5,215/mo
$8,379today
  • 4beds
  • 3baths
  • 2,230sqft

27322 Via Rioja, Mission Viejo

300 Cagney #111, Newport Beach, CA, 92663 — assumable FHA mortgage at 2.73%
FHA
Active
9
$585,000$258,524 equity gap
Rate
2.73%
7.32%today
Payment
$1,521/mo
$2,565today
  • 1beds
  • 1baths
  • 561sqft

300 Cagney #111, Newport Beach

11 Barbados Drive, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.77%
VA
Active
57
$1,240,000$605,005 equity gap
Rate
2.77%
7.32%today
Payment
$2,929/mo
$4,916today
  • 3beds
  • 3baths
  • 1,561sqft

11 Barbados Drive, Aliso Viejo

27711 Golondrina, Mission Viejo, CA, 92692 — assumable FHA mortgage at 2.79%
FHA
Active
47
$1,249,995$693,626 equity gap
Rate
2.79%
7.32%today
Payment
$2,572/mo
$4,306today
  • 3beds
  • 2baths
  • 1,470sqft

27711 Golondrina, Mission Viejo

48 Calle Del Norte, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.83%
FHA
Active
54
$1,149,999$515,388 equity gap
Rate
2.83%
7.32%today
Payment
$3,009/mo
$5,011today
  • 3beds
  • 3baths
  • 2,195sqft

48 Calle Del Norte, Rancho Santa Margarita

32241 Ridgeway, Laguna Niguel, CA, 92677 — assumable VA mortgage at 2.87%
VA
Active
27
$2,050,000$1,954,445 equity gap
Rate
2.87%
7.32%today
Payment
$456/mo
$756today
  • 4beds
  • 3baths
  • 2,614sqft

32241 Ridgeway, Laguna Niguel

28149 Manchuca, Mission Viejo, CA, 92692 — assumable VA mortgage at 2.98%
VA
Active
75
$979,999$519,495 equity gap
Rate
2.98%
7.32%today
Payment
$2,179/mo
$3,559today
  • 2beds
  • 2baths
  • 1,527sqft

28149 Manchuca, Mission Viejo

26392 Cortina Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 2.99%
VA
Active
55
$1,298,000$634,554 equity gap
Rate
2.99%
7.32%today
Payment
$3,223/mo
$5,259today
  • 4beds
  • 2baths
  • 1,924sqft

26392 Cortina Drive, Mission Viejo

87 Fuente, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.00%
FHA
Active
36
$999,900$999,900 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,687sqft

87 Fuente, Rancho Santa Margarita

25933 Via Pera #A3, Mission Viejo, CA, 92691 — assumable FHA mortgage at 3.15%
FHA
Active
27
$599,999$255,769 equity gap
Rate
3.15%
7.32%today
Payment
$1,709/mo
$2,732today
  • 2beds
  • 2baths
  • 1,024sqft

25933 Via Pera #A3, Mission Viejo

200 McNeil Lane #211, Newport Beach, CA, 92663 — assumable FHA mortgage at 5.11%
FHA
Active
75
$485,000$4,455 equity gap
Rate
5.11%
7.32%today
Payment
$2,799/mo
$3,538today
  • 1beds
  • 1baths
  • 561sqft

200 McNeil Lane #211, Newport Beach

9 Bahari, Rancho Mission Viejo, CA, 92694 — assumable VA mortgage at 3.36%
VA
Active
56
$1,599,000$1,269,956 equity gap
Rate
3.36%
7.32%today
Payment
$1,681/mo
$2,617today
  • 3beds
  • 2baths
  • 1,937sqft

9 Bahari, Rancho Mission Viejo

12 Willowbrook Ln, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.64%
FHA
Active
15
$1,040,000$468,375 equity gap
Rate
3.64%
7.32%today
Payment
$3,033/mo
$4,560today
  • 3beds
  • 3baths
  • 1,470sqft

12 Willowbrook Ln, Rancho Santa Margarita

30 Vivido Street, Rancho Mission Viejo, CA, 92694 — assumable VA mortgage at 3.69%
VA
Active
70
$2,195,000$1,777,116 equity gap
Rate
3.69%
7.32%today
Payment
$2,592/mo
$3,873today
  • 4beds
  • 4baths
  • 2,707sqft

30 Vivido Street, Rancho Mission Viejo

25012 Woodridge, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.85%
FHA
Active
75
$1,299,000$736,682 equity gap
Rate
3.85%
7.32%today
Payment
$2,994/mo
$4,388today
  • 4beds
  • 3baths
  • 2,777sqft

25012 Woodridge, Lake Forest

17 Colonial Drive, Newport Beach, CA, 92660 — assumable FHA mortgage at 3.85%
FHA
Active
41
$5,495,000$3,199,625 equity gap
Rate
3.85%
7.32%today
Payment
$11,720/mo
$17,173today
  • 5beds
  • 4baths
  • 3,510sqft

17 Colonial Drive, Newport Beach

503 Harbor Woods Place, Newport Beach, CA, 92660 — assumable VA mortgage at 4.06%
VA
Active
12
$919,800$413,490 equity gap
Rate
4.06%
7.32%today
Payment
$2,831/mo
$4,045today
  • 2beds
  • 1baths
  • 900sqft

503 Harbor Woods Place, Newport Beach

27942 Via Janeiro, Laguna Niguel, CA, 92677 — assumable FHA mortgage at 4.20%
FHA
Active
2
$560,000$285,418 equity gap
Rate
4.20%
7.32%today
Payment
$1,671/mo
$2,347today
  • 1beds
  • 1baths
  • 861sqft

27942 Via Janeiro, Laguna Niguel

27081 Sombras, Mission Viejo, CA, 92692 — assumable FHA mortgage at 4.41%
FHA
Active
26
$1,299,999$717,359 equity gap
Rate
4.41%
7.32%today
Payment
$3,392/mo
$4,647today
  • 4beds
  • 2baths
  • 1,472sqft

27081 Sombras, Mission Viejo

26821 Estanciero Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 5.30%
VA
Active
26
$1,400,000$322,939 equity gap
Rate
5.30%
7.32%today
Payment
$6,386/mo
$7,900today
  • 4beds
  • 3baths
  • 1,875sqft

26821 Estanciero Drive, Mission Viejo

23298 Orange #4, Lake Forest, CA, 92630 — assumable FHA mortgage at 6.09%
FHA
Active
7
$375,000$23,168 equity gap
Rate
6.09%
7.32%today
Payment
$2,229/mo
$2,529today
  • 1beds
  • 1baths
  • 685sqft

23298 Orange #4, Lake Forest

22625 Wood Shadow, Lake Forest, CA, 92630 — assumable VA mortgage at 6.32%
VA
Active
43
$1,379,000$104,713 equity gap
Rate
6.32%
7.32%today
Payment
$8,237/mo
$9,122today
  • 5beds
  • 3baths
  • 2,963sqft

22625 Wood Shadow, Lake Forest

22681 Oakgrove #426, Aliso Viejo, CA, 92656 — assumable FHA mortgage at 6.82%
FHA
Active
36
$665,000$47,957 equity gap
Rate
6.82%
7.32%today
Payment
$4,137/mo
$4,350today
  • 2beds
  • 2baths
  • 1,007sqft

22681 Oakgrove #426, Aliso Viejo

27 Palm Beach Court, Dana Point, CA, 92629 — assumable VA mortgage at 6.34%
VA
Active
39
$2,499,000$387,524 equity gap
Rate
6.34%
7.32%today
Payment
$13,238/mo
$14,630today
  • 3beds
  • 3baths
  • 2,472sqft

27 Palm Beach Court, Dana Point

23455 El Reposa, Aliso Viejo, CA, 92656 — assumable VA mortgage at 6.62%
VA
Active
35
$720,000$87,121 equity gap
Rate
6.62%
7.32%today
Payment
$4,170/mo
$4,476today
  • 3beds
  • 2baths
  • 1,240sqft

23455 El Reposa, Aliso Viejo

27916 Via Del Agua, Laguna Niguel, CA, 92677 — assumable VA mortgage at 6.94%
VA
Active
32
$999,000$122,594 equity gap
Rate
6.94%
7.32%today
Payment
$5,945/mo
$6,176today
  • 3beds
  • 2baths
  • 1,658sqft

27916 Via Del Agua, Laguna Niguel

22121 Padova, Laguna Hills, CA, 92653 — assumable VA mortgage at 5.66%
VA
Active
46
$1,138,000$241,642 equity gap
Rate
5.66%
7.32%today
Payment
$5,478/mo
$6,512today
  • 4beds
  • 2baths
  • 1,366sqft

22121 Padova, Laguna Hills

202 Del Gado Road, San Clemente, CA, 92672 — assumable VA mortgage at 5.75%
VA
Active
41
$1,070,000$223,575 equity gap
Rate
5.75%
7.32%today
Payment
$4,960/mo
$5,839today
  • 2beds
  • 1baths
  • 912sqft

202 Del Gado Road, San Clemente

20 Corniche Drive #H, Dana Point, CA, 92629 — assumable FHA mortgage at 7.06%
FHA
Active
37
$899,900$198,836 equity gap
Rate
7.06%
7.32%today
Payment
$4,801/mo
$4,928today
  • 2beds
  • 2baths
  • 1,130sqft

20 Corniche Drive #H, Dana Point

5 Bellingham, Laguna Niguel, CA, 92677 — assumable VA mortgage at 5.30%
VA
Active
61
$1,699,000$718,980 equity gap
Rate
5.30%
7.32%today
Payment
$5,793/mo
$7,166today
  • 3beds
  • 3baths
  • 2,567sqft

5 Bellingham, Laguna Niguel

23475 Los Grandes, Aliso Viejo, CA, 92656 — assumable VA mortgage at 6.95%
VA
Active
25
$765,000$299,644 equity gap
Rate
6.95%
7.32%today
Payment
$3,144/mo
$3,263today
  • 3beds
  • 2baths
  • 1,240sqft

23475 Los Grandes, Aliso Viejo

170 Montara Drive, Aliso Viejo, CA, 92656 — assumable FHA mortgage at 5.92%
FHA
Active
45
$885,900$582,910 equity gap
Rate
5.92%
7.32%today
Payment
$3,235/mo
$3,738today
  • 3beds
  • 3baths
  • 1,476sqft

170 Montara Drive, Aliso Viejo

24271 La Pala Lane, Mission Viejo, CA, 92691 — assumable FHA mortgage at 6.93%
FHA
Active
38
$1,649,000$1,600,795 equity gap
Rate
6.93%
7.32%today
Payment
$331/mo
$343today
  • 4beds
  • 2baths
  • 1,939sqft

24271 La Pala Lane, Mission Viejo

300 Cagney Lane #215, Newport Beach, CA, 92663 — assumable FHA mortgage at 7.03%
FHA
Active
32
$495,000Potential short sale
Rate
7.03%
7.32%today
Payment
$3,709/mo
$3,818today
  • 1beds
  • 1baths
  • 465sqft

300 Cagney Lane #215, Newport Beach

Assuming a mortgage in Laguna Beach

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 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.73%
Lowest existing payment
$331 /mo
Median cash to assume
$439,055
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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