Assumable homes for sale in Lucerne Valley, CA

9 homesFHA & VA loansrates from 3.05% vs 7.32% today

Lucerne Valley assumption guide
15023 Byron Drive, Apple Valley, CA, 92307 — assumable VA mortgage at 3.05%
VA
Active
51
$385,000$203,182 equity gap
Rate
3.05%
7.32%today
Payment
$879/mo
$1,423today
  • 3beds
  • 2baths
  • 1,780sqft

15023 Byron Drive, Apple Valley

39036 Sage, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 3.56%
FHA
Active
18
$410,000$144,685 equity gap
Rate
3.56%
7.32%today
Payment
$1,321/mo
$2,005today
  • 4beds
  • 2baths
  • 1,974sqft

39036 Sage, Lucerne Valley

26030 Roundup Way, Apple Valley, CA, 92308 — assumable VA mortgage at 3.60%
VA
Active
73
$619,000$457,756 equity gap
Rate
3.60%
7.32%today
Payment
$858/mo
$1,296today
  • 4beds
  • 3baths
  • 2,408sqft

26030 Roundup Way, Apple Valley

32206 Sapphire Rd, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 6.60%
FHA
Active
19
$345,000$49,077 equity gap
Rate
6.60%
7.32%today
Payment
$1,950/mo
$2,098today
  • 3beds
  • 2baths
  • 1,274sqft

32206 Sapphire Rd, Lucerne Valley

7780 Fairlane Road, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 6.92%
FHA
Active
41
$323,000$58,751 equity gap
Rate
6.92%
7.32%today
Payment
$1,782/mo
$1,855today
  • 3beds
  • 2baths
  • 1,568sqft

7780 Fairlane Road, Lucerne Valley

36368 Cochise, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 6.93%
FHA
Active
62
$309,000$38,393 equity gap
Rate
6.93%
7.32%today
Payment
$1,816/mo
$1,889today
  • 2beds
  • 1baths
  • 1,248sqft

36368 Cochise, Lucerne Valley

9624 Cody, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 4.85%
FHA
Active
4
$320,000$226,440 equity gap
Rate
4.85%
7.32%today
Payment
$570/mo
$742today
  • 3beds
  • 2baths
  • 1,568sqft

9624 Cody, Lucerne Valley

31616 Emerald Road, Lucerne Valley, CA, 92356 — assumable FHA mortgage at 5.10%
FHA
Active
13
$349,000$145,591 equity gap
Rate
5.10%
7.32%today
Payment
$1,173/mo
$1,484today
  • 3beds
  • 2baths
  • 1,620sqft

31616 Emerald Road, Lucerne Valley

25575 Rancho, Apple Valley, CA, 92308 — assumable FHA mortgage at 6.89%
FHA
Active
37
$465,000$445,653 equity gap
Rate
6.89%
7.32%today
Payment
$134/mo
$139today
  • 4beds
  • 2baths
  • 2,643sqft

25575 Rancho, Apple Valley

Assuming a mortgage in Lucerne Valley

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
3.05%
Lowest existing payment
$570 /mo
Median cash to assume
$145,591
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.