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Assumable homes for sale in Oakland, CA

25 homesFHA & VA loansrates from 2.75% vs 7.32% today

Oakland assumption guide
273 Beauforest Dr, Oakland, CA, 94611 — assumable FHA mortgage at 3.20%
FHA
Active
42
$695,000$95,980 equity gap
Rate
3.20%
7.32%today
Payment
$2,989/mo
$4,748today
  • 2beds
  • 1baths
  • 506sqft

273 Beauforest Dr, Oakland

3452 Capella Lane, Alameda, CA, 94502 — assumable VA mortgage at 2.75%
VA
Active
43
$884,000$256,492 equity gap
Rate
2.75%
7.32%today
Payment
$2,862/mo
$4,815today
  • 3beds
  • 3baths
  • 1,664sqft

3452 Capella Lane, Alameda

977 24Th St, Oakland, CA, 94607 — assumable VA mortgage at 2.80%
VA
Active
8
$634,500Potential short sale
Rate
2.80%
7.32%today
Payment
$3,616/mo
$6,045today
  • 2beds
  • 3baths
  • 1,552sqft

977 24Th St, Oakland

9850 Elmar Avenue, Oakland, CA, 94603 — assumable FHA mortgage at 2.84%
FHA
Active
3
$332,000Potential short sale
Rate
2.84%
7.32%today
Payment
$2,230/mo
$3,710today
  • 2beds
  • 1baths
  • 707sqft

9850 Elmar Avenue, Oakland

10911 Cotter St, Oakland, CA, 94605 — assumable VA mortgage at 2.87%
VA
Active
$1,049,000$761,770 equity gap
Rate
2.87%
7.32%today
Payment
$1,340/mo
$2,220today
  • 4beds
  • 3baths
  • 2,032sqft

10911 Cotter St, Oakland

1524 SACRAMENTO ST, Berkeley, CA, 94702 — assumable VA mortgage at 2.99%
VA
Active
59
$1,495,000$1,295,191 equity gap
Rate
2.99%
7.32%today
Payment
$971/mo
$1,584today
  • 5beds
  • 2baths
  • 1,987sqft

1524 SACRAMENTO ST, Berkeley

449 Merritt Ave, Oakland, CA, 94610 — assumable VA mortgage at 3.21%
VA
Active
105
$5,500,000$4,231,755 equity gap
Rate
3.21%
7.32%today
Payment
$6,062/mo
$9,617today
  • —beds
  • —baths
  • 10,926sqft

449 Merritt Ave, Oakland

3131 Magnolia ST, Oakland, CA, 94608 — assumable FHA mortgage at 5.10%
FHA
Active
27
$815,000Potential short sale
Rate
5.10%
7.32%today
Payment
$4,772/mo
$6,038today
  • 6beds
  • 3baths
  • 2,584sqft

3131 Magnolia ST, Oakland

9826 Bancroft Ave, Oakland, CA, 94603-2814 — assumable FHA mortgage at 3.67%
FHA
Active
2
$699,950$337,389 equity gap
Rate
3.67%
7.32%today
Payment
$2,224/mo
$3,332today
  • —beds
  • —baths
  • —sqft

9826 Bancroft Ave, Oakland

3134 Pleitner Ave, Oakland, CA, 94602 — assumable FHA mortgage at 3.69%
FHA
Active
17
$1,450,000$1,150,114 equity gap
Rate
3.69%
7.32%today
Payment
$1,508/mo
$2,253today
  • —beds
  • —baths
  • —sqft

3134 Pleitner Ave, Oakland

651 Moraga Road #17, Moraga, CA, 94556 — assumable FHA mortgage at 3.90%
FHA
Active
46
$598,000$369,592 equity gap
Rate
3.90%
7.32%today
Payment
$1,645/mo
$2,395today
  • 2beds
  • 2baths
  • 1,144sqft

651 Moraga Road #17, Moraga

1626 46Th Ave, Oakland, CA, 94601 — assumable FHA mortgage at 4.04%
FHA
Active
5
$515,000$232,509 equity gap
Rate
4.04%
7.32%today
Payment
$1,777/mo
$2,544today
  • —beds
  • —baths
  • —sqft

1626 46Th Ave, Oakland

10419 San Leandro St, Oakland, CA, 94603 — assumable FHA mortgage at 7.12%
FHA
Active
3
$460,000Potential short sale
Rate
7.12%
7.32%today
Payment
$3,186/mo
$3,250today
  • —beds
  • —baths
  • —sqft

10419 San Leandro St, Oakland

1112 82Nd Ave, Oakland, CA, 94621 — assumable FHA mortgage at 4.28%
FHA
Active
17
$399,000$367,786 equity gap
Rate
4.28%
7.32%today
Payment
$395/mo
$550today
  • 2beds
  • 1baths
  • 849sqft

1112 82Nd Ave, Oakland

555 Pierce St #522, Albany, CA, 94706 — assumable FHA mortgage at 6.50%
FHA
Active
31
$410,000$39,584 equity gap
Rate
6.50%
7.32%today
Payment
$2,350/mo
$2,554today
  • 1beds
  • 1baths
  • 745sqft

555 Pierce St #522, Albany

1715 Bay St, Alameda, CA, 94501 — assumable FHA mortgage at 4.52%
FHA
Active
99
$1,349,000$854,657 equity gap
Rate
4.52%
7.32%today
Payment
$3,787/mo
$5,122today
  • 4beds
  • 4baths
  • 2,815sqft

1715 Bay St, Alameda

4628 Fieldbrook Rd, Oakland, CA, 94619 — assumable FHA mortgage at 6.44%
FHA
Active
40
$1,149,460$36,020 equity gap
Rate
6.44%
7.32%today
Payment
$7,154/mo
$7,823today
  • 4beds
  • 3baths
  • 1,943sqft

4628 Fieldbrook Rd, Oakland

1720 46th Avenue, Oakland, CA, 94601 — assumable FHA mortgage at 6.54%
FHA
Active
28
$739,000$130,997 equity gap
Rate
6.54%
7.32%today
Payment
$4,020/mo
$4,350today
  • 4beds
  • 3baths
  • 1,320sqft

1720 46th Avenue, Oakland

453 Sentinel Dr, Alameda, CA, 94501 — assumable VA mortgage at 6.89%
VA
Active
52
$839,000$96,466 equity gap
Rate
6.89%
7.32%today
Payment
$4,993/mo
$5,213today
  • 2beds
  • 2baths
  • 1,102sqft

453 Sentinel Dr, Alameda

2158 High Street, Oakland, CA, 94601 — assumable VA mortgage at 5.52%
VA
Active
$488,888$77,071 equity gap
Rate
5.52%
7.32%today
Payment
$2,492/mo
$3,009today
  • 5beds
  • 3baths
  • 2,305sqft

2158 High Street, Oakland

7000 Lockwood St, Oakland, CA, 94621 — assumable FHA mortgage at 5.23%
FHA
Active
9
$455,000Potential short sale
Rate
5.23%
7.32%today
Payment
$3,408/mo
$4,249today
  • 2beds
  • 1baths
  • 891sqft

7000 Lockwood St, Oakland

832 7th Ave, Oakland, CA, 94606 — assumable FHA mortgage at 6.05%
FHA
Active
60
$999,000Potential short sale
Rate
6.05%
7.32%today
Payment
$6,806/mo
$7,757today
  • —beds
  • —baths
  • —sqft

832 7th Ave, Oakland

3019 Florida St, Oakland, CA, 94602 — assumable FHA mortgage at 6.50%
FHA
Active
13
$599,000Potential short sale
Rate
6.50%
7.32%today
Payment
$4,735/mo
$5,146today
  • —beds
  • —baths
  • —sqft

3019 Florida St, Oakland

8910 Burr St, Oakland, CA, 94605 — assumable FHA mortgage at 6.99%
FHA
Active
67
$750,000Potential short sale
Rate
6.99%
7.32%today
Payment
$6,357/mo
$6,570today
  • 3beds
  • 3baths
  • 2,400sqft

8910 Burr St, Oakland

1044 86Th Ave, Oakland, CA, 94621 — assumable FHA mortgage at 7.07%
FHA
Active
32
$449,000Potential short sale
Rate
7.07%
7.32%today
Payment
$3,585/mo
$3,676today
  • 2beds
  • 1baths
  • 1,004sqft

1044 86Th Ave, Oakland

Assuming a mortgage in Oakland

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
2.75%
Lowest existing payment
$395 /mo
Median cash to assume
$296,941
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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