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Assumable homes for sale in Phelan, CA

43 homesFHA & VA loansrates from 2.79% vs 7.32% today

Phelan assumption guide
6750 Oak Hill Road, Oak Hills, CA, 92344 — assumable VA mortgage at 2.79%
VATop pick
Active
13
$530,000$50,497 equity gap
Rate
2.79%
7.32%today
Payment
$2,253/mo
$3,772today
  • 4beds
  • 3baths
  • 2,332sqft

6750 Oak Hill Road, Oak Hills

1948 Smoke Tree, Pinon Hills, CA, 92372 — assumable FHA mortgage at 2.80%
FHA
Active
2
$350,000$98,865 equity gap
Rate
2.80%
7.32%today
Payment
$1,162/mo
$1,943today
  • 4beds
  • 3baths
  • 1,056sqft

1948 Smoke Tree, Pinon Hills

13451 Sonora Road, Phelan, CA, 92371 — assumable FHA mortgage at 2.84%
FHA
Active
35
$420,000$112,921 equity gap
Rate
2.84%
7.32%today
Payment
$1,428/mo
$2,374today
  • 3beds
  • 2baths
  • 1,539sqft

13451 Sonora Road, Phelan

14133 Mustang, Adelanto, CA, 92301 — assumable FHA mortgage at 2.97%
FHA
Active
33
$435,000$124,503 equity gap
Rate
2.97%
7.32%today
Payment
$1,474/mo
$2,411today
  • 4beds
  • 3baths
  • 2,046sqft

14133 Mustang, Adelanto

292 Lindero Road, Pinon Hills, CA, 92372 — assumable FHA mortgage at 3.55%
FHA
Active
24
$390,000$72,584 equity gap
Rate
3.55%
7.32%today
Payment
$1,575/mo
$2,394today
  • 4beds
  • 2baths
  • 1,307sqft

292 Lindero Road, Pinon Hills

12763 Trent Place, Victorville, CA, 92392 — assumable VA mortgage at 2.91%
VA
Active
18
$499,900$167,211 equity gap
Rate
2.91%
7.32%today
Payment
$1,599/mo
$2,635today
  • 5beds
  • 3baths
  • 2,931sqft

12763 Trent Place, Victorville

1338 Madrid Place, Pinon Hills, CA, 92372 — assumable FHA mortgage at 3.07%
FHA
Active
11
$329,000$102,875 equity gap
Rate
3.07%
7.32%today
Payment
$1,073/mo
$1,733today
  • 3beds
  • 2baths
  • 1,164sqft

1338 Madrid Place, Pinon Hills

7755 7th Street, Phelan, CA, 92371 — assumable VA mortgage at 3.24%
VA
Active
48
$498,500$191,876 equity gap
Rate
3.24%
7.32%today
Payment
$1,537/mo
$2,428today
  • 4beds
  • 2baths
  • 2,009sqft

7755 7th Street, Phelan

12245 Cordero Road, Victorville, CA, 92392 — assumable FHA mortgage at 2.84%
FHA
Active
48
$334,900$173,142 equity gap
Rate
2.84%
7.32%today
Payment
$750/mo
$1,248today
  • 3beds
  • 2baths
  • 1,344sqft

12245 Cordero Road, Victorville

7474 Cedar Street, Phelan, CA, 92371 — assumable VA mortgage at 2.88%
VA
Active
9
$529,900$315,482 equity gap
Rate
2.88%
7.32%today
Payment
$1,030/mo
$1,704today
  • 3beds
  • 2baths
  • 2,134sqft

7474 Cedar Street, Phelan

10928 Lantry Lane, Oak Hills, CA, 92344 — assumable VA mortgage at 2.99%
VA
Active
48
$637,000$388,915 equity gap
Rate
2.99%
7.32%today
Payment
$1,178/mo
$1,921today
  • 4beds
  • 3baths
  • 2,362sqft

10928 Lantry Lane, Oak Hills

4396 Mataro Road, Phelan, CA, 92371 — assumable VA mortgage at 3.59%
VA
Active
7
$429,777$263,010 equity gap
Rate
3.59%
7.32%today
Payment
$983/mo
$1,488today
  • 3beds
  • 2baths
  • 1,719sqft

4396 Mataro Road, Phelan

11618 Nevada, Phelan, CA, 92371 — assumable FHA mortgage at 3.72%
FHA
Active
20
$430,000$257,874 equity gap
Rate
3.72%
7.32%today
Payment
$916/mo
$1,364today
  • 4beds
  • 2baths
  • 1,544sqft

11618 Nevada, Phelan

11411 Arlington, Adelanto, CA, 92301 — assumable FHA mortgage at 3.75%
FHA
Active
10
$410,000$178,450 equity gap
Rate
3.75%
7.32%today
Payment
$1,251/mo
$1,855today
  • 3beds
  • 3baths
  • 2,025sqft

11411 Arlington, Adelanto

10840 Pepper Street, Adelanto, CA, 92301 — assumable FHA mortgage at 3.97%
FHA
Active
$315,000$180,204 equity gap
Rate
3.97%
7.32%today
Payment
$789/mo
$1,140today
  • 3beds
  • 2baths
  • 1,005sqft

10840 Pepper Street, Adelanto

2775 Duncan Road, Phelan, CA, 92371 — assumable FHA mortgage at 4.17%
FHA
Active
23
$465,000$339,016 equity gap
Rate
4.17%
7.32%today
Payment
$761/mo
$1,072today
  • 3beds
  • 2baths
  • 1,152sqft

2775 Duncan Road, Phelan

4931 Del Rosa Road, Phelan, CA, 92371 — assumable FHA mortgage at 7.62%
FHA
Active
$600,000$7,365 equity gap
Rate
7.62%
7.32%today
Payment
$4,307/mo
$4,182today
  • 4beds
  • 2baths
  • 2,342sqft

4931 Del Rosa Road, Phelan

4280 Solano Road, Phelan, CA, 92371 — assumable FHA mortgage at 6.09%
FHA
Active
4
$347,500$32,091 equity gap
Rate
6.09%
7.32%today
Payment
$1,917/mo
$2,175today
  • —beds
  • —baths
  • 0sqft

4280 Solano Road, Phelan

14806 Cypress, Adelanto, CA, 92301 — assumable VA mortgage at 6.19%
VA
Active
42
$399,000$27,949 equity gap
Rate
6.19%
7.32%today
Payment
$2,286/mo
$2,566today
  • 4beds
  • 2baths
  • 1,610sqft

14806 Cypress, Adelanto

10156 Colten Ridge, Adelanto, CA, 92301 — assumable FHA mortgage at 6.60%
FHA
Active
47
$439,900$28,646 equity gap
Rate
6.60%
7.32%today
Payment
$2,471/mo
$2,689today
  • 3beds
  • 3baths
  • 1,635sqft

10156 Colten Ridge, Adelanto

14224 Savanna Street, Adelanto, CA, 92301 — assumable FHA mortgage at 6.71%
FHA
Active
14
$454,999$43,066 equity gap
Rate
6.71%
7.32%today
Payment
$2,759/mo
$2,934today
  • 5beds
  • 3baths
  • 2,041sqft

14224 Savanna Street, Adelanto

11053 Acanthus Street, Phelan, CA, 92371 — assumable FHA mortgage at 4.56%
FHA
Active
5
$545,000$457,593 equity gap
Rate
4.56%
7.32%today
Payment
$705/mo
$949today
  • 4beds
  • 2baths
  • 1,873sqft

11053 Acanthus Street, Phelan

7180 Solano Road, Phelan, CA, 92371 — assumable FHA mortgage at 5.41%
FHA
Active
38
$479,000$100,383 equity gap
Rate
5.41%
7.32%today
Payment
$2,263/mo
$2,765today
  • 3beds
  • 2baths
  • 1,854sqft

7180 Solano Road, Phelan

9588 Mountain Pine Court, Phelan, CA, 92371 — assumable FHA mortgage at 6.11%
FHA
Active
32
$420,000$44,105 equity gap
Rate
6.11%
7.32%today
Payment
$2,386/mo
$2,681today
  • 3beds
  • 2baths
  • 1,629sqft

9588 Mountain Pine Court, Phelan

11363 Winter Place, Adelanto, CA, 92301 — assumable FHA mortgage at 6.32%
FHA
Active
47
$500,000$67,625 equity gap
Rate
6.32%
7.32%today
Payment
$2,802/mo
$3,103today
  • 6beds
  • 3baths
  • 2,287sqft

11363 Winter Place, Adelanto

10529 Trinidad, Phelan, CA, 92371 — assumable FHA mortgage at 6.32%
FHA
Active
58
$619,000$93,593 equity gap
Rate
6.32%
7.32%today
Payment
$3,400/mo
$3,766today
  • 4beds
  • 3baths
  • 2,286sqft

10529 Trinidad, Phelan

6288 Maricopa, Phelan, CA, 92371 — assumable FHA mortgage at 6.37%
FHA
Active
49
$349,899$50,557 equity gap
Rate
6.37%
7.32%today
Payment
$1,870/mo
$2,060today
  • 6beds
  • 2baths
  • 2,128sqft

6288 Maricopa, Phelan

14743 Wakefield Drive, Adelanto, CA, 92301 — assumable FHA mortgage at 6.49%
FHA
Active
25
$404,500$46,926 equity gap
Rate
6.49%
7.32%today
Payment
$2,306/mo
$2,509today
  • 4beds
  • 2baths
  • 1,516sqft

14743 Wakefield Drive, Adelanto

9145 Marco, Victorville, CA, 92392 — assumable FHA mortgage at 6.67%
FHA
Active
36
$449,999$49,537 equity gap
Rate
6.67%
7.32%today
Payment
$2,672/mo
$2,853today
  • 2beds
  • 2baths
  • 900sqft

9145 Marco, Victorville

7124 7th Street, Phelan, CA, 92371 — assumable FHA mortgage at 6.88%
FHA
Active
30
$379,999$71,575 equity gap
Rate
6.88%
7.32%today
Payment
$2,078/mo
$2,172today
  • 3beds
  • 3baths
  • 1,560sqft

7124 7th Street, Phelan

4025 Goss, Phelan, CA, 92371 — assumable FHA mortgage at 7.22%
FHA
Active
32
$470,000$59,044 equity gap
Rate
7.22%
7.32%today
Payment
$2,872/mo
$2,900today
  • 3beds
  • 2baths
  • 1,592sqft

4025 Goss, Phelan

11251 Nevada Road, Phelan, CA, 92371 — assumable FHA mortgage at 5.55%
FHA
Active
28
$395,000$98,725 equity gap
Rate
5.55%
7.32%today
Payment
$1,788/mo
$2,152today
  • 3beds
  • 2baths
  • 1,307sqft

11251 Nevada Road, Phelan

5023 Smoke Tree, Phelan, CA, 92371 — assumable FHA mortgage at 4.78%
FHA
Active
56
$459,900$390,189 equity gap
Rate
4.78%
7.32%today
Payment
$606/mo
$796today
  • 4beds
  • 2baths
  • 1,648sqft

5023 Smoke Tree, Phelan

12037 Cordero, Victorville, CA, 92392 — assumable FHA mortgage at 4.82%
FHA
Active
9
$290,000$284,988 equity gap
Rate
4.82%
7.32%today
Payment
$59/mo
$75today
  • 2beds
  • 2baths
  • 868sqft

12037 Cordero, Victorville

1034 Hollister Road, Pinon Hills, CA, 92372 — assumable VA mortgage at 6.58%
VA
Active
74
$575,000$118,293 equity gap
Rate
6.58%
7.32%today
Payment
$2,940/mo
$3,169today
  • 3beds
  • 2baths
  • 2,326sqft

1034 Hollister Road, Pinon Hills

14661 Allison Street, Adelanto, CA, 92301 — assumable FHA mortgage at 5.55%
FHA
Active
34
$349,000$106,325 equity gap
Rate
5.55%
7.32%today
Payment
$1,467/mo
$1,765today
  • 3beds
  • 2baths
  • 1,126sqft

14661 Allison Street, Adelanto

Assuming a mortgage in Phelan

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
2.79%
Lowest existing payment
$606 /mo
Median cash to assume
$109,623
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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