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Assumable homes for sale in Rancho Santa Fe, CA

41 homesVA & FHA loansrates from 2.25% vs 7.32% today

Rancho Santa Fe assumption guide
18764 Caminito Cantilena #156, San Diego, CA, 92128 — assumable FHA mortgage at 3.00%
FHA
Active
33
$409,999$71,073 equity gap
Rate
3.00%
7.32%today
Payment
$1,614/mo
$2,631today
  • 1beds
  • 1baths
  • 716sqft

18764 Caminito Cantilena #156, San Diego

9895 Scripps Westview Way #149, San Diego, CA, 92131 — assumable VA mortgage at 2.25%
VA
Active
24
$539,000$134,541 equity gap
Rate
2.25%
7.32%today
Payment
$1,742/mo
$3,131today
  • 2beds
  • 1baths
  • 942sqft

9895 Scripps Westview Way #149, San Diego

9525 Questa Pointe, San Diego, CA, 92126 — assumable VA mortgage at 2.72%
VA
Active
46
$838,800$317,041 equity gap
Rate
2.72%
7.32%today
Payment
$2,445/mo
$4,130today
  • 3beds
  • 3baths
  • 1,433sqft

9525 Questa Pointe, San Diego

895 Slate Street, San Marcos, CA, 92078 — assumable VA mortgage at 2.87%
VA
Active
24
$669,000$230,505 equity gap
Rate
2.87%
7.32%today
Payment
$2,093/mo
$3,468today
  • 2beds
  • 3baths
  • 1,305sqft

895 Slate Street, San Marcos

6617 Spartina Ct, Carlsbad, CA, 92011 — assumable VA mortgage at 2.88%
VA
Active
48
$1,774,000$655,117 equity gap
Rate
2.88%
7.32%today
Payment
$5,213/mo
$8,625today
  • 5beds
  • 5baths
  • 2,786sqft

6617 Spartina Ct, Carlsbad

12067 Alta Carmel #58, San Diego, CA, 92128 — assumable VA mortgage at 3.125%
VA
Active
39
$399,999$154,593 equity gap
Rate
3.125%
7.32%today
Payment
$1,251/mo
$2,006today
  • 1beds
  • 1baths
  • 704sqft

12067 Alta Carmel #58, San Diego

12089 Caminito Campana, San Diego, CA, 92128 — assumable FHA mortgage at 2.67%
FHA
Active
31
$779,000$427,744 equity gap
Rate
2.67%
7.32%today
Payment
$1,633/mo
$2,777today
  • 3beds
  • 2baths
  • 1,454sqft

12089 Caminito Campana, San Diego

3830 Elijah #426, San Diego, CA, 92130 — assumable FHA mortgage at 2.72%
FHA
Active
48
$799,000$380,738 equity gap
Rate
2.72%
7.32%today
Payment
$1,955/mo
$3,303today
  • 2beds
  • 2baths
  • 1,102sqft

3830 Elijah #426, San Diego

1159 Elfin Forest, San Marcos, CA, 92078 — assumable FHA mortgage at 2.73%
FHA
Active
37
$749,988$339,861 equity gap
Rate
2.73%
7.32%today
Payment
$1,910/mo
$3,222today
  • 2beds
  • 3baths
  • 1,480sqft

1159 Elfin Forest, San Marcos

12749 Via Las Lenas, San Diego, CA, 92129 — assumable VA mortgage at 2.99%
VA
Active
16
$2,239,999$1,539,728 equity gap
Rate
2.99%
7.32%today
Payment
$3,402/mo
$5,550today
  • 5beds
  • 3baths
  • 2,909sqft

12749 Via Las Lenas, San Diego

17905 Caminito Pinero #263, San Diego, CA, 92128 — assumable VA mortgage at 3.00%
VA
Active
14
$399,999$399,999 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 1beds
  • 1baths
  • 817sqft

17905 Caminito Pinero #263, San Diego

9909 Scripps Westview Way #212, San Diego, CA, 92131 — assumable VA mortgage at 3.00%
VA
Active
20
$529,999$529,999 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 942sqft

9909 Scripps Westview Way #212, San Diego

2007 Silverado Street, San Marcos, CA, 92078 — assumable VA mortgage at 3.00%
VA
Active
30
$735,000$735,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,570sqft

2007 Silverado Street, San Marcos

12396 Grandee Court, San Diego, CA, 92128 — assumable VA mortgage at 3.21%
VA
Active
43
$1,525,000$1,028,622 equity gap
Rate
3.21%
7.32%today
Payment
$2,480/mo
$3,934today
  • 2beds
  • 2baths
  • 1,824sqft

12396 Grandee Court, San Diego

17093 W Bernardo Dr. #106, San Diego, CA, 92127 — assumable FHA mortgage at 3.26%
FHA
Active
30
$470,000$201,623 equity gap
Rate
3.26%
7.32%today
Payment
$1,348/mo
$2,125today
  • 2beds
  • 2baths
  • 855sqft

17093 W Bernardo Dr. #106, San Diego

11865 Caminito Ronaldo #200, San Diego, CA, 92128 — assumable VA mortgage at 3.31%
VA
Active
23
$425,000$178,571 equity gap
Rate
3.31%
7.32%today
Payment
$1,250/mo
$1,958today
  • 1beds
  • 1baths
  • 817sqft

11865 Caminito Ronaldo #200, San Diego

809 Sol Vista, Escondido, CA, 92025 — assumable VA mortgage at 3.33%
VA
Active
29
$849,000$437,157 equity gap
Rate
3.33%
7.32%today
Payment
$2,088/mo
$3,263today
  • 4beds
  • 3baths
  • 1,820sqft

809 Sol Vista, Escondido

351 10th Ave, Escondido, CA, 92025 — assumable VA mortgage at 3.33%
VA
Active
33
$899,000$545,801 equity gap
Rate
3.33%
7.32%today
Payment
$1,795/mo
$2,805today
  • 3beds
  • 2baths
  • 1,553sqft

351 10th Ave, Escondido

13025 Avenida Marbella, San Diego, CA, 92128 — assumable VA mortgage at 3.34%
VA
Active
26
$949,000$414,786 equity gap
Rate
3.34%
7.32%today
Payment
$2,699/mo
$4,212today
  • 2beds
  • 2baths
  • 1,738sqft

13025 Avenida Marbella, San Diego

3115 BERNARDO LANE, Escondido, CA, 92029 — assumable FHA mortgage at 3.43%
FHA
Active
61
$1,099,795$640,775 equity gap
Rate
3.43%
7.32%today
Payment
$2,630/mo
$4,059today
  • 4beds
  • 3baths
  • 2,212sqft

3115 BERNARDO LANE, Escondido

12737 Via Nasca, San Diego, CA, 92128 — assumable VA mortgage at 3.60%
VA
Active
33
$797,000$481,492 equity gap
Rate
3.60%
7.32%today
Payment
$1,851/mo
$2,797today
  • 2beds
  • 2baths
  • 1,388sqft

12737 Via Nasca, San Diego

1564 Tanglewood Ln #15, Escondido, CA, 92029 — assumable VA mortgage at 5.23%
VA
Active
26
$505,000$30,385 equity gap
Rate
5.23%
7.32%today
Payment
$2,790/mo
$3,479today
  • 2beds
  • 2baths
  • 1,245sqft

1564 Tanglewood Ln #15, Escondido

14025 Chestnut Hill Lane, San Diego, CA, 92128 — assumable VA mortgage at 3.75%
VA
Active
38
$2,030,000$1,491,858 equity gap
Rate
3.75%
7.32%today
Payment
$3,334/mo
$4,945today
  • 4beds
  • 3baths
  • 2,320sqft

14025 Chestnut Hill Lane, San Diego

18006 Calle Estepona, San Diego, CA, 92128 — assumable VA mortgage at 3.89%
VA
Active
44
$1,035,000$949,221 equity gap
Rate
3.89%
7.32%today
Payment
$612/mo
$893today
  • 2beds
  • 2baths
  • 1,738sqft

18006 Calle Estepona, San Diego

930 Via Mil Cumbres #35, Solana Beach, CA, 92075 — assumable FHA mortgage at 4.07%
FHA
Active
22
$949,000$705,932 equity gap
Rate
4.07%
7.32%today
Payment
$1,778/mo
$2,537today
  • 3beds
  • 2baths
  • 1,242sqft

930 Via Mil Cumbres #35, Solana Beach

12885 Camino De La Breccia, San Diego, CA, 92128 — assumable FHA mortgage at 6.50%
FHA
Active
14
$600,000Potential short sale
Rate
6.50%
7.32%today
Payment
$3,972/mo
$4,317today
  • 2beds
  • 2baths
  • 1,040sqft

12885 Camino De La Breccia, San Diego

17945 Caminito Pinero #178, San Diego, CA, 92128 — assumable VA mortgage at 6.50%
VA
Active
37
$599,950$26,618 equity gap
Rate
6.50%
7.32%today
Payment
$3,634/mo
$3,949today
  • 2beds
  • 2baths
  • 1,080sqft

17945 Caminito Pinero #178, San Diego

13303 Rancho Penasquitos Blvd. #A204, San Diego, CA, 92129 — assumable FHA mortgage at 7.04%
FHA
Active
47
$425,000$6,476 equity gap
Rate
7.04%
7.32%today
Payment
$2,837/mo
$2,917today
  • 1beds
  • 1baths
  • 602sqft

13303 Rancho Penasquitos Blvd. #A204, San Diego

2351 Terraza Ribera, Carlsbad, CA, 92009 — assumable VA mortgage at 4.48%
VA
Active
28
$1,450,000$736,908 equity gap
Rate
4.48%
7.32%today
Payment
$4,271/mo
$5,804today
  • 5beds
  • 3baths
  • 2,507sqft

2351 Terraza Ribera, Carlsbad

2564 Escondido Blvd #512, Escondido, CA, 92025 — assumable VA mortgage at 6.60%
VA
Active
37
$625,000$30,754 equity gap
Rate
6.60%
7.32%today
Payment
$3,947/mo
$4,245today
  • 2beds
  • 3baths
  • 1,130sqft

2564 Escondido Blvd #512, Escondido

851 Casa de Oro pl, Escondido, CA, 92025 — assumable VA mortgage at 6.50%
VA
Active
41
$1,160,000$183,447 equity gap
Rate
6.50%
7.32%today
Payment
$6,305/mo
$6,853today
  • 5beds
  • 3baths
  • 2,003sqft

851 Casa de Oro pl, Escondido

1714 Fairlead Ave, Carlsbad, CA, 92011 — assumable FHA mortgage at 6.95%
FHA
Active
31
$975,000$155,756 equity gap
Rate
6.95%
7.32%today
Payment
$5,541/mo
$5,750today
  • 3beds
  • 3baths
  • 1,410sqft

1714 Fairlead Ave, Carlsbad

530 Kalmia Street, Escondido, CA, 92025 — assumable FHA mortgage at 6.89%
FHA
Active
25
$669,000$148,449 equity gap
Rate
6.89%
7.32%today
Payment
$3,500/mo
$3,654today
  • 2beds
  • 1baths
  • 786sqft

530 Kalmia Street, Escondido

13754 Caminito Vizzini, San Diego, CA, 92129 — assumable VA mortgage at 5.27%
VA
Active
23
$585,000$804,130 equity gap
Rate
5.27%
7.32%today
Payment
$1,964/mo
$2,237today
  • 3beds
  • 2baths
  • 1,215sqft

13754 Caminito Vizzini, San Diego

16447 Gabarda Rd, San Diego, CA, 92128 — assumable VA mortgage at 5.54%
VA
Active
45
$799,000$432,649 equity gap
Rate
5.54%
7.32%today
Payment
$2,218/mo
$2,672today
  • 2beds
  • 2baths
  • 1,618sqft

16447 Gabarda Rd, San Diego

749 Almond Rd, San Marcos, CA, 92078 — assumable FHA mortgage at 5.62%
FHA
Active
35
$675,000$534,693 equity gap
Rate
5.62%
7.32%today
Payment
$1,760/mo
$2,102today
  • 3beds
  • 3baths
  • 1,238sqft

749 Almond Rd, San Marcos

Assuming a mortgage in Rancho Santa Fe

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
2.25%
Lowest existing payment
$612 /mo
Median cash to assume
$421,265
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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