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Assumable homes for sale in San Diego, CA

39 homesVA & FHA loansrates from 2.77% vs 7.40% today

San Diego assumption guide
1585 San Alfonso, San Diego, CA, 92154 — assumable VA mortgage at 4.48%
VA
Active
45
$638,999$25,088 equity gap
Rate
4.48%
7.40%today
Payment
$3,352/mo
$4,591today
  • 3beds
  • 3baths
  • 1,485sqft

1585 San Alfonso, San Diego

5208 Surfwalk Way #152, San Diego, CA, 92154 — assumable FHA mortgage at 2.77%
FHA
Active
39
$629,000$203,068 equity gap
Rate
2.77%
7.40%today
Payment
$1,997/mo
$3,378today
  • 4beds
  • 3baths
  • 1,696sqft

5208 Surfwalk Way #152, San Diego

238 Regency Ct #C, Chula Vista, CA, 91911 — assumable FHA mortgage at 2.98%
FHA
Active
19
$560,000$184,765 equity gap
Rate
2.98%
7.40%today
Payment
$1,776/mo
$2,923today
  • 3beds
  • 2baths
  • 1,212sqft

238 Regency Ct #C, Chula Vista

1675 Melrose Ave #L, Chula Vista, CA, 91911 — assumable VA mortgage at 3.09%
VA
Active
31
$510,000$158,598 equity gap
Rate
3.09%
7.40%today
Payment
$1,668/mo
$2,708today
  • 3beds
  • 2baths
  • 1,074sqft

1675 Melrose Ave #L, Chula Vista

1755 Saltaire Place #37, San Diego, CA, 92154 — assumable VA mortgage at 2.98%
VA
Active
28
$730,000$479,991 equity gap
Rate
2.98%
7.40%today
Payment
$1,191/mo
$1,961today
  • 3beds
  • 3baths
  • 1,713sqft

1755 Saltaire Place #37, San Diego

1716 San Eugenio, San Diego, CA, 92154 — assumable FHA mortgage at 3.44%
FHA
Active
26
$665,000$389,917 equity gap
Rate
3.44%
7.40%today
Payment
$1,578/mo
$2,451today
  • 3beds
  • 3baths
  • 1,686sqft

1716 San Eugenio, San Diego

760 Portside Pl, San Diego, CA, 92154 — assumable VA mortgage at 3.49%
VA
Active
27
$619,000$260,299 equity gap
Rate
3.49%
7.40%today
Payment
$1,862/mo
$2,874today
  • 3beds
  • 3baths
  • 1,400sqft

760 Portside Pl, San Diego

5406 Beach Bluff #213, San Diego, CA, 92154 — assumable VA mortgage at 3.50%
VA
Active
24
$570,000$570,000 equity gap
Rate
3.50%
7.40%today
Payment
$0/mo
  • 2beds
  • 3baths
  • 1,310sqft

5406 Beach Bluff #213, San Diego

1479 Paseo Aurora, San Diego, CA, 92154 — assumable VA mortgage at 3.68%
VA
Active
47
$559,000$326,273 equity gap
Rate
3.68%
7.40%today
Payment
$1,387/mo
$2,092today
  • 2beds
  • 3baths
  • 1,326sqft

1479 Paseo Aurora, San Diego

1687 Melrose Ave #D, Chula Vista, CA, 91911 — assumable VA mortgage at 4.15%
VA
Active
21
$410,000$304,353 equity gap
Rate
4.15%
7.40%today
Payment
$695/mo
$990today
  • 2beds
  • 2baths
  • 920sqft

1687 Melrose Ave #D, Chula Vista

863 Grissom Street, San Diego, CA, 92154 — assumable FHA mortgage at 6.19%
FHA
Active
27
$745,000$16,265 equity gap
Rate
6.19%
7.40%today
Payment
$4,498/mo
$5,091today
  • 3beds
  • 2baths
  • 1,627sqft

863 Grissom Street, San Diego

1255 TWINING AVE, San Diego, CA, 92154 — assumable VA mortgage at 6.34%
VA
Active
39
$810,000$38,183 equity gap
Rate
6.34%
7.40%today
Payment
$4,849/mo
$5,401today
  • 4beds
  • 2baths
  • 1,550sqft

1255 TWINING AVE, San Diego

5471 Seacliff Place #84, San Diego, CA, 92154 — assumable VA mortgage at 6.39%
VA
Active
34
$599,000Potential short sale
Rate
6.39%
7.40%today
Payment
$4,030/mo
$4,466today
  • 4beds
  • 4baths
  • 1,785sqft

5471 Seacliff Place #84, San Diego

766 Anchor Cove, San Diego, CA, 92154 — assumable FHA mortgage at 6.60%
FHA
Active
43
$549,000Potential short sale
Rate
6.60%
7.40%today
Payment
$3,637/mo
$3,943today
  • 2beds
  • 2baths
  • 1,643sqft

766 Anchor Cove, San Diego

5470 Shorefront Drive #153, San Diego, CA, 92154 — assumable VA mortgage at 6.69%
VA
Active
22
$629,900$25,001 equity gap
Rate
6.69%
7.40%today
Payment
$4,039/mo
$4,338today
  • 4beds
  • 4baths
  • 1,785sqft

5470 Shorefront Drive #153, San Diego

5429 Santa Regina, San Diego, CA, 92154 — assumable VA mortgage at 6.73%
VA
Active
36
$699,999Potential short sale
Rate
6.73%
7.40%today
Payment
$4,694/mo
$5,022today
  • 4beds
  • 4baths
  • 1,829sqft

5429 Santa Regina, San Diego

5310 Seacliff Place #13, San Diego, CA, 92154 — assumable VA mortgage at 6.74%
VA
Active
39
$710,000Potential short sale
Rate
6.74%
7.40%today
Payment
$4,684/mo
$5,006today
  • 4beds
  • 4baths
  • 1,875sqft

5310 Seacliff Place #13, San Diego

265 Rancho Dr #C, Chula Vista, CA, 91911 — assumable FHA mortgage at 6.81%
FHA
Active
23
$540,000Potential short sale
Rate
6.81%
7.40%today
Payment
$3,635/mo
$3,856today
  • 3beds
  • 2baths
  • 1,228sqft

265 Rancho Dr #C, Chula Vista

5412 Calle Sandwaves #169, San Diego, CA, 92154 — assumable VA mortgage at 6.82%
VA
Active
41
$579,000$11,707 equity gap
Rate
6.82%
7.40%today
Payment
$3,804/mo
$4,031today
  • 2beds
  • 3baths
  • 1,310sqft

5412 Calle Sandwaves #169, San Diego

5484 Seacliff Place #47, San Diego, CA, 92154 — assumable VA mortgage at 6.89%
VA
Active
31
$699,999$28,794 equity gap
Rate
6.89%
7.40%today
Payment
$4,513/mo
$4,749today
  • 4beds
  • 4baths
  • 1,785sqft

5484 Seacliff Place #47, San Diego

5252 Beachfront #196, San Diego, CA, 92154 — assumable FHA mortgage at 6.93%
FHA
Active
2
$599,000Potential short sale
Rate
6.93%
7.40%today
Payment
$4,216/mo
$4,419today
  • 2beds
  • 3baths
  • 1,310sqft

5252 Beachfront #196, San Diego

5280 Beachfront Cove #241, San Diego, CA, 92154 — assumable VA mortgage at 7.29%
VA
Active
27
$599,000Potential short sale
Rate
7.29%
7.40%today
Payment
$4,378/mo
$4,426today
  • 4beds
  • 3baths
  • 1,696sqft

5280 Beachfront Cove #241, San Diego

5494 Seacliff Place #55, San Diego, CA, 92154 — assumable VA mortgage at 7.44%
VA
Active
33
$590,000$12,234 equity gap
Rate
7.44%
7.40%today
Payment
$4,125/mo
$4,109today
  • 2beds
  • 3baths
  • 1,309sqft

5494 Seacliff Place #55, San Diego

5480 Seacliff Place #39, San Diego, CA, 92154 — assumable VA mortgage at 5.51%
VA
Active
34
$679,900$103,713 equity gap
Rate
5.51%
7.40%today
Payment
$3,479/mo
$4,237today
  • 4beds
  • 4baths
  • 1,946sqft

5480 Seacliff Place #39, San Diego

682 Vista San Pedro Martir, San Diego, CA, 92154 — assumable VA mortgage at 4.28%
VA
Active
42
$1,050,000$668,594 equity gap
Rate
4.28%
7.40%today
Payment
$2,567/mo
$3,600today
  • 4beds
  • 3baths
  • 2,409sqft

682 Vista San Pedro Martir, San Diego

4385 Powderhorn Drive, San Diego, CA, 92154 — assumable FHA mortgage at 5.78%
FHA
Active
32
$779,900$135,643 equity gap
Rate
5.78%
7.40%today
Payment
$3,995/mo
$4,725today
  • 4beds
  • 2baths
  • 1,367sqft

4385 Powderhorn Drive, San Diego

5464 Seacliff #25, San Diego, CA, 92154 — assumable VA mortgage at 6.33%
VA
Active
49
$639,990$42,333 equity gap
Rate
6.33%
7.40%today
Payment
$3,881/mo
$4,328today
  • 4beds
  • 4baths
  • 1,785sqft

5464 Seacliff #25, San Diego

3974 Daves Way, San Diego, CA, 92154 — assumable FHA mortgage at 6.72%
FHA
Active
26
$824,999$53,080 equity gap
Rate
6.72%
7.40%today
Payment
$5,079/mo
$5,439today
  • 4beds
  • 3baths
  • 1,518sqft

3974 Daves Way, San Diego

5526 Santa Alicia, San Diego, CA, 92154 — assumable FHA mortgage at 7.76%
FHA
Active
30
$630,000$36,420 equity gap
Rate
7.76%
7.40%today
Payment
$4,366/mo
$4,215today
  • 3beds
  • 3baths
  • 1,334sqft

5526 Santa Alicia, San Diego

5232 Beachfront #71, San Diego, CA, 92154 — assumable FHA mortgage at 6.26%
FHA
Active
36
$639,000$122,502 equity gap
Rate
6.26%
7.40%today
Payment
$3,205/mo
$3,600today
  • 4beds
  • 3baths
  • 1,702sqft

5232 Beachfront #71, San Diego

2033 Dairy Mart Rd #6, San Ysidro, CA, 92173 — assumable VA mortgage at 6.46%
VA
Active
43
$425,000$52,084 equity gap
Rate
6.46%
7.40%today
Payment
$2,398/mo
$2,638today
  • 2beds
  • 2baths
  • 729sqft

2033 Dairy Mart Rd #6, San Ysidro

771 Abby Dr. ##4, Chula Vista, CA, 91911 — assumable FHA mortgage at 6.62%
FHA
Active
37
$694,900$71,915 equity gap
Rate
6.62%
7.40%today
Payment
$4,096/mo
$4,432today
  • 4beds
  • 4baths
  • 1,810sqft

771 Abby Dr. ##4, Chula Vista

4829 Sea Water Ln, San Diego, CA, 92154 — assumable VA mortgage at 6.26%
VA
Active
61
$1,150,000$296,358 equity gap
Rate
6.26%
7.40%today
Payment
$5,313/mo
$5,968today
  • 4beds
  • 3baths
  • 2,971sqft

4829 Sea Water Ln, San Diego

1640 Maple Drive #2, Chula Vista, CA, 91911 — assumable FHA mortgage at 6.71%
FHA
Active
32
$549,999$147,536 equity gap
Rate
6.71%
7.40%today
Payment
$2,696/mo
$2,889today
  • 3beds
  • 2baths
  • 1,800sqft

1640 Maple Drive #2, Chula Vista

3008 Hires Way, San Diego, CA, 92173 — assumable FHA mortgage at 6.85%
FHA
Active
42
$780,000$192,990 equity gap
Rate
6.85%
7.40%today
Payment
$3,932/mo
$4,154today
  • 3beds
  • 2baths
  • 1,148sqft

3008 Hires Way, San Diego

1712 San Francisco, San Diego, CA, 92154 — assumable VA mortgage at 6.19%
VA
Active
18
$599,999Potential short sale
Rate
6.19%
7.40%today
Payment
$4,099/mo
$4,639today
  • 4beds
  • 4baths
  • 1,559sqft

1712 San Francisco, San Diego

Assuming a mortgage in San Diego

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 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.77%
Lowest existing payment
$695 /mo
Median cash to assume
$129,072
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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