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Assumable homes for sale in San Diego, CA

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

San Diego assumption guide
5710 Greycourt, San Diego, CA, 92114 — assumable VA mortgage at 3.76%
VA
Active
26
$779,900$30,874 equity gap
Rate
3.76%
7.40%today
Payment
$3,795/mo
$5,666today
  • 3beds
  • 2baths
  • 1,401sqft

5710 Greycourt, San Diego

8840 Milburn Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 2.79%
VA
Active
40
$825,000$226,344 equity gap
Rate
2.79%
7.40%today
Payment
$2,774/mo
$4,680today
  • 5beds
  • 3baths
  • 2,148sqft

8840 Milburn Avenue, Spring Valley

405 61st Street, San Diego, CA, 92114 — assumable VA mortgage at 3.05%
VA
Active
41
$699,900$148,863 equity gap
Rate
3.05%
7.40%today
Payment
$2,604/mo
$4,250today
  • 3beds
  • 3baths
  • 1,400sqft

405 61st Street, San Diego

528 Carlsbad Street, Spring Valley, CA, 91977 — assumable VA mortgage at 2.77%
VA
Active
23
$625,000$234,306 equity gap
Rate
2.77%
7.40%today
Payment
$1,802/mo
$3,049today
  • 3beds
  • 2baths
  • 1,056sqft

528 Carlsbad Street, Spring Valley

2083 Manzana Way, San Diego, CA, 92139 — assumable VA mortgage at 2.86%
VA
Active
47
$674,900$236,227 equity gap
Rate
2.86%
7.40%today
Payment
$2,097/mo
$3,506today
  • 4beds
  • 3baths
  • 1,555sqft

2083 Manzana Way, San Diego

2948 Lucia Jade Loop, San Diego, CA, 92139 — assumable VA mortgage at 2.97%
VA
Active
47
$990,000$359,442 equity gap
Rate
2.97%
7.40%today
Payment
$3,008/mo
$4,958today
  • 4beds
  • 3baths
  • 2,221sqft

2948 Lucia Jade Loop, San Diego

2860 Carmar Way, San Diego, CA, 92139 — assumable VA mortgage at 2.98%
VA
Active
33
$849,999$299,957 equity gap
Rate
2.98%
7.40%today
Payment
$2,676/mo
$4,406today
  • 4beds
  • 3baths
  • 1,668sqft

2860 Carmar Way, San Diego

425 Meadowbrook Dr #123, San Diego, CA, 92114 — assumable VA mortgage at 3.08%
VA
Active
44
$699,900$229,580 equity gap
Rate
3.08%
7.40%today
Payment
$2,270/mo
$3,690today
  • 3beds
  • 3baths
  • 1,535sqft

425 Meadowbrook Dr #123, San Diego

6856 Parkside Avenue, San Diego, CA, 92139 — assumable FHA mortgage at 2.87%
FHA
Active
29
$535,000$230,352 equity gap
Rate
2.87%
7.40%today
Payment
$1,454/mo
$2,429today
  • 3beds
  • 2baths
  • 1,144sqft

6856 Parkside Avenue, San Diego

144 Kenyatta, San Diego, CA, 92114 — assumable FHA mortgage at 3.59%
FHA
Active
26
$899,000$759,057 equity gap
Rate
3.59%
7.40%today
Payment
$956/mo
$1,457today
  • 4beds
  • 2baths
  • 1,908sqft

144 Kenyatta, San Diego

2463 Rancho Drive, San Diego, CA, 92139 — assumable VA mortgage at 3.62%
VA
Active
25
$720,000$383,424 equity gap
Rate
3.62%
7.40%today
Payment
$1,774/mo
$2,695today
  • 3beds
  • 2baths
  • 1,185sqft

2463 Rancho Drive, San Diego

421 Parkbrook Street, Spring Valley, CA, 91977 — assumable VA mortgage at 3.65%
VA
Active
15
$675,000$288,403 equity gap
Rate
3.65%
7.40%today
Payment
$2,058/mo
$3,114today
  • 3beds
  • 2baths
  • 1,444sqft

421 Parkbrook Street, Spring Valley

1629 Manzana Way, San Diego, CA, 92139 — assumable VA mortgage at 3.95%
VA
Active
38
$685,000$483,079 equity gap
Rate
3.95%
7.40%today
Payment
$1,186/mo
$1,731today
  • 4beds
  • 3baths
  • 1,552sqft

1629 Manzana Way, San Diego

3031 Plaza Natalia, Bonita, CA, 91902 — assumable VA mortgage at 4.06%
VA
Active
52
$649,900$302,066 equity gap
Rate
4.06%
7.40%today
Payment
$2,048/mo
$2,949today
  • 4beds
  • 3baths
  • 1,700sqft

3031 Plaza Natalia, Bonita

439 Verde Ridge, Spring Valley, CA, 91977 — assumable FHA mortgage at 4.36%
FHA
Active
25
$499,999$434,597 equity gap
Rate
4.36%
7.40%today
Payment
$516/mo
$717today
  • 2beds
  • 2baths
  • 1,024sqft

439 Verde Ridge, Spring Valley

2726 Landscape Drive, San Diego, CA, 92139 — assumable VA mortgage at 6.10%
VA
Active
32
$965,000$64,464 equity gap
Rate
6.10%
7.40%today
Payment
$5,484/mo
$6,266today
  • 4beds
  • 3baths
  • 1,664sqft

2726 Landscape Drive, San Diego

5949 Tonawanda Drive, San Diego, CA, 92139 — assumable FHA mortgage at 6.35%
FHA
Active
38
$750,000$43,940 equity gap
Rate
6.35%
7.40%today
Payment
$4,491/mo
$4,997today
  • 3beds
  • 2baths
  • 1,568sqft

5949 Tonawanda Drive, San Diego

3040 Alta View Drive #106, San Diego, CA, 92139 — assumable VA mortgage at 6.42%
VA
Active
29
$458,000$64,911 equity gap
Rate
6.42%
7.40%today
Payment
$2,566/mo
$2,834today
  • 2beds
  • 1baths
  • 844sqft

3040 Alta View Drive #106, San Diego

1934 Altamont, San Diego, CA, 92139 — assumable FHA mortgage at 6.58%
FHA
Active
40
$820,000$106,558 equity gap
Rate
6.58%
7.40%today
Payment
$4,593/mo
$4,990today
  • 4beds
  • 2baths
  • 1,768sqft

1934 Altamont, San Diego

6986 Pembridge Lane, San Diego, CA, 92139 — assumable FHA mortgage at 5.70%
FHA
Active
29
$749,000$160,838 equity gap
Rate
5.70%
7.40%today
Payment
$3,619/mo
$4,317today
  • 4beds
  • 3baths
  • 1,771sqft

6986 Pembridge Lane, San Diego

2628 Fenton Pl, National City, CA, 91950 — assumable VA mortgage at 6.15%
VA
Active
52
$899,000$222,997 equity gap
Rate
6.15%
7.40%today
Payment
$4,143/mo
$4,708today
  • 3beds
  • 3baths
  • 1,376sqft

2628 Fenton Pl, National City

2458 Calle Tortuosa, San Diego, CA, 92139 — assumable VA mortgage at 6.50%
VA
Active
49
$889,000$210,545 equity gap
Rate
6.50%
7.40%today
Payment
$4,345/mo
$4,760today
  • 4beds
  • 3baths
  • 1,880sqft

2458 Calle Tortuosa, San Diego

6516 Omega Dr, San Diego, CA, 92139 — assumable VA mortgage at 6.95%
VA
Active
28
$500,000$107,958 equity gap
Rate
6.95%
7.40%today
Payment
$2,704/mo
$2,828today
  • 2beds
  • 2baths
  • 1,012sqft

6516 Omega Dr, San Diego

7242 Peter Pan Ave, San Diego, CA, 92114 — assumable FHA mortgage at 5.53%
FHA
Active
15
$735,000$613,982 equity gap
Rate
5.53%
7.40%today
Payment
$1,125/mo
$1,367today
  • 3beds
  • 2baths
  • 1,596sqft

7242 Peter Pan Ave, San Diego

7016 Appian Dr, San Diego, CA, 92139 — assumable FHA mortgage at 6.09%
FHA
Active
21
$619,900$271,538 equity gap
Rate
6.09%
7.40%today
Payment
$39,696/mo
$39,974today
  • 3beds
  • 2baths
  • 1,222sqft

7016 Appian Dr, San Diego

1761 Olamar Way, San Diego, CA, 92139 — assumable VA mortgage at 6.11%
VA
Active
9
$739,000$381,525 equity gap
Rate
6.11%
7.40%today
Payment
$2,618/mo
$2,896today
  • 3beds
  • 2baths
  • 1,446sqft

1761 Olamar Way, San Diego

3804 Willows Way, National City, CA, 91950 — assumable FHA mortgage at 6.76%
FHA
Active
52
$560,000$321,020 equity gap
Rate
6.76%
7.40%today
Payment
$1,571/mo
$1,676today
  • 2beds
  • 2baths
  • 1,350sqft

3804 Willows Way, National City

738 Carlsbad Street, Spring Valley, CA, 91977 — assumable VA mortgage at 6.87%
VA
Active
30
$649,999Potential short sale
Rate
6.87%
7.40%today
Payment
$4,929/mo
$5,198today
  • 3beds
  • 2baths
  • 1,056sqft

738 Carlsbad Street, Spring Valley

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
$516 /mo
Median cash to assume
$234,306
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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