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Assumable homes for sale in Sonora, CA

21 homesFHA & VA loansrates from 2.25% vs 7.32% today

Sonora assumption guide
19819 Soulsbyville Rd, Soulsbyville, CA, 95372 — assumable VA mortgage at 2.70%
VA
Active
23
$400,000$74,702 equity gap
Rate
2.70%
7.32%today
Payment
$1,521/mo
$2,576today
  • 3beds
  • 3baths
  • 1,880sqft

19819 Soulsbyville Rd, Soulsbyville

20456 Misty Ln, Tuolumne, CA, 95379 — assumable FHA mortgage at 2.96%
FHA
Active
22
$299,000$32,656 equity gap
Rate
2.96%
7.32%today
Payment
$1,260/mo
$2,064today
  • 3beds
  • 2baths
  • 1,344sqft

20456 Misty Ln, Tuolumne

21871 Fallview, Sonora, CA, 95370 — assumable VA mortgage at 2.79%
VA
Active
24
$369,000$74,963 equity gap
Rate
2.79%
7.32%today
Payment
$1,375/mo
$2,302today
  • 3beds
  • 2baths
  • 1,920sqft

21871 Fallview, Sonora

21710 Hyde Street, Sonora, CA, 95370-6954 — assumable VA mortgage at 2.25%
VA
Active
52
$475,000$183,197 equity gap
Rate
2.25%
7.32%today
Payment
$1,337/mo
$2,402today
  • 3beds
  • 2baths
  • 1,977sqft

21710 Hyde Street, Sonora

20807 Sun Swept Dr, Tuolumne, CA, 95379 — assumable VA mortgage at 2.86%
VA
Active
49
$599,000$202,141 equity gap
Rate
2.86%
7.32%today
Payment
$1,845/mo
$3,060today
  • 3beds
  • 2baths
  • 1,684sqft

20807 Sun Swept Dr, Tuolumne

23593 Lakewood Dr, Twain Harte, CA, 95383 — assumable VA mortgage at 3.29%
VA
Active
57
$379,000$146,185 equity gap
Rate
3.29%
7.32%today
Payment
$1,181/mo
$1,855today
  • 3beds
  • 2baths
  • 1,344sqft

23593 Lakewood Dr, Twain Harte

16992 Clouds Rest Rd, Soulsbyville, CA, 95372 — assumable FHA mortgage at 3.01%
FHA
Active
52
$329,000$223,015 equity gap
Rate
3.01%
7.32%today
Payment
$501/mo
$815today
  • 3beds
  • 2baths
  • 1,274sqft

16992 Clouds Rest Rd, Soulsbyville

14201 Hillview Ct, Sonora, CA, 95370 — assumable FHA mortgage at 3.33%
FHA
Active
56
$495,000$203,482 equity gap
Rate
3.33%
7.32%today
Payment
$1,481/mo
$2,315today
  • 3beds
  • 3baths
  • 2,128sqft

14201 Hillview Ct, Sonora

18955 North Dr, Jamestown, CA, 95327 — assumable FHA mortgage at 3.58%
FHA
Active
21
$295,000$124,760 equity gap
Rate
3.58%
7.32%today
Payment
$904/mo
$1,369today
  • 2beds
  • 1baths
  • 988sqft

18955 North Dr, Jamestown

16620 Charles Otter Dr, Sonora, CA, 95370 — assumable FHA mortgage at 3.95%
FHA
Active
48
$499,000$354,419 equity gap
Rate
3.95%
7.32%today
Payment
$1,041/mo
$1,506today
  • 3beds
  • 3baths
  • 2,317sqft

16620 Charles Otter Dr, Sonora

20145 Chapel Dr, Tuolumne, CA, 95379 — assumable VA mortgage at 6.85%
VA
Active
39
$399,950Potential short sale
Rate
6.85%
7.32%today
Payment
$2,875/mo
$3,013today
  • 3beds
  • 3baths
  • 2,400sqft

20145 Chapel Dr, Tuolumne

20562 Tanner Dr, Soulsbyville, CA, 95372 — assumable FHA mortgage at 5.52%
FHA
Active
$339,000$16,807 equity gap
Rate
5.52%
7.32%today
Payment
$1,950/mo
$2,354today
  • 2beds
  • 1baths
  • 1,224sqft

20562 Tanner Dr, Soulsbyville

18598 Vista Dr, Jamestown, CA, 95327 — assumable FHA mortgage at 4.32%
FHA
Active
25
$385,000$364,703 equity gap
Rate
4.32%
7.32%today
Payment
$153/mo
$212today
  • 3beds
  • 2baths
  • 1,721sqft

18598 Vista Dr, Jamestown

18223 Hammer Lane, Tuolumne, CA, 95379 — assumable FHA mortgage at 4.46%
FHA
Active
26
$299,000$157,188 equity gap
Rate
4.46%
7.32%today
Payment
$852/mo
$1,160today
  • 3beds
  • 2baths
  • 1,400sqft

18223 Hammer Lane, Tuolumne

19533 Rawhide Rd, Sonora, CA, 95370 — assumable VA mortgage at 6.96%
VA
Active
63
$498,000$33,891 equity gap
Rate
6.96%
7.32%today
Payment
$3,121/mo
$3,236today
  • 3beds
  • 2baths
  • 1,720sqft

19533 Rawhide Rd, Sonora

19813 Via Redonda Rd, Sonora, CA, 95370-0000 — assumable VA mortgage at 6.22%
VA
Active
62
$530,000$88,407 equity gap
Rate
6.22%
7.32%today
Payment
$2,734/mo
$3,060today
  • 3beds
  • 2baths
  • 1,578sqft

19813 Via Redonda Rd, Sonora

18162 9th Avenue, Jamestown, CA, 95327 — assumable FHA mortgage at 6.50%
FHA
Active
32
$235,000$61,421 equity gap
Rate
6.50%
7.32%today
Payment
$1,202/mo
$1,295today
  • 4beds
  • 2baths
  • 1,620sqft

18162 9th Avenue, Jamestown

22501 Rhine River Dr, Sonora, CA, 95370 — assumable FHA mortgage at 6.94%
FHA
Active
49
$470,000$106,484 equity gap
Rate
6.94%
7.32%today
Payment
$2,461/mo
$2,556today
  • 4beds
  • 3baths
  • 2,032sqft

22501 Rhine River Dr, Sonora

21473 Eel River Dr, Sonora, CA, 95370 — assumable FHA mortgage at 7.07%
FHA
Active
28
$324,900$83,699 equity gap
Rate
7.07%
7.32%today
Payment
$1,668/mo
$1,710today
  • 4beds
  • 2baths
  • 1,352sqft

21473 Eel River Dr, Sonora

21639 Crystal Lake Dr, Sonora, CA, 95370 — assumable FHA mortgage at 6.50%
FHA
Active
$499,000$151,058 equity gap
Rate
6.50%
7.32%today
Payment
$2,220/mo
$2,412today
  • 3beds
  • 2baths
  • 1,728sqft

21639 Crystal Lake Dr, Sonora

20582 Eureka Dr, Sonora, CA, 95370 — assumable FHA mortgage at 6.27%
FHA
Active
48
$469,000$445,614 equity gap
Rate
6.27%
7.32%today
Payment
$155/mo
$172today
  • 3beds
  • 2baths
  • 2,060sqft

20582 Eureka Dr, Sonora

Assuming a mortgage in Sonora

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
$501 /mo
Median cash to assume
$135,473
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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