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Assumable homes for sale in Spring Valley, CA

20 homesVA & FHA loansrates from 2.72% vs 7.32% today

Spring Valley assumption guide
1617 La Presa Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 3.09%
VA
Active
21
$800,000$92,673 equity gap
Rate
3.09%
7.32%today
Payment
$3,358/mo
$5,409today
  • 3beds
  • 3baths
  • 1,646sqft

1617 La Presa Avenue, Spring Valley

1227 Cuyamaca Ave, Spring Valley, CA, 91977 — assumable VA mortgage at 2.93%
VA
Active
23
$840,000$205,597 equity gap
Rate
2.93%
7.32%today
Payment
$2,992/mo
$4,919today
  • 4beds
  • 3baths
  • 2,298sqft

1227 Cuyamaca Ave, Spring Valley

9745 Saint George, Spring Valley, CA, 91977 — assumable VA mortgage at 2.97%
VA
Active
25
$689,000$223,323 equity gap
Rate
2.97%
7.32%today
Payment
$2,226/mo
$3,641today
  • 4beds
  • 3baths
  • 1,665sqft

9745 Saint George, Spring Valley

3035 Chipwood Court, Spring Valley, CA, 91978 — assumable FHA mortgage at 3.15%
FHA
Active
40
$515,000$183,519 equity gap
Rate
3.15%
7.32%today
Payment
$1,646/mo
$2,631today
  • 3beds
  • 2baths
  • 1,059sqft

3035 Chipwood Court, Spring Valley

3365 Bonita Street, Spring Valley, CA, 91977 — assumable VA mortgage at 3.69%
VA
Active
51
$849,888$207,669 equity gap
Rate
3.69%
7.32%today
Payment
$3,235/mo
$4,835today
  • 3beds
  • 2baths
  • 1,590sqft

3365 Bonita Street, Spring Valley

1225 San Bernardino Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 2.72%
VA
Active
30
$795,000$466,818 equity gap
Rate
2.72%
7.32%today
Payment
$1,584/mo
$2,643today
  • 3beds
  • 2baths
  • 1,411sqft

1225 San Bernardino Avenue, Spring Valley

2207 Arborvitae Ln, Spring Valley, CA, 91977 — assumable FHA mortgage at 2.78%
FHA
Active
44
$649,000$483,900 equity gap
Rate
2.78%
7.32%today
Payment
$779/mo
$1,305today
  • 3beds
  • 2baths
  • 1,183sqft

2207 Arborvitae Ln, Spring Valley

2716 Lake Pointe Drive #226, Spring Valley, CA, 91977 — assumable FHA mortgage at 3.00%
FHA
Active
38
$498,000$498,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 970sqft

2716 Lake Pointe Drive #226, Spring Valley

3029 Blue Oak Court, Spring Valley, CA, 91978 — assumable VA mortgage at 3.54%
VA
Active
29
$509,900$409,206 equity gap
Rate
3.54%
7.32%today
Payment
$660/mo
$1,005today
  • 3beds
  • 2baths
  • 986sqft

3029 Blue Oak Court, Spring Valley

9860 Dale Avenue #C3, Spring Valley, CA, 91977 — assumable VA mortgage at 3.92%
VA
Active
26
$259,000Potential short sale
Rate
3.92%
7.32%today
Payment
$1,600/mo
$2,324today
  • 1beds
  • 1baths
  • 600sqft

9860 Dale Avenue #C3, Spring Valley

3143 Highlands Blvd, Spring Valley, CA, 91977 — assumable VA mortgage at 5.50%
VA
Active
27
$544,999$59,370 equity gap
Rate
5.50%
7.32%today
Payment
$2,933/mo
$3,549today
  • 2beds
  • 1baths
  • 760sqft

3143 Highlands Blvd, Spring Valley

9811 Eucalyptus Street, Spring Valley, CA, 91977 — assumable FHA mortgage at 6.64%
FHA
Active
57
$799,000Potential short sale
Rate
6.64%
7.32%today
Payment
$5,352/mo
$5,733today
  • 3beds
  • 3baths
  • 1,728sqft

9811 Eucalyptus Street, Spring Valley

719 La Presa Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 6.72%
VA
Active
25
$699,000$21,931 equity gap
Rate
6.72%
7.32%today
Payment
$4,425/mo
$4,701today
  • 3beds
  • 2baths
  • 900sqft

719 La Presa Avenue, Spring Valley

2906 Elm Tree Court, Spring Valley, CA, 91978 — assumable VA mortgage at 6.36%
VA
Active
13
$530,000$50,173 equity gap
Rate
6.36%
7.32%today
Payment
$3,129/mo
$3,450today
  • 3beds
  • 2baths
  • 1,059sqft

2906 Elm Tree Court, Spring Valley

2708 Lake Pointe Drive #212, Spring Valley, CA, 91977 — assumable VA mortgage at 6.81%
VA
Active
28
$504,000$39,561 equity gap
Rate
6.81%
7.32%today
Payment
$3,165/mo
$3,332today
  • 2beds
  • 2baths
  • 1,060sqft

2708 Lake Pointe Drive #212, Spring Valley

3037 Highlands Blvd, Spring Valley, CA, 91977 — assumable VA mortgage at 6.48%
VA
Active
37
$669,000$123,314 equity gap
Rate
6.48%
7.32%today
Payment
$3,595/mo
$3,916today
  • 3beds
  • 2baths
  • 1,397sqft

3037 Highlands Blvd, Spring Valley

2815 Clary St, Spring Valley, CA, 91977 — assumable VA mortgage at 6.57%
VA
Active
28
$599,900$77,894 equity gap
Rate
6.57%
7.32%today
Payment
$3,445/mo
$3,717today
  • 2beds
  • 3baths
  • 1,249sqft

2815 Clary St, Spring Valley

10352 Limetree Lane, Spring Valley, CA, 91977 — assumable FHA mortgage at 4.93%
FHA
Active
12
$800,000$618,429 equity gap
Rate
4.93%
7.32%today
Payment
$1,524/mo
$1,966today
  • 4beds
  • 2baths
  • 1,564sqft

10352 Limetree Lane, Spring Valley

1610 Cuyamaca Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 7.44%
VA
Active
33
$874,900$196,873 equity gap
Rate
7.44%
7.32%today
Payment
$4,832/mo
$4,775today
  • 3beds
  • 2baths
  • 1,550sqft

1610 Cuyamaca Avenue, Spring Valley

2586 Fresh Waters Court, Spring Valley, CA, 91978 — assumable FHA mortgage at 6.32%
FHA
Active
52
$1,249,900$957,336 equity gap
Rate
6.32%
7.32%today
Payment
$1,893/mo
$2,097today
  • 5beds
  • 4baths
  • 2,920sqft

2586 Fresh Waters Court, Spring Valley

Assuming a mortgage in Spring Valley

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
2.72%
Lowest existing payment
$660 /mo
Median cash to assume
$201,235
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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