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Assumable homes for sale in Bakersfield, CA

43 homesFHA & VA loansrates from 2.72% vs 7.32% today

Bakersfield assumption guide
2512 Moffitt Way, Bakersfield, CA, 93309 — assumable VA mortgage at 3.09%
VA
Active
59
$475,000$66,205 equity gap
Rate
3.09%
7.32%today
Payment
$1,941/mo
$3,126today
  • 3beds
  • 2baths
  • 2,136sqft

2512 Moffitt Way, Bakersfield

5105 Kathimae, Bakersfield, CA, 93313 — assumable FHA mortgage at 2.72%
FHA
Active
43
$399,999$185,085 equity gap
Rate
2.72%
7.32%today
Payment
$1,007/mo
$1,701today
  • 3beds
  • 3baths
  • 2,248sqft

5105 Kathimae, Bakersfield

4705 Millbrook, Bakersfield, CA, 93313 — assumable FHA mortgage at 2.86%
FHA
Active
10
$315,000$131,317 equity gap
Rate
2.86%
7.32%today
Payment
$854/mo
$1,416today
  • 3beds
  • 2baths
  • 1,228sqft

4705 Millbrook, Bakersfield

159 A Street, Bakersfield, CA, 93304 — assumable FHA mortgage at 2.97%
FHA
Active
53
$419,900$200,787 equity gap
Rate
2.97%
7.32%today
Payment
$1,043/mo
$1,705today
  • 4beds
  • 3baths
  • 2,138sqft

159 A Street, Bakersfield

231 Winter Meadow, Bakersfield, CA, 93308 — assumable FHA mortgage at 3.05%
FHA
Active
32
$374,900$240,263 equity gap
Rate
3.05%
7.32%today
Payment
$714/mo
$1,103today
  • 4beds
  • 2baths
  • 1,835sqft

231 Winter Meadow, Bakersfield

316 Western, Bakersfield, CA, 93309 — assumable FHA mortgage at 3.26%
FHA
Active
14
$315,000$136,494 equity gap
Rate
3.26%
7.32%today
Payment
$899/mo
$1,416today
  • 4beds
  • 1baths
  • 1,274sqft

316 Western, Bakersfield

6119 Pilar Way, Bakersfield, CA, 93306 — assumable FHA mortgage at 3.37%
FHA
Active
44
$395,999$288,220 equity gap
Rate
3.37%
7.32%today
Payment
$716/mo
$1,113today
  • 4beds
  • 3baths
  • 2,289sqft

6119 Pilar Way, Bakersfield

3106 st thomas way, Bakersfield, CA, 93306 — assumable FHA mortgage at 3.40%
FHA
Active
38
$374,900$293,126 equity gap
Rate
3.40%
7.32%today
Payment
$544/mo
$843today
  • 4beds
  • 2baths
  • 1,518sqft

3106 st thomas way, Bakersfield

9614 Silver Falls Lane, Shafter, CA, 93263 — assumable FHA mortgage at 3.73%
FHA
Active
36
$399,900$153,498 equity gap
Rate
3.73%
7.32%today
Payment
$1,305/mo
$1,940today
  • 3beds
  • 2baths
  • 1,654sqft

9614 Silver Falls Lane, Shafter

2404 Sosa Drive, Bakersfield, CA, 93313 — assumable FHA mortgage at 3.80%
FHA
Active
23
$419,999$309,969 equity gap
Rate
3.80%
7.32%today
Payment
$769/mo
$1,133today
  • 4beds
  • 2baths
  • 2,048sqft

2404 Sosa Drive, Bakersfield

11418 Pacific Harbor Avenue, Bakersfield, CA, 93312 — assumable FHA mortgage at 4.04%
FHA
Active
45
$450,000$249,366 equity gap
Rate
4.04%
7.32%today
Payment
$1,266/mo
$1,812today
  • 4beds
  • 3baths
  • 2,301sqft

11418 Pacific Harbor Avenue, Bakersfield

4607 Polo Club Drive, Bakersfield, CA, 93312 — assumable FHA mortgage at 4.42%
FHA
Active
42
$452,500$141,634 equity gap
Rate
4.42%
7.32%today
Payment
$1,689/mo
$2,312today
  • 4beds
  • 2baths
  • 1,860sqft

4607 Polo Club Drive, Bakersfield

6705 Tiber River, Bakersfield, CA, 93308 — assumable VA mortgage at 6.21%
VA
Active
59
$490,000Potential short sale
Rate
6.21%
7.32%today
Payment
$3,141/mo
$3,519today
  • 4beds
  • 2baths
  • 2,251sqft

6705 Tiber River, Bakersfield

8709 White Rock Drive, Bakersfield, CA, 93312 — assumable FHA mortgage at 6.71%
FHA
Active
46
$370,000$10,151 equity gap
Rate
6.71%
7.32%today
Payment
$2,410/mo
$2,563today
  • 3beds
  • 2baths
  • 1,456sqft

8709 White Rock Drive, Bakersfield

3305 Dwight Street, Bakersfield, CA, 93306 — assumable FHA mortgage at 6.72%
FHA
Active
43
$339,999Potential short sale
Rate
6.72%
7.32%today
Payment
$2,216/mo
$2,354today
  • 5beds
  • 2baths
  • 1,790sqft

3305 Dwight Street, Bakersfield

2137 Sacramento, Bakersfield, CA, 93305 — assumable FHA mortgage at 5.09%
FHA
Active
31
$355,000$102,319 equity gap
Rate
5.09%
7.32%today
Payment
$1,464/mo
$1,855today
  • 2beds
  • 2baths
  • 1,271sqft

2137 Sacramento, Bakersfield

12210 Rushville Court, Bakersfield, CA, 93312 — assumable VA mortgage at 4.34%
VA
Active
43
$525,000$261,311 equity gap
Rate
4.34%
7.32%today
Payment
$1,778/mo
$2,456today
  • 4beds
  • 2baths
  • 2,450sqft

12210 Rushville Court, Bakersfield

524 B Street, Bakersfield, CA, 93304 — assumable FHA mortgage at 6.50%
FHA
Active
66
$378,999$33,806 equity gap
Rate
6.50%
7.32%today
Payment
$2,215/mo
$2,408today
  • 3beds
  • 3baths
  • 1,595sqft

524 B Street, Bakersfield

3999 Marella Way, Bakersfield, CA, 93309 — assumable FHA mortgage at 6.82%
FHA
Active
29
$349,900$34,204 equity gap
Rate
6.82%
7.32%today
Payment
$2,117/mo
$2,226today
  • 3beds
  • 2baths
  • 1,714sqft

3999 Marella Way, Bakersfield

5205 Gorham Way, Bakersfield, CA, 93309 — assumable VA mortgage at 6.86%
VA
Active
29
$290,000$25,835 equity gap
Rate
6.86%
7.32%today
Payment
$1,771/mo
$1,855today
  • 2beds
  • 2baths
  • 1,332sqft

5205 Gorham Way, Bakersfield

6100 Pizarro, Bakersfield, CA, 93307 — assumable FHA mortgage at 6.88%
FHA
Active
29
$399,000$39,790 equity gap
Rate
6.88%
7.32%today
Payment
$2,420/mo
$2,529today
  • 3beds
  • 2baths
  • 1,436sqft

6100 Pizarro, Bakersfield

6225 Galanos Court, Bakersfield, CA, 93313 — assumable FHA mortgage at 6.11%
FHA
Active
36
$499,000$98,999 equity gap
Rate
6.11%
7.32%today
Payment
$2,552/mo
$2,890today
  • 4beds
  • 3baths
  • 2,500sqft

6225 Galanos Court, Bakersfield

3813 Rockcastle, Bakersfield, CA, 93309 — assumable FHA mortgage at 6.15%
FHA
Active
24
$370,000$41,512 equity gap
Rate
6.15%
7.32%today
Payment
$2,093/mo
$2,360today
  • 3beds
  • 2baths
  • 1,414sqft

3813 Rockcastle, Bakersfield

625 Meadow Grove Ct, Bakersfield, CA, 93308 — assumable FHA mortgage at 6.27%
FHA
Active
32
$360,000$49,941 equity gap
Rate
6.27%
7.32%today
Payment
$1,999/mo
$2,226today
  • 3beds
  • 2baths
  • 1,412sqft

625 Meadow Grove Ct, Bakersfield

12014 Roaring River Avenue, Bakersfield, CA, 93311 — assumable FHA mortgage at 6.33%
FHA
Active
$519,000$81,891 equity gap
Rate
6.33%
7.32%today
Payment
$2,835/mo
$3,136today
  • 4beds
  • 2baths
  • 2,575sqft

12014 Roaring River Avenue, Bakersfield

1716 Maurice Avenue, Bakersfield, CA, 93304 — assumable VA mortgage at 6.48%
VA
Active
41
$370,000$63,650 equity gap
Rate
6.48%
7.32%today
Payment
$2,018/mo
$2,198today
  • 3beds
  • 2baths
  • 1,444sqft

1716 Maurice Avenue, Bakersfield

1405 Chester Avenue, Bakersfield, CA, 93301 — assumable FHA mortgage at 6.71%
FHA
Active
24
$299,000$35,742 equity gap
Rate
6.71%
7.32%today
Payment
$1,763/mo
$1,875today
  • 3beds
  • 2baths
  • 1,169sqft

1405 Chester Avenue, Bakersfield

4501 Highland Hills, Bakersfield, CA, 93308 — assumable FHA mortgage at 6.76%
FHA
Active
32
$314,000$44,461 equity gap
Rate
6.76%
7.32%today
Payment
$1,770/mo
$1,873today
  • 3beds
  • 2baths
  • 1,133sqft

4501 Highland Hills, Bakersfield

1500 Palm, Bakersfield, CA, 93305 — assumable FHA mortgage at 6.86%
FHA
Active
19
$475,000$90,732 equity gap
Rate
6.86%
7.32%today
Payment
$2,576/mo
$2,698today
  • 3beds
  • 2baths
  • 1,450sqft

1500 Palm, Bakersfield

336 T, Bakersfield, CA, 93304 — assumable FHA mortgage at 6.87%
FHA
Active
26
$350,000$42,272 equity gap
Rate
6.87%
7.32%today
Payment
$2,063/mo
$2,158today
  • 3beds
  • 2baths
  • 1,583sqft

336 T, Bakersfield

14408 San Esteban, Bakersfield, CA, 93314 — assumable FHA mortgage at 6.87%
FHA
Active
17
$499,999$54,229 equity gap
Rate
6.87%
7.32%today
Payment
$2,971/mo
$3,109today
  • 4beds
  • 3baths
  • 2,172sqft

14408 San Esteban, Bakersfield

4010 Eton Street, Bakersfield, CA, 93306 — assumable FHA mortgage at 4.72%
FHA
Active
2
$299,000Potential short sale
Rate
4.72%
7.32%today
Payment
$1,827/mo
$2,415today
  • 3beds
  • 2baths
  • 1,765sqft

4010 Eton Street, Bakersfield

208 Brink DR, Bakersfield, CA, 93304 — assumable FHA mortgage at 6.27%
FHA
Active
12
$540,000$112,493 equity gap
Rate
6.27%
7.32%today
Payment
$2,757/mo
$3,069today
  • —beds
  • —baths
  • 2,552sqft

208 Brink DR, Bakersfield

7412 Olive Drive, Bakersfield, CA, 93308 — assumable FHA mortgage at 6.29%
FHA
Active
61
$459,999$123,455 equity gap
Rate
6.29%
7.32%today
Payment
$2,185/mo
$2,427today
  • 3beds
  • 2baths
  • 1,873sqft

7412 Olive Drive, Bakersfield

4101 Skye, Bakersfield, CA, 93308 — assumable VA mortgage at 6.37%
VA
Active
44
$348,000$96,468 equity gap
Rate
6.37%
7.32%today
Payment
$1,571/mo
$1,731today
  • 3beds
  • 2baths
  • 1,494sqft

4101 Skye, Bakersfield

9021 Drovers Run, Bakersfield, CA, 93311 — assumable VA mortgage at 6.64%
VA
Active
41
$549,900$127,625 equity gap
Rate
6.64%
7.32%today
Payment
$2,746/mo
$2,941today
  • 4beds
  • 3baths
  • 2,133sqft

9021 Drovers Run, Bakersfield

Assuming a mortgage in Bakersfield

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
$467 /mo
Median cash to assume
$98,999
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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