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Assumable homes for sale in Cardiff by the Sea, CA

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

Cardiff by the Sea assumption guide
9525 Questa Pointe, San Diego, CA, 92126 — assumable VA mortgage at 2.72%
VA
Active
46
$838,800$317,041 equity gap
Rate
2.72%
7.32%today
Payment
$2,445/mo
$4,130today
  • 3beds
  • 3baths
  • 1,433sqft

9525 Questa Pointe, San Diego

895 Slate Street, San Marcos, CA, 92078 — assumable VA mortgage at 2.87%
VA
Active
24
$669,000$230,505 equity gap
Rate
2.87%
7.32%today
Payment
$2,093/mo
$3,468today
  • 2beds
  • 3baths
  • 1,305sqft

895 Slate Street, San Marcos

6617 Spartina Ct, Carlsbad, CA, 92011 — assumable VA mortgage at 2.88%
VA
Active
48
$1,774,000$655,117 equity gap
Rate
2.88%
7.32%today
Payment
$5,213/mo
$8,625today
  • 5beds
  • 5baths
  • 2,786sqft

6617 Spartina Ct, Carlsbad

3830 Elijah #426, San Diego, CA, 92130 — assumable FHA mortgage at 2.72%
FHA
Active
48
$799,000$380,738 equity gap
Rate
2.72%
7.32%today
Payment
$1,955/mo
$3,303today
  • 2beds
  • 2baths
  • 1,102sqft

3830 Elijah #426, San Diego

1159 Elfin Forest, San Marcos, CA, 92078 — assumable FHA mortgage at 2.73%
FHA
Active
37
$749,988$339,861 equity gap
Rate
2.73%
7.32%today
Payment
$1,910/mo
$3,222today
  • 2beds
  • 3baths
  • 1,480sqft

1159 Elfin Forest, San Marcos

12749 Via Las Lenas, San Diego, CA, 92129 — assumable VA mortgage at 2.99%
VA
Active
16
$2,139,999$1,439,728 equity gap
Rate
2.99%
7.32%today
Payment
$3,402/mo
$5,550today
  • 5beds
  • 3baths
  • 2,909sqft

12749 Via Las Lenas, San Diego

2007 Silverado Street, San Marcos, CA, 92078 — assumable VA mortgage at 3.00%
VA
Active
30
$735,000$735,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,570sqft

2007 Silverado Street, San Marcos

930 Via Mil Cumbres #35, Solana Beach, CA, 92075 — assumable FHA mortgage at 4.07%
FHA
Active
22
$949,000$705,932 equity gap
Rate
4.07%
7.32%today
Payment
$1,778/mo
$2,537today
  • 3beds
  • 2baths
  • 1,242sqft

930 Via Mil Cumbres #35, Solana Beach

2351 Terraza Ribera, Carlsbad, CA, 92009 — assumable VA mortgage at 4.48%
VA
Active
28
$1,450,000$736,908 equity gap
Rate
4.48%
7.32%today
Payment
$4,271/mo
$5,804today
  • 5beds
  • 3baths
  • 2,507sqft

2351 Terraza Ribera, Carlsbad

1714 Fairlead Ave, Carlsbad, CA, 92011 — assumable FHA mortgage at 6.95%
FHA
Active
31
$975,000$155,756 equity gap
Rate
6.95%
7.32%today
Payment
$5,541/mo
$5,750today
  • 3beds
  • 3baths
  • 1,410sqft

1714 Fairlead Ave, Carlsbad

749 Almond Rd, San Marcos, CA, 92078 — assumable FHA mortgage at 5.62%
FHA
Active
35
$675,000$534,693 equity gap
Rate
5.62%
7.32%today
Payment
$1,760/mo
$2,102today
  • 3beds
  • 3baths
  • 1,238sqft

749 Almond Rd, San Marcos

581 Silver Berry Place, Encinitas, CA, 92024 — assumable VA mortgage at 6.58%
VA
Active
20
$899,000$271,380 equity gap
Rate
6.58%
7.32%today
Payment
$4,041/mo
$4,355today
  • 2beds
  • 2baths
  • 929sqft

581 Silver Berry Place, Encinitas

7007 Via Padilla, Carlsbad, CA, 92009 — assumable FHA mortgage at 6.27%
FHA
Active
75
$1,699,000$1,264,750 equity gap
Rate
6.27%
7.32%today
Payment
$2,800/mo
$3,117today
  • 4beds
  • 3baths
  • 2,372sqft

7007 Via Padilla, Carlsbad

7360 Calle Cristobal #108, San Diego, CA, 92126 — assumable VA mortgage at 6.50%
VA
Active
47
$628,888$628,888 equity gap
Rate
6.50%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,114sqft

7360 Calle Cristobal #108, San Diego

Assuming a mortgage in Cardiff by the Sea

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
$1,760 /mo
Median cash to assume
$581,791
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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