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Assumable homes for sale in Carlsbad, CA

74 homesVA & FHA loansrates from 2.66% vs 7.32% today

Carlsbad assumption guide
801 Yankee Point Way, Oceanside, CA, 92058 — assumable VA mortgage at 2.87%
VATop pick
Active
14
$440,000$22,623 equity gap
Rate
2.87%
7.32%today
Payment
$1,951/mo
$3,233today
  • 2beds
  • 2baths
  • 1,104sqft

801 Yankee Point Way, Oceanside

175 Avenida Descanso #108, Oceanside, CA, 92057 — assumable VA mortgage at 2.81%
VA
Active
19
$365,000$97,514 equity gap
Rate
2.81%
7.32%today
Payment
$1,263/mo
$2,108today
  • 2beds
  • 1baths
  • 741sqft

175 Avenida Descanso #108, Oceanside

1967 Spanish Oak Way, Vista, CA, 92081 — assumable VA mortgage at 2.86%
VA
Active
34
$1,050,000$266,469 equity gap
Rate
2.86%
7.32%today
Payment
$3,642/mo
$6,042today
  • 3beds
  • 3baths
  • 1,665sqft

1967 Spanish Oak Way, Vista

1525 Wildgrove Ave, Vista, CA, 92081 — assumable VA mortgage at 2.94%
VA
Active
37
$935,000$236,877 equity gap
Rate
2.94%
7.32%today
Payment
$3,296/mo
$5,412today
  • 3beds
  • 3baths
  • 1,822sqft

1525 Wildgrove Ave, Vista

1214 Ditmar St, Oceanside, CA, 92054 — assumable VA mortgage at 2.96%
VA
Active
31
$1,695,000$427,433 equity gap
Rate
2.96%
7.32%today
Payment
$5,998/mo
$9,823today
  • —beds
  • —baths
  • —sqft

1214 Ditmar St, Oceanside

2449 Primrose Ave, Vista, CA, 92083 — assumable VA mortgage at 2.99%
VA
Active
62
$969,000$203,691 equity gap
Rate
2.99%
7.32%today
Payment
$3,601/mo
$5,875today
  • 4beds
  • 3baths
  • 2,187sqft

2449 Primrose Ave, Vista

542 Beverly Place, San Marcos, CA, 92078 — assumable FHA mortgage at 3.89%
FHA
Active
29
$505,000$69,371 equity gap
Rate
3.89%
7.32%today
Payment
$2,242/mo
$3,270today
  • 2beds
  • 2baths
  • 1,068sqft

542 Beverly Place, 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

1953 Wellington Lane #7, Vista, CA, 92081 — assumable FHA mortgage at 3.13%
FHA
Active
32
$450,000$151,953 equity gap
Rate
3.13%
7.32%today
Payment
$1,473/mo
$2,361today
  • 2beds
  • 2baths
  • 924sqft

1953 Wellington Lane #7, Vista

3316 Campo Azul Ct, Carlsbad, CA, 92010 — assumable VA mortgage at 2.66%
VA
Active
43
$849,000$369,496 equity gap
Rate
2.66%
7.32%today
Payment
$2,227/mo
$3,791today
  • 3beds
  • 3baths
  • 1,420sqft

3316 Campo Azul Ct, Carlsbad

1164 Madera Lane, Vista, CA, 92084 — assumable VA mortgage at 2.71%
VA
Active
24
$474,999$202,297 equity gap
Rate
2.71%
7.32%today
Payment
$1,273/mo
$2,154today
  • 2beds
  • 2baths
  • 972sqft

1164 Madera Lane, Vista

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

4025 Ivey Vista Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.77%
VA
Active
35
$880,000$559,430 equity gap
Rate
2.77%
7.32%today
Payment
$1,475/mo
$2,476today
  • 3beds
  • 3baths
  • 1,438sqft

4025 Ivey Vista Way, Oceanside

2787 Thunder Dr, Oceanside, CA, 92056 — assumable VA mortgage at 2.81%
VA
Active
42
$760,000$526,047 equity gap
Rate
2.81%
7.32%today
Payment
$1,099/mo
$1,835today
  • 4beds
  • 2baths
  • 1,456sqft

2787 Thunder Dr, Oceanside

3350 Descanso Ave., San Marcos, CA, 92078 — assumable VA mortgage at 2.86%
VA
Active
40
$1,800,000$1,237,132 equity gap
Rate
2.86%
7.32%today
Payment
$2,691/mo
$4,463today
  • 4beds
  • 3baths
  • 2,023sqft

3350 Descanso Ave., San Marcos

1039 Plover Way, Oceanside, CA, 92057 — assumable VA mortgage at 2.90%
VA
Active
26
$505,000$230,281 equity gap
Rate
2.90%
7.32%today
Payment
$1,280/mo
$2,112today
  • 2beds
  • 2baths
  • 1,050sqft

1039 Plover Way, Oceanside

1696 Gil Way, Vista, CA, 92084 — assumable VA mortgage at 2.90%
VA
Active
44
$1,999,000$989,886 equity gap
Rate
2.90%
7.32%today
Payment
$4,833/mo
$7,976today
  • 6beds
  • 6baths
  • 5,120sqft

1696 Gil Way, Vista

1050 La Tortuga Drive #40, Vista, CA, 92081 — assumable VA mortgage at 2.90%
VA
Active
27
$479,999$242,167 equity gap
Rate
2.90%
7.32%today
Payment
$1,116/mo
$1,841today
  • 2beds
  • 2baths
  • 874sqft

1050 La Tortuga Drive #40, Vista

3208 Silver Ridge Court, Oceanside, CA, 92058 — assumable VA mortgage at 2.94%
VA
Active
19
$1,389,950$568,554 equity gap
Rate
2.94%
7.32%today
Payment
$3,878/mo
$6,368today
  • 4beds
  • 4baths
  • 2,851sqft

3208 Silver Ridge Court, Oceanside

1884 Autumn, Vista, CA, 92084 — assumable VA mortgage at 2.96%
VA
Active
71
$1,399,000$662,735 equity gap
Rate
2.96%
7.32%today
Payment
$3,492/mo
$5,719today
  • 5beds
  • 3baths
  • 3,277sqft

1884 Autumn, Vista

2424 Papyrus Ct., Oceanside, CA, 92054 — assumable VA mortgage at 2.99%
VA
Active
71
$1,540,000$1,098,698 equity gap
Rate
2.99%
7.32%today
Payment
$2,149/mo
$3,506today
  • 4beds
  • 3baths
  • 2,366sqft

2424 Papyrus Ct., Oceanside

477 Rancho Vista, Vista, CA, 92083 — assumable VA mortgage at 2.99%
VA
Active
22
$870,000$604,967 equity gap
Rate
2.99%
7.32%today
Payment
$1,244/mo
$2,030today
  • 3beds
  • 2baths
  • 1,344sqft

477 Rancho Vista, Vista

81 Seagull Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$365,000$365,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,248sqft

81 Seagull Lane, Oceanside

201 Diamond Way #222, Vista, CA, 92083 — assumable VA mortgage at 3.00%
VA
Active
34
$535,000$535,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,116sqft

201 Diamond Way #222, Vista

509 Calle Montecito #42, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
37
$350,000$350,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 1baths
  • 806sqft

509 Calle Montecito #42, Oceanside

3525 Paseo De Elenita #171, Oceanside, CA, 92056 — assumable FHA mortgage at 3.00%
FHA
Active
27
$525,000$525,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,093sqft

3525 Paseo De Elenita #171, Oceanside

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

176 Flicker Lane, Oceanside, CA, 92057 — assumable VA mortgage at 3.00%
VA
Active
31
$329,999$329,999 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 2beds
  • 2baths
  • 1,164sqft

176 Flicker Lane, Oceanside

4136 Sitio Flor, Oceanside, CA, 92057 — assumable VA mortgage at 3.47%
VA
Active
26
$659,990$254,367 equity gap
Rate
3.47%
7.32%today
Payment
$2,082/mo
$3,197today
  • 3beds
  • 3baths
  • 1,366sqft

4136 Sitio Flor, Oceanside

2885 Sanford Ln, Carlsbad, CA, 92010 — assumable VA mortgage at 3.24%
VA
Active
26
$935,000$515,552 equity gap
Rate
3.24%
7.32%today
Payment
$2,102/mo
$3,322today
  • 3beds
  • 3baths
  • 1,693sqft

2885 Sanford Ln, Carlsbad

1474 Rancho Rose Way #42, Oceanside, CA, 92057 — assumable VA mortgage at 3.35%
VA
Active
29
$658,888$559,582 equity gap
Rate
3.35%
7.32%today
Payment
$656/mo
$1,023today
  • 3beds
  • 3baths
  • 1,379sqft

1474 Rancho Rose Way #42, Oceanside

4675 Caneel Bay Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.45%
VA
Active
46
$1,175,000$639,370 equity gap
Rate
3.45%
7.32%today
Payment
$2,769/mo
$4,262today
  • 4beds
  • 3baths
  • 2,622sqft

4675 Caneel Bay Court, Oceanside

914 Tempera Court, Oceanside, CA, 92057 — assumable VA mortgage at 3.48%
VA
Active
45
$899,000$406,538 equity gap
Rate
3.48%
7.32%today
Payment
$2,553/mo
$3,916today
  • 4beds
  • 3baths
  • 2,077sqft

914 Tempera Court, Oceanside

2299 San Remo Circle, Vista, CA, 92084 — assumable FHA mortgage at 4.98%
FHA
Active
11
$660,000$70,131 equity gap
Rate
4.98%
7.32%today
Payment
$3,391/mo
$4,349today
  • 2beds
  • 2baths
  • 1,040sqft

2299 San Remo Circle, Vista

5533 Old Ranch Rd #52, Oceanside, CA, 92057 — assumable VA mortgage at 3.52%
VA
Active
32
$629,000$456,652 equity gap
Rate
3.52%
7.32%today
Payment
$993/mo
$1,515today
  • 3beds
  • 3baths
  • 1,365sqft

5533 Old Ranch Rd #52, Oceanside

846 DANA POINT Way, Oceanside, CA, 92058 — assumable VA mortgage at 3.54%
VA
Active
34
$532,500$459,340 equity gap
Rate
3.54%
7.32%today
Payment
$483/mo
$735today
  • 2beds
  • 2baths
  • 1,104sqft

846 DANA POINT Way, Oceanside

Assuming a mortgage in Carlsbad

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
2.66%
Lowest existing payment
$483 /mo
Median cash to assume
$344,931
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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