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Assumable homes for sale in Irvine, CA

51 homesFHA & VA loansrates from 2.73% vs 7.32% today

Irvine assumption guide
2233 Martin #309, Irvine, CA, 92612 — assumable FHA mortgage at 3.55%
FHA
Active
31
$599,999$37,591 equity gap
Rate
3.55%
7.32%today
Payment
$2,791/mo
$4,243today
  • 2beds
  • 1baths
  • 952sqft

2233 Martin #309, Irvine

2120 Watermarke, Irvine, CA, 92612 — assumable VA mortgage at 3.04%
VA
Active
39
$550,000$165,571 equity gap
Rate
3.04%
7.32%today
Payment
$1,843/mo
$2,988today
  • 1beds
  • 1baths
  • 648sqft

2120 Watermarke, Irvine

10361 Garden Grove Blvd #12, Garden Grove, CA, 92843 — assumable VA mortgage at 2.88%
VA
Active
26
$569,000$219,914 equity gap
Rate
2.88%
7.32%today
Payment
$1,626/mo
$2,691today
  • 2beds
  • 2baths
  • 1,057sqft

10361 Garden Grove Blvd #12, Garden Grove

21946 Lakeland, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.91%
FHA
Active
45
$690,000$246,160 equity gap
Rate
2.91%
7.32%today
Payment
$2,128/mo
$3,507today
  • 3beds
  • 2baths
  • 1,392sqft

21946 Lakeland, Lake Forest

1711 21st, Santa Ana, CA, 92706 — assumable VA mortgage at 3.04%
VA
Active
47
$969,000$374,858 equity gap
Rate
3.04%
7.32%today
Payment
$2,849/mo
$4,618today
  • 3beds
  • 2baths
  • 1,201sqft

1711 21st, Santa Ana

125 Poppyseed, Irvine, CA, 92618 — assumable VA mortgage at 3.55%
VA
Active
20
$1,860,000$532,395 equity gap
Rate
3.55%
7.32%today
Payment
$6,574/mo
$9,995today
  • 4beds
  • 4baths
  • 2,475sqft

125 Poppyseed, Irvine

624 Pelion, Lake Forest, CA, 92630 — assumable VA mortgage at 3.76%
VA
Active
47
$1,798,000$532,619 equity gap
Rate
3.76%
7.32%today
Payment
$6,411/mo
$9,497today
  • 5beds
  • 4baths
  • 2,754sqft

624 Pelion, Lake Forest

300 Cagney #111, Newport Beach, CA, 92663 — assumable FHA mortgage at 2.73%
FHA
Active
9
$585,000$258,524 equity gap
Rate
2.73%
7.32%today
Payment
$1,521/mo
$2,565today
  • 1beds
  • 1baths
  • 561sqft

300 Cagney #111, Newport Beach

13231 Creek View Drive #C, Garden Grove, CA, 92844 — assumable VA mortgage at 2.77%
VA
Active
34
$649,000$476,047 equity gap
Rate
2.77%
7.32%today
Payment
$798/mo
$1,339today
  • 2beds
  • 2baths
  • 1,163sqft

13231 Creek View Drive #C, Garden Grove

21072 Amberwick, Huntington Beach, CA, 92646 — assumable VA mortgage at 2.97%
VA
Active
26
$1,649,995$695,544 equity gap
Rate
2.97%
7.32%today
Payment
$4,532/mo
$7,412today
  • 4beds
  • 4baths
  • 2,127sqft

21072 Amberwick, Huntington Beach

1107 Memory Lane #13C, Santa Ana, CA, 92706 — assumable FHA mortgage at 2.98%
FHA
Active
29
$539,000$191,559 equity gap
Rate
2.98%
7.32%today
Payment
$1,637/mo
$2,673today
  • 2beds
  • 2baths
  • 1,102sqft

1107 Memory Lane #13C, Santa Ana

26392 Cortina Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 2.99%
VA
Active
55
$1,298,000$636,124 equity gap
Rate
2.99%
7.32%today
Payment
$3,223/mo
$5,259today
  • 4beds
  • 2baths
  • 1,924sqft

26392 Cortina Drive, Mission Viejo

2103 Continental, Costa Mesa, CA, 92627 — assumable VA mortgage at 2.99%
VA
Active
25
$1,650,000$1,182,428 equity gap
Rate
2.99%
7.32%today
Payment
$2,220/mo
$3,621today
  • 3beds
  • 2baths
  • 1,569sqft

2103 Continental, Costa Mesa

161 Working Ranch, Irvine, CA, 92602 — assumable FHA mortgage at 3.11%
FHA
Active
48
$1,399,000$717,787 equity gap
Rate
3.11%
7.32%today
Payment
$3,241/mo
$5,207today
  • 3beds
  • 4baths
  • 1,809sqft

161 Working Ranch, Irvine

25933 Via Pera #A3, Mission Viejo, CA, 92691 — assumable FHA mortgage at 3.15%
FHA
Active
27
$599,999$255,769 equity gap
Rate
3.15%
7.32%today
Payment
$1,709/mo
$2,732today
  • 2beds
  • 2baths
  • 1,024sqft

25933 Via Pera #A3, Mission Viejo

200 McNeil Lane #211, Newport Beach, CA, 92663 — assumable FHA mortgage at 5.11%
FHA
Active
75
$485,000$4,455 equity gap
Rate
5.11%
7.32%today
Payment
$2,799/mo
$3,538today
  • 1beds
  • 1baths
  • 561sqft

200 McNeil Lane #211, Newport Beach

2305 Pieper Lane, Tustin, CA, 92782 — assumable VA mortgage at 3.48%
VA
Active
7
$3,100,000$2,378,204 equity gap
Rate
3.48%
7.32%today
Payment
$3,734/mo
$5,726today
  • 4beds
  • 4baths
  • 3,695sqft

2305 Pieper Lane, Tustin

12591 Vista Panorama, North Tustin, CA, 92705 — assumable FHA mortgage at 3.54%
FHA
Active
68
$1,850,000$1,511,155 equity gap
Rate
3.54%
7.32%today
Payment
$2,237/mo
$3,405today
  • 3beds
  • 2baths
  • 2,008sqft

12591 Vista Panorama, North Tustin

25012 Woodridge, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.85%
FHA
Active
75
$1,299,000$736,682 equity gap
Rate
3.85%
7.32%today
Payment
$2,994/mo
$4,388today
  • 4beds
  • 3baths
  • 2,777sqft

25012 Woodridge, Lake Forest

17 Colonial Drive, Newport Beach, CA, 92660 — assumable FHA mortgage at 3.85%
FHA
Active
41
$5,495,000$3,199,625 equity gap
Rate
3.85%
7.32%today
Payment
$11,720/mo
$17,173today
  • 5beds
  • 4baths
  • 3,510sqft

17 Colonial Drive, Newport Beach

503 Harbor Woods Place, Newport Beach, CA, 92660 — assumable VA mortgage at 4.06%
VA
Active
12
$919,800$413,490 equity gap
Rate
4.06%
7.32%today
Payment
$2,831/mo
$4,045today
  • 2beds
  • 1baths
  • 900sqft

503 Harbor Woods Place, Newport Beach

2817 Ridgewood, Santa Ana, CA, 92705 — assumable VA mortgage at 4.06%
VA
Active
22
$1,285,000$682,952 equity gap
Rate
4.06%
7.32%today
Payment
$3,389/mo
$4,842today
  • 4beds
  • 2baths
  • 1,680sqft

2817 Ridgewood, Santa Ana

905 Hyde Court, Costa Mesa, CA, 92626 — assumable VA mortgage at 4.24%
VA
Active
33
$875,000$549,990 equity gap
Rate
4.24%
7.32%today
Payment
$2,049/mo
$2,865today
  • 3beds
  • 3baths
  • 1,418sqft

905 Hyde Court, Costa Mesa

20244 Magnolia Street, Huntington Beach, CA, 92646 — assumable FHA mortgage at 4.66%
FHA
Active
35
$719,000$286,161 equity gap
Rate
4.66%
7.32%today
Payment
$2,630/mo
$3,499today
  • 2beds
  • 2baths
  • 1,020sqft

20244 Magnolia Street, Huntington Beach

26821 Estanciero Drive, Mission Viejo, CA, 92691 — assumable VA mortgage at 5.30%
VA
Active
26
$1,400,000$322,939 equity gap
Rate
5.30%
7.32%today
Payment
$6,386/mo
$7,900today
  • 4beds
  • 3baths
  • 1,875sqft

26821 Estanciero Drive, Mission Viejo

23298 Orange #4, Lake Forest, CA, 92630 — assumable FHA mortgage at 6.09%
FHA
Active
7
$375,000$23,168 equity gap
Rate
6.09%
7.32%today
Payment
$2,229/mo
$2,529today
  • 1beds
  • 1baths
  • 685sqft

23298 Orange #4, Lake Forest

22625 Wood Shadow, Lake Forest, CA, 92630 — assumable VA mortgage at 6.32%
VA
Active
43
$1,379,000$104,713 equity gap
Rate
6.32%
7.32%today
Payment
$8,237/mo
$9,122today
  • 5beds
  • 3baths
  • 2,963sqft

22625 Wood Shadow, Lake Forest

502 Wilshire, Santa Ana, CA, 92707 — assumable VA mortgage at 6.35%
VA
Active
25
$949,000$70,455 equity gap
Rate
6.35%
7.32%today
Payment
$5,519/mo
$6,093today
  • 4beds
  • 2baths
  • 1,395sqft

502 Wilshire, Santa Ana

2125 Rousselle, Santa Ana, CA, 92707 — assumable FHA mortgage at 4.70%
FHA
Active
20
$824,999$429,943 equity gap
Rate
4.70%
7.32%today
Payment
$2,393/mo
$3,170today
  • 3beds
  • 1baths
  • 978sqft

2125 Rousselle, Santa Ana

2491 Aquasanta, Tustin, CA, 92782 — assumable VA mortgage at 6.35%
VA
Active
67
$1,498,888$232,910 equity gap
Rate
6.35%
7.32%today
Payment
$8,060/mo
$8,898today
  • 3beds
  • 3baths
  • 2,316sqft

2491 Aquasanta, Tustin

23455 El Reposa, Aliso Viejo, CA, 92656 — assumable VA mortgage at 6.62%
VA
Active
35
$720,000$87,121 equity gap
Rate
6.62%
7.32%today
Payment
$4,170/mo
$4,476today
  • 3beds
  • 2baths
  • 1,240sqft

23455 El Reposa, Aliso Viejo

25173 Oak Canyon #4, Lake Forest, CA, 92630 — assumable FHA mortgage at 6.89%
FHA
Active
26
$785,000$133,488 equity gap
Rate
6.89%
7.32%today
Payment
$4,351/mo
$4,543today
  • 2beds
  • 2baths
  • 1,178sqft

25173 Oak Canyon #4, Lake Forest

12322 Flagstone, Garden Grove, CA, 92843 — assumable FHA mortgage at 6.95%
FHA
Active
24
$980,000$173,525 equity gap
Rate
6.95%
7.32%today
Payment
$5,460/mo
$5,666today
  • 4beds
  • 2baths
  • 938sqft

12322 Flagstone, Garden Grove

22121 Padova, Laguna Hills, CA, 92653 — assumable VA mortgage at 5.66%
VA
Active
46
$1,138,000$241,642 equity gap
Rate
5.66%
7.32%today
Payment
$5,478/mo
$6,512today
  • 4beds
  • 2baths
  • 1,366sqft

22121 Padova, Laguna Hills

2900 Bradford Place #A, Santa Ana, CA, 92707 — assumable FHA mortgage at 6.28%
FHA
Active
17
$610,000$140,013 equity gap
Rate
6.28%
7.32%today
Payment
$3,026/mo
$3,365today
  • 2beds
  • 1baths
  • 792sqft

2900 Bradford Place #A, Santa Ana

415 Devon, Orange, CA, 92868 — assumable VA mortgage at 6.35%
VA
Active
15
$960,000$210,049 equity gap
Rate
6.35%
7.32%today
Payment
$4,770/mo
$5,266today
  • 3beds
  • 1baths
  • 973sqft

415 Devon, Orange

Assuming a mortgage in Irvine

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
2.73%
Lowest existing payment
$513 /mo
Median cash to assume
$348,899
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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