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Assumable homes for sale in Rancho Santa Margarita, CA

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

Rancho Santa Margarita assumption guide
26420 Plumcot Drive, Corona, CA, 92883 — assumable VA mortgage at 2.77%
VA
Active
24
$999,999$385,241 equity gap
Rate
2.77%
7.32%today
Payment
$2,883/mo
$4,838today
  • 6beds
  • 5baths
  • 4,133sqft

26420 Plumcot Drive, Corona

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

42 Bayley, Ladera Ranch, CA, 92694 — assumable VA mortgage at 2.95%
VA
Active
33
$899,000$284,204 equity gap
Rate
2.95%
7.32%today
Payment
$2,913/mo
$4,776today
  • 3beds
  • 3baths
  • 1,560sqft

42 Bayley, Ladera Ranch

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

27322 Via Rioja, Mission Viejo, CA, 92691 — assumable VA mortgage at 3.11%
VA
Active
37
$1,699,000$598,091 equity gap
Rate
3.11%
7.32%today
Payment
$5,215/mo
$8,379today
  • 4beds
  • 3baths
  • 2,230sqft

27322 Via Rioja, Mission Viejo

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

2 Primula, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.72%
FHA
Active
35
$689,000$421,273 equity gap
Rate
2.72%
7.32%today
Payment
$1,255/mo
$2,119today
  • 2beds
  • 2baths
  • 1,024sqft

2 Primula, Rancho Santa Margarita

20702 El Toro Road #393, Lake Forest, CA, 92630 — assumable FHA mortgage at 2.73%
FHA
Active
22
$395,000$211,401 equity gap
Rate
2.73%
7.32%today
Payment
$855/mo
$1,443today
  • 1beds
  • 1baths
  • 686sqft

20702 El Toro Road #393, Lake Forest

11 Barbados Drive, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.77%
VA
Active
57
$1,140,000$505,005 equity gap
Rate
2.77%
7.32%today
Payment
$2,929/mo
$4,916today
  • 3beds
  • 3baths
  • 1,561sqft

11 Barbados Drive, Aliso Viejo

27711 Golondrina, Mission Viejo, CA, 92692 — assumable FHA mortgage at 2.79%
FHA
Active
47
$1,249,995$693,626 equity gap
Rate
2.79%
7.32%today
Payment
$2,572/mo
$4,306today
  • 3beds
  • 2baths
  • 1,470sqft

27711 Golondrina, Mission Viejo

156 Alienta, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 2.81%
FHA
Active
41
$849,000$362,673 equity gap
Rate
2.81%
7.32%today
Payment
$2,285/mo
$3,815today
  • 3beds
  • 3baths
  • 1,223sqft

156 Alienta, Rancho Mission Viejo

48 Calle Del Norte, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.83%
FHA
Active
54
$1,149,999$515,388 equity gap
Rate
2.83%
7.32%today
Payment
$3,009/mo
$5,011today
  • 3beds
  • 3baths
  • 2,195sqft

48 Calle Del Norte, Rancho Santa Margarita

68 Via Contento, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 2.86%
FHA
Active
23
$669,900$270,121 equity gap
Rate
2.86%
7.32%today
Payment
$1,911/mo
$3,170today
  • 2beds
  • 2baths
  • 1,117sqft

68 Via Contento, Rancho Santa Margarita

21 Calle Verano, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 2.88%
VA
Active
53
$1,039,000$599,836 equity gap
Rate
2.88%
7.32%today
Payment
$2,119/mo
$3,506today
  • 3beds
  • 3baths
  • 1,574sqft

21 Calle Verano, Rancho Santa Margarita

72 Sandcastle, Aliso Viejo, CA, 92656 — assumable VA mortgage at 2.96%
VA
Active
58
$719,900$305,489 equity gap
Rate
2.96%
7.32%today
Payment
$1,965/mo
$3,219today
  • 2beds
  • 2baths
  • 1,142sqft

72 Sandcastle, Aliso Viejo

28149 Manchuca, Mission Viejo, CA, 92692 — assumable VA mortgage at 2.98%
VA
Active
75
$979,999$519,495 equity gap
Rate
2.98%
7.32%today
Payment
$2,179/mo
$3,559today
  • 2beds
  • 2baths
  • 1,527sqft

28149 Manchuca, Mission Viejo

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

87 Fuente, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.00%
FHA
Active
36
$999,900$999,900 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,687sqft

87 Fuente, Rancho Santa Margarita

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

28 Pica Flor #44 #44, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 3.45%
VA
Active
25
$515,000$286,340 equity gap
Rate
3.45%
7.32%today
Payment
$1,316/mo
$2,026today
  • 2beds
  • 2baths
  • 882sqft

28 Pica Flor #44 #44, Rancho Santa Margarita

23 Via Honrado, Rancho Santa Margarita, CA, 92688 — assumable VA mortgage at 3.80%
VA
Active
35
$400,000$135,475 equity gap
Rate
3.80%
7.32%today
Payment
$1,442/mo
$2,126today
  • 1beds
  • 1baths
  • 642sqft

23 Via Honrado, Rancho Santa Margarita

12 Willowbrook Ln, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 3.64%
FHA
Active
15
$1,040,000$469,674 equity gap
Rate
3.64%
7.32%today
Payment
$3,033/mo
$4,560today
  • 3beds
  • 3baths
  • 1,470sqft

12 Willowbrook Ln, Rancho Santa Margarita

20702 El Toro #414, Lake Forest, CA, 92630 — assumable FHA mortgage at 3.72%
FHA
Active
52
$425,000$275,052 equity gap
Rate
3.72%
7.32%today
Payment
$899/mo
$1,339today
  • 1beds
  • 1baths
  • 610sqft

20702 El Toro #414, Lake Forest

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

20482 Pine, Trabuco Canyon, CA, 92679 — assumable FHA mortgage at 4.02%
FHA
Active
75
$1,480,000$1,171,485 equity gap
Rate
4.02%
7.32%today
Payment
$1,943/mo
$2,789today
  • 3beds
  • 2baths
  • 2,390sqft

20482 Pine, Trabuco Canyon

41 Baculo, Rancho Mission Viejo, CA, 92694 — assumable FHA mortgage at 4.15%
FHA
Active
61
$1,149,000$625,652 equity gap
Rate
4.15%
7.32%today
Payment
$3,146/mo
$4,446today
  • 3beds
  • 3baths
  • 1,827sqft

41 Baculo, Rancho Mission Viejo

19801 Meadow Ridge Dr #57, Trabuco Canyon, CA, 92679 — assumable VA mortgage at 6.47%
VA
Active
29
$424,999Potential short sale
Rate
6.47%
7.32%today
Payment
$2,821/mo
$3,076today
  • 1beds
  • 1baths
  • 594sqft

19801 Meadow Ridge Dr #57, Trabuco Canyon

27081 Sombras, Mission Viejo, CA, 92692 — assumable FHA mortgage at 4.41%
FHA
Active
26
$1,299,999$717,359 equity gap
Rate
4.41%
7.32%today
Payment
$3,392/mo
$4,647today
  • 4beds
  • 2baths
  • 1,472sqft

27081 Sombras, Mission Viejo

9 Brisa Ribera, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 4.45%
FHA
Active
14
$550,000$276,665 equity gap
Rate
4.45%
7.32%today
Payment
$1,640/mo
$2,237today
  • 2beds
  • 1baths
  • 918sqft

9 Brisa Ribera, Rancho Santa Margarita

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

22681 Oakgrove #426, Aliso Viejo, CA, 92656 — assumable FHA mortgage at 6.82%
FHA
Active
36
$665,000$47,957 equity gap
Rate
6.82%
7.32%today
Payment
$4,137/mo
$4,350today
  • 2beds
  • 2baths
  • 1,007sqft

22681 Oakgrove #426, Aliso Viejo

42 Via Contento, Rancho Santa Margarita, CA, 92688 — assumable FHA mortgage at 7.06%
FHA
Active
37
$659,000$58,591 equity gap
Rate
7.06%
7.32%today
Payment
$4,112/mo
$4,220today
  • 2beds
  • 2baths
  • 1,117sqft

42 Via Contento, Rancho Santa Margarita

13334 Cloudburst Drive, Corona, CA, 92883 — assumable FHA mortgage at 6.06%
FHA
Active
51
$669,900$113,101 equity gap
Rate
6.06%
7.32%today
Payment
$3,387/mo
$3,856today
  • 4beds
  • 3baths
  • 1,718sqft

13334 Cloudburst Drive, Corona

Assuming a mortgage in Rancho Santa Margarita

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
$331 /mo
Median cash to assume
$390,436
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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