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Assumable homes for sale in San Diego, CA

200 homesVA & FHA loansrates from 2.38% vs 7.32% today

San Diego assumption guide
550 15th St. #207, San Diego, CA, 92101 — assumable VA mortgage at 3.12%
VATop pick
Active
19
$374,900$26,547 equity gap
Rate
3.12%
7.32%today
Payment
$1,652/mo
$2,651today
  • —beds
  • 1baths
  • 526sqft

550 15th St. #207, San Diego

3555 Helix St, Spring Valley, CA, 91977 — assumable FHA mortgage at 2.87%
FHA
Active
26
$699,000$102,033 equity gap
Rate
2.87%
7.32%today
Payment
$2,850/mo
$4,721today
  • 4beds
  • 3baths
  • 2,057sqft

3555 Helix St, Spring Valley

5980 Dandridge Lane #225, San Diego, CA, 92115 — assumable VA mortgage at 2.88%
VA
Active
33
$350,000$62,190 equity gap
Rate
2.88%
7.32%today
Payment
$1,338/mo
$2,214today
  • 1beds
  • 1baths
  • 724sqft

5980 Dandridge Lane #225, San Diego

2804 C St, San Diego, CA, 92102 — assumable VA mortgage at 3.21%
VA
Active
50
$1,473,000$138,450 equity gap
Rate
3.21%
7.32%today
Payment
$6,393/mo
$10,141today
  • 5beds
  • 3baths
  • 1,884sqft

2804 C St, San Diego

6333 College Grove Way #11103, San Diego, CA, 92115 — assumable FHA mortgage at 3.09%
FHA
Active
26
$449,000$57,721 equity gap
Rate
3.09%
7.32%today
Payment
$1,862/mo
$2,998today
  • 3beds
  • 2baths
  • 1,024sqft

6333 College Grove Way #11103, San Diego

4079 Huerfano Ave #216, San Diego, CA, 92117 — assumable VA mortgage at 3.22%
VA
Active
24
$490,000$59,138 equity gap
Rate
3.22%
7.32%today
Payment
$2,066/mo
$3,274today
  • 2beds
  • 2baths
  • 780sqft

4079 Huerfano Ave #216, San Diego

5710 Greycourt, San Diego, CA, 92114 — assumable VA mortgage at 3.76%
VA
Active
26
$779,900$30,874 equity gap
Rate
3.76%
7.32%today
Payment
$3,795/mo
$5,622today
  • 3beds
  • 2baths
  • 1,401sqft

5710 Greycourt, San Diego

7940 University Avenue #34, La Mesa, CA, 91942 — assumable VA mortgage at 2.68%
VA
Active
12
$420,000$104,340 equity gap
Rate
2.68%
7.32%today
Payment
$1,469/mo
$2,495today
  • 2beds
  • 2baths
  • 990sqft

7940 University Avenue #34, La Mesa

8840 Milburn Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 2.79%
VA
Active
40
$825,000$226,344 equity gap
Rate
2.79%
7.32%today
Payment
$2,774/mo
$4,643today
  • 5beds
  • 3baths
  • 2,148sqft

8840 Milburn Avenue, Spring Valley

1721 Santa Carolina Avenue ##1, Chula Vista, CA, 91913 — assumable VA mortgage at 2.87%
VA
Active
45
$500,000$104,609 equity gap
Rate
2.87%
7.32%today
Payment
$1,888/mo
$3,127today
  • 2beds
  • 2baths
  • 1,116sqft

1721 Santa Carolina Avenue ##1, Chula Vista

7890 Bushwood Court, Lemon Grove, CA, 91945 — assumable FHA mortgage at 2.875%
FHA
Active
68
$815,000$237,135 equity gap
Rate
2.875%
7.32%today
Payment
$2,709/mo
$4,485today
  • 4beds
  • 2baths
  • 1,686sqft

7890 Bushwood Court, Lemon Grove

1150 J #603, San Diego, CA, 92101 — assumable VA mortgage at 2.88%
VA
Active
26
$379,990$101,338 equity gap
Rate
2.88%
7.32%today
Payment
$1,329/mo
$2,198today
  • —beds
  • 1baths
  • 571sqft

1150 J #603, San Diego

643 Q Ave, National City, CA, 91950 — assumable VA mortgage at 2.96%
VA
Active
33
$575,000$156,506 equity gap
Rate
2.96%
7.32%today
Payment
$1,971/mo
$3,229today
  • 3beds
  • 2baths
  • 1,286sqft

643 Q Ave, National City

6363 Rancho Mission Rd. Road #4, San Diego, CA, 92108 — assumable FHA mortgage at 2.98%
FHA
Active
44
$560,000$131,787 equity gap
Rate
2.98%
7.32%today
Payment
$2,035/mo
$3,325today
  • 2beds
  • 2baths
  • 1,349sqft

6363 Rancho Mission Rd. Road #4, San Diego

3215 44th Street #11, San Diego, CA, 92105 — assumable VA mortgage at 2.98%
VA
Active
16
$380,000$98,397 equity gap
Rate
2.98%
7.32%today
Payment
$1,327/mo
$2,167today
  • 2beds
  • 1baths
  • 770sqft

3215 44th Street #11, San Diego

405 61st Street, San Diego, CA, 92114 — assumable VA mortgage at 3.05%
VA
Active
41
$699,900$148,863 equity gap
Rate
3.05%
7.32%today
Payment
$2,604/mo
$4,216today
  • 3beds
  • 3baths
  • 1,400sqft

405 61st Street, San Diego

910 Saint George, Spring Valley, CA, 91977 — assumable FHA mortgage at 3.05%
FHA
Active
35
$735,000$179,663 equity gap
Rate
3.05%
7.32%today
Payment
$2,625/mo
$4,249today
  • 4beds
  • 2baths
  • 1,221sqft

910 Saint George, Spring Valley

3238 Ashford Street #D, San Diego, CA, 92111 — assumable VA mortgage at 3.06%
VA
Active
34
$439,000$113,410 equity gap
Rate
3.06%
7.32%today
Payment
$1,565/mo
$2,530today
  • 2beds
  • 1baths
  • 716sqft

3238 Ashford Street #D, San Diego

550 Park Blvd #2501, San Diego, CA, 92101 — assumable VA mortgage at 3.56%
VA
Active
34
$495,000$62,388 equity gap
Rate
3.56%
7.32%today
Payment
$2,149/mo
$3,263today
  • 1beds
  • 1baths
  • 810sqft

550 Park Blvd #2501, San Diego

543 Palmwood Court, San Diego, CA, 92139 — assumable VA mortgage at 3.625%
VA
Active
14
$789,000$90,926 equity gap
Rate
3.625%
7.32%today
Payment
$3,499/mo
$5,270today
  • 4beds
  • 2baths
  • 1,350sqft

543 Palmwood Court, San Diego

3631 Lemona #D, San Diego, CA, 92105 — assumable VA mortgage at 3.85%
VA
Active
22
$399,900$21,195 equity gap
Rate
3.85%
7.32%today
Payment
$1,937/mo
$2,839today
  • 2beds
  • 2baths
  • 1,120sqft

3631 Lemona #D, San Diego

425 Beech Street #314, San Diego, CA, 92101 — assumable FHA mortgage at 3.92%
FHA
Active
36
$534,900$27,213 equity gap
Rate
3.92%
7.32%today
Payment
$2,612/mo
$3,763today
  • 2beds
  • 2baths
  • 977sqft

425 Beech Street #314, San Diego

5162 Catoctin Dr, San Diego, CA, 92115 — assumable VA mortgage at 3.75%
VA
Active
45
$1,090,000$193,201 equity gap
Rate
3.75%
7.32%today
Payment
$4,539/mo
$6,732today
  • 3beds
  • 3baths
  • 1,947sqft

5162 Catoctin Dr, San Diego

550 Park Blvd #2306, San Diego, CA, 92101 — assumable VA mortgage at 2.375%
VA
Active
23
$439,000$133,427 equity gap
Rate
2.375%
7.32%today
Payment
$1,389/mo
$2,456today
  • 1beds
  • 1baths
  • 738sqft

550 Park Blvd #2306, San Diego

5442 Adobe Falls #5, San Diego, CA, 92120 — assumable VA mortgage at 2.67%
VA
Active
35
$449,000$171,769 equity gap
Rate
2.67%
7.32%today
Payment
$1,286/mo
$2,186today
  • 2beds
  • 2baths
  • 884sqft

5442 Adobe Falls #5, San Diego

2825 3rd Avenue #205, San Diego, CA, 92103 — assumable VA mortgage at 2.72%
VA
Active
37
$579,000$189,881 equity gap
Rate
2.72%
7.32%today
Payment
$1,823/mo
$3,080today
  • 2beds
  • 2baths
  • 949sqft

2825 3rd Avenue #205, San Diego

1501 Front St #302, San Diego, CA, 92101 — assumable VA mortgage at 2.77%
VA
Active
40
$699,000$279,534 equity gap
Rate
2.77%
7.32%today
Payment
$1,967/mo
$3,301today
  • 2beds
  • 2baths
  • 1,058sqft

1501 Front St #302, San Diego

528 Carlsbad Street, Spring Valley, CA, 91977 — assumable VA mortgage at 2.77%
VA
Active
23
$625,000$234,306 equity gap
Rate
2.77%
7.32%today
Payment
$1,802/mo
$3,025today
  • 3beds
  • 2baths
  • 1,056sqft

528 Carlsbad Street, Spring Valley

5845 Friars Rd #1408, San Diego, CA, 92110 — assumable FHA mortgage at 2.78%
FHA
Active
40
$485,000$187,487 equity gap
Rate
2.78%
7.32%today
Payment
$1,377/mo
$2,308today
  • 1beds
  • 2baths
  • 959sqft

5845 Friars Rd #1408, San Diego

3655 44th St., San Diego, CA, 92105 — assumable FHA mortgage at 2.81%
FHA
Active
29
$845,000$240,441 equity gap
Rate
2.81%
7.32%today
Payment
$2,827/mo
$4,720today
  • —beds
  • —baths
  • —sqft

3655 44th St., San Diego

10715 Caminito Cascara, San Diego, CA, 92108 — assumable VA mortgage at 2.86%
VA
Active
35
$649,999$245,444 equity gap
Rate
2.86%
7.32%today
Payment
$1,934/mo
$3,208today
  • 3beds
  • 2baths
  • 1,334sqft

10715 Caminito Cascara, San Diego

2083 Manzana Way, San Diego, CA, 92139 — assumable VA mortgage at 2.86%
VA
Active
47
$674,900$236,227 equity gap
Rate
2.86%
7.32%today
Payment
$2,097/mo
$3,479today
  • 4beds
  • 3baths
  • 1,555sqft

2083 Manzana Way, San Diego

6615 Canyon Rim Row #160, San Diego, CA, 92111 — assumable VA mortgage at 2.93%
VA
Active
20
$519,000$206,498 equity gap
Rate
2.93%
7.32%today
Payment
$1,505/mo
$2,474today
  • 1beds
  • 1baths
  • 840sqft

6615 Canyon Rim Row #160, San Diego

2948 Lucia Jade Loop, San Diego, CA, 92139 — assumable VA mortgage at 2.97%
VA
Active
47
$990,000$359,442 equity gap
Rate
2.97%
7.32%today
Payment
$3,008/mo
$4,919today
  • 4beds
  • 3baths
  • 2,221sqft

2948 Lucia Jade Loop, San Diego

2860 Carmar Way, San Diego, CA, 92139 — assumable VA mortgage at 2.98%
VA
Active
33
$849,999$299,957 equity gap
Rate
2.98%
7.32%today
Payment
$2,676/mo
$4,371today
  • 4beds
  • 3baths
  • 1,668sqft

2860 Carmar Way, San Diego

877 Island Ave #203, San Diego, CA, 92101 — assumable VA mortgage at 2.99%
VA
Active
33
$999,000$395,779 equity gap
Rate
2.99%
7.32%today
Payment
$2,931/mo
$4,781today
  • 1beds
  • 2baths
  • 1,603sqft

877 Island Ave #203, San Diego

Assuming a mortgage in San Diego

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
2.38%
Lowest existing payment
$516 /mo
Median cash to assume
$157,092
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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