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Assumable homes for sale in Spring Valley, CA

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

Spring Valley assumption guide
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

1312 Hawk Lane, El Cajon, CA, 92020 — assumable FHA mortgage at 2.88%
FHA
Active
39
$609,900$114,253 equity gap
Rate
2.88%
7.32%today
Payment
$2,325/mo
$3,847today
  • 3beds
  • 3baths
  • 1,424sqft

1312 Hawk Lane, El Cajon

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

1617 La Presa Avenue, Spring Valley, CA, 91977 — assumable VA mortgage at 3.09%
VA
Active
21
$800,000$92,673 equity gap
Rate
3.09%
7.32%today
Payment
$3,358/mo
$5,409today
  • 3beds
  • 3baths
  • 1,646sqft

1617 La Presa Avenue, Spring Valley

1045 Peach Avenue #8, El Cajon, CA, 92021 — assumable VA mortgage at 3.10%
VA
Active
9
$299,000$55,879 equity gap
Rate
3.10%
7.32%today
Payment
$1,153/mo
$1,855today
  • 1beds
  • 1baths
  • 721sqft

1045 Peach Avenue #8, El Cajon

9512 Date St., Spring Valley, CA, 91977 — assumable VA mortgage at 3.18%
VA
Active
49
$759,000$132,534 equity gap
Rate
3.18%
7.32%today
Payment
$3,050/mo
$4,857today
  • 3beds
  • 2baths
  • 1,307sqft

9512 Date St., Spring Valley

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

1880 Aubrives Place #2126, Chula Vista, CA, 91913 — assumable VA mortgage at 3.45%
VA
Active
24
$595,000$77,781 equity gap
Rate
3.45%
7.32%today
Payment
$2,544/mo
$3,916today
  • 3beds
  • 2baths
  • 1,315sqft

1880 Aubrives Place #2126, Chula Vista

930 Waterloo Ave, El Cajon, CA, 92019 — assumable VA mortgage at 2.67%
VA
Active
24
$775,000$227,525 equity gap
Rate
2.67%
7.32%today
Payment
$2,545/mo
$4,328today
  • 4beds
  • 2baths
  • 1,710sqft

930 Waterloo Ave, El Cajon

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

1172 Bow Willow Trail Way, Chula Vista, CA, 91915 — assumable VA mortgage at 2.80%
VA
Active
22
$870,000$231,086 equity gap
Rate
2.80%
7.32%today
Payment
$2,984/mo
$4,989today
  • 3beds
  • 3baths
  • 1,448sqft

1172 Bow Willow Trail Way, Chula Vista

930 Peach Avenue #17, El Cajon, CA, 92021 — assumable VA mortgage at 2.86%
VA
Active
25
$310,000$69,415 equity gap
Rate
2.86%
7.32%today
Payment
$1,118/mo
$1,855today
  • 1beds
  • 1baths
  • 625sqft

930 Peach Avenue #17, El Cajon

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

748 Eastshore #114, Chula Vista, CA, 91913 — assumable FHA mortgage at 2.90%
FHA
Active
34
$494,000$110,602 equity gap
Rate
2.90%
7.32%today
Payment
$1,798/mo
$2,968today
  • 2beds
  • 2baths
  • 752sqft

748 Eastshore #114, Chula Vista

1227 Cuyamaca Ave, Spring Valley, CA, 91977 — assumable VA mortgage at 2.93%
VA
Active
23
$840,000$205,597 equity gap
Rate
2.93%
7.32%today
Payment
$2,992/mo
$4,919today
  • 4beds
  • 3baths
  • 2,298sqft

1227 Cuyamaca Ave, Spring Valley

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

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

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

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

1210 Pine Drive, El Cajon, CA, 92020 — assumable VA mortgage at 2.73%
VA
Active
51
$950,000$315,970 equity gap
Rate
2.73%
7.32%today
Payment
$2,953/mo
$4,982today
  • 3beds
  • 3baths
  • 2,412sqft

1210 Pine Drive, El Cajon

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

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

11937 Royal Road #B, El Cajon, CA, 92021 — assumable FHA mortgage at 2.88%
FHA
Active
5
$499,999$177,378 equity gap
Rate
2.88%
7.32%today
Payment
$1,500/mo
$2,481today
  • 3beds
  • 2baths
  • 1,323sqft

11937 Royal Road #B, El Cajon

9745 Saint George, Spring Valley, CA, 91977 — assumable VA mortgage at 2.97%
VA
Active
25
$689,000$223,323 equity gap
Rate
2.97%
7.32%today
Payment
$2,226/mo
$3,641today
  • 4beds
  • 3baths
  • 1,665sqft

9745 Saint George, Spring Valley

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

Assuming a mortgage in Spring Valley

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
$516 /mo
Median cash to assume
$126,079
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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