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Assumable homes for sale in Thermal, CA

60 homesFHA & VA loansrates from 2.66% vs 7.32% today

Thermal assumption guide
43289 Lacovia Drive, Bermuda Dunes, CA, 92203 — assumable VA mortgage at 2.66%
VA
Active
39
$468,000$161,433 equity gap
Rate
2.66%
7.32%today
Payment
$1,420/mo
$2,418today
  • 3beds
  • 3baths
  • 2,304sqft

43289 Lacovia Drive, Bermuda Dunes

85222 Avenida Reforma, Coachella, CA, 92236 — assumable FHA mortgage at 2.73%
FHA
Active
36
$465,000$160,925 equity gap
Rate
2.73%
7.32%today
Payment
$1,409/mo
$2,378today
  • 3beds
  • 3baths
  • 1,580sqft

85222 Avenida Reforma, Coachella

49135 Mesa Court, Coachella, CA, 92236 — assumable FHA mortgage at 2.69%
FHA
Active
26
$450,000$446,383 equity gap
Rate
2.69%
7.32%today
Payment
$17/mo
$29today
  • 3beds
  • 2baths
  • 1,199sqft

49135 Mesa Court, Coachella

49673 Redford Way, Indio, CA, 92201 — assumable VA mortgage at 2.72%
VA
Active
63
$699,000$302,634 equity gap
Rate
2.72%
7.32%today
Payment
$1,857/mo
$3,137today
  • 3beds
  • 4baths
  • 2,088sqft

49673 Redford Way, Indio

48353 San Gorgonio Pl, Coachella, CA, 92236 — assumable FHA mortgage at 2.80%
FHA
Active
53
$615,000$326,587 equity gap
Rate
2.80%
7.32%today
Payment
$1,338/mo
$2,237today
  • 5beds
  • 3baths
  • 2,668sqft

48353 San Gorgonio Pl, Coachella

43889 Virginia Avenue, Indio, CA, 92201 — assumable FHA mortgage at 2.94%
FHA
Active
62
$500,000$227,338 equity gap
Rate
2.94%
7.32%today
Payment
$1,315/mo
$2,158today
  • 3beds
  • 2baths
  • 1,725sqft

43889 Virginia Avenue, Indio

85416 Cairo Street, Coachella, CA, 92236 — assumable FHA mortgage at 3.02%
FHA
Active
32
$465,000$304,762 equity gap
Rate
3.02%
7.32%today
Payment
$763/mo
$1,240today
  • 5beds
  • 2baths
  • 1,554sqft

85416 Cairo Street, Coachella

51730 Via Bendita, La Quinta, CA, 92253 — assumable VA mortgage at 3.04%
VA
Active
76
$1,174,000$735,503 equity gap
Rate
3.04%
7.32%today
Payment
$2,103/mo
$3,408today
  • 4beds
  • 4baths
  • 3,502sqft

51730 Via Bendita, La Quinta

83694 Matterhorn Drive, Indio, CA, 92203 — assumable FHA mortgage at 3.07%
FHA
Active
25
$659,900$454,751 equity gap
Rate
3.07%
7.32%today
Payment
$974/mo
$1,573today
  • 4beds
  • 3baths
  • 2,170sqft

83694 Matterhorn Drive, Indio

47755 Soft Moonlight, La Quinta, CA, 92253 — assumable FHA mortgage at 3.07%
FHA
Active
44
$429,900$244,445 equity gap
Rate
3.07%
7.32%today
Payment
$880/mo
$1,422today
  • 3beds
  • 2baths
  • 1,337sqft

47755 Soft Moonlight, La Quinta

85600 Molvena Drive, Indio, CA, 92203 — assumable VA mortgage at 3.09%
VA
Active
45
$586,000$497,343 equity gap
Rate
3.09%
7.32%today
Payment
$426/mo
$687today
  • 2beds
  • 3baths
  • 2,708sqft

85600 Molvena Drive, Indio

79335 Rose Dawn, La Quinta, CA, 92253 — assumable VA mortgage at 3.10%
VA
Active
41
$415,000$227,257 equity gap
Rate
3.10%
7.32%today
Payment
$890/mo
$1,432today
  • 2beds
  • 2baths
  • 1,231sqft

79335 Rose Dawn, La Quinta

80428 Muirfield Drive, Indio, CA, 92201 — assumable VA mortgage at 3.15%
VA
Active
36
$799,000$473,129 equity gap
Rate
3.15%
7.32%today
Payment
$1,622/mo
$2,592today
  • 3beds
  • 2baths
  • 2,466sqft

80428 Muirfield Drive, Indio

84462 Redondo Norte, Coachella, CA, 92236 — assumable FHA mortgage at 3.16%
FHA
Active
33
$600,000$324,556 equity gap
Rate
3.16%
7.32%today
Payment
$1,369/mo
$2,185today
  • 5beds
  • 3baths
  • 2,301sqft

84462 Redondo Norte, Coachella

78600 Via Corrido, La Quinta, CA, 92253 — assumable VA mortgage at 3.31%
VA
Active
29
$599,000$242,491 equity gap
Rate
3.31%
7.32%today
Payment
$1,804/mo
$2,826today
  • 3beds
  • 3baths
  • 2,004sqft

78600 Via Corrido, La Quinta

81037 Alberta Avenue, Indio, CA, 92201 — assumable FHA mortgage at 3.33%
FHA
Active
4
$430,000$206,611 equity gap
Rate
3.33%
7.32%today
Payment
$1,135/mo
$1,774today
  • 4beds
  • 3baths
  • 1,689sqft

81037 Alberta Avenue, Indio

48255 Monroe Street #2, Indio, CA, 92201 — assumable FHA mortgage at 3.50%
FHA
Active
46
$239,900$239,900 equity gap
Rate
3.50%
7.32%today
Payment
$0/mo
  • 1beds
  • 2baths
  • 857sqft

48255 Monroe Street #2, Indio

80167 Royal Birkdale Drive, Indio, CA, 92201 — assumable FHA mortgage at 3.57%
FHA
Active
27
$369,000$216,177 equity gap
Rate
3.57%
7.32%today
Payment
$892/mo
$1,352today
  • 2beds
  • 2baths
  • 1,404sqft

80167 Royal Birkdale Drive, Indio

52283 Las Palmas, Coachella, CA, 92236 — assumable FHA mortgage at 3.60%
FHA
Active
2
$385,000$173,682 equity gap
Rate
3.60%
7.32%today
Payment
$1,112/mo
$1,679today
  • 3beds
  • 2baths
  • 1,120sqft

52283 Las Palmas, Coachella

83629 Nicklecreek Drive, Coachella, CA, 92236 — assumable FHA mortgage at 3.61%
FHA
Active
42
$499,000$240,477 equity gap
Rate
3.61%
7.32%today
Payment
$1,371/mo
$2,068today
  • 5beds
  • 3baths
  • 2,162sqft

83629 Nicklecreek Drive, Coachella

48606 El Castillo Road, Coachella, CA, 92236 — assumable FHA mortgage at 3.61%
FHA
Active
26
$720,000$469,169 equity gap
Rate
3.61%
7.32%today
Payment
$1,330/mo
$2,007today
  • 5beds
  • 2baths
  • 2,148sqft

48606 El Castillo Road, Coachella

80097 Ironbark Way, La Quinta, CA, 92253 — assumable VA mortgage at 3.70%
VA
Active
62
$550,000$371,057 equity gap
Rate
3.70%
7.32%today
Payment
$955/mo
$1,425today
  • 3beds
  • 3baths
  • 1,656sqft

80097 Ironbark Way, La Quinta

78840 Sanita Drive, La Quinta, CA, 92253 — assumable FHA mortgage at 3.75%
FHA
Active
42
$535,000$236,256 equity gap
Rate
3.75%
7.32%today
Payment
$1,610/mo
$2,388today
  • 4beds
  • 2baths
  • 1,458sqft

78840 Sanita Drive, La Quinta

49510 Copperidge Street, Coachella, CA, 92236 — assumable FHA mortgage at 3.76%
FHA
Active
36
$605,000$440,032 equity gap
Rate
3.76%
7.32%today
Payment
$1,002/mo
$1,484today
  • 5beds
  • 4baths
  • 2,162sqft

49510 Copperidge Street, Coachella

51555 Ponderosa Drive, Indio, CA, 92201 — assumable FHA mortgage at 5.09%
FHA
Active
55
$435,000$71,691 equity gap
Rate
5.09%
7.32%today
Payment
$2,106/mo
$2,667today
  • 2beds
  • 2baths
  • 1,342sqft

51555 Ponderosa Drive, Indio

84855 Cairo Street, Coachella, CA, 92236 — assumable FHA mortgage at 4.15%
FHA
Active
$430,000$290,289 equity gap
Rate
4.15%
7.32%today
Payment
$916/mo
$1,295today
  • 3beds
  • 2baths
  • 1,615sqft

84855 Cairo Street, Coachella

82223 Vandenberg, Indio, CA, 92201 — assumable FHA mortgage at 4.16%
FHA
Active
$400,000Potential short sale
Rate
4.16%
7.32%today
Payment
$2,676/mo
$3,777today
  • 3beds
  • 2baths
  • 2,111sqft

82223 Vandenberg, Indio

83660 Matterhorn, Indio, CA, 92203 — assumable VA mortgage at 4.19%
VA
Active
45
$549,999$316,301 equity gap
Rate
4.19%
7.32%today
Payment
$1,533/mo
$2,156today
  • 3beds
  • 3baths
  • 2,578sqft

83660 Matterhorn, Indio

85157 Stazzano Place, Indio, CA, 92203 — assumable VA mortgage at 5.00%
VA
Active
40
$689,900$167,603 equity gap
Rate
5.00%
7.32%today
Payment
$3,009/mo
$3,850today
  • 2beds
  • 2baths
  • 2,026sqft

85157 Stazzano Place, Indio

44391 Royal Lytham Drive, Indio, CA, 92201 — assumable FHA mortgage at 6.74%
FHA
Active
44
$525,000Potential short sale
Rate
6.74%
7.32%today
Payment
$3,435/mo
$3,642today
  • 2beds
  • 2baths
  • 1,523sqft

44391 Royal Lytham Drive, Indio

48255 Monroe Street #5, Indio, CA, 92201 — assumable FHA mortgage at 6.90%
FHA
Active
57
$280,000$12,033 equity gap
Rate
6.90%
7.32%today
Payment
$1,811/mo
$1,889today
  • 2beds
  • 2baths
  • 998sqft

48255 Monroe Street #5, Indio

43890 Treviso Drive, Indio, CA, 92203 — assumable FHA mortgage at 5.10%
FHA
Active
41
$429,000$86,713 equity gap
Rate
5.10%
7.32%today
Payment
$1,989/mo
$2,516today
  • 2beds
  • 2baths
  • 1,602sqft

43890 Treviso Drive, Indio

51875 Ponderosa Drive, Indio, CA, 92201 — assumable VA mortgage at 4.32%
VA
Active
14
$399,000$233,024 equity gap
Rate
4.32%
7.32%today
Payment
$984/mo
$1,363today
  • 2beds
  • 2baths
  • 1,294sqft

51875 Ponderosa Drive, Indio

83124 Blue Mountain Court, Indio, CA, 92201 — assumable FHA mortgage at 4.34%
FHA
Active
35
$505,000$370,600 equity gap
Rate
4.34%
7.32%today
Payment
$903/mo
$1,248today
  • 4beds
  • 2baths
  • 1,547sqft

83124 Blue Mountain Court, Indio

80623 Veranda Lane, Indio, CA, 92201 — assumable VA mortgage at 6.25%
VA
Active
42
$695,000$40,578 equity gap
Rate
6.25%
7.32%today
Payment
$4,212/mo
$4,699today
  • 5beds
  • 3baths
  • 1,769sqft

80623 Veranda Lane, Indio

83157 Todos Santos Avenue, Coachella, CA, 92236 — assumable FHA mortgage at 6.47%
FHA
Active
44
$635,000$58,985 equity gap
Rate
6.47%
7.32%today
Payment
$3,712/mo
$4,047today
  • 4beds
  • 2baths
  • 1,798sqft

83157 Todos Santos Avenue, Coachella

Assuming a mortgage in Thermal

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
$426 /mo
Median cash to assume
$240,477
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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