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Assumable homes for sale in Valley Center, CA

35 homesVA & FHA loansrates from 2.71% vs 7.32% today

Valley Center assumption guide
29402 Circle R Greens Dr, Escondido, CA, 92026 — assumable FHA mortgage at 2.87%
FHA
Active
38
$549,900$70,918 equity gap
Rate
2.87%
7.32%today
Payment
$2,239/mo
$3,710today
  • 2beds
  • 2baths
  • 1,396sqft

29402 Circle R Greens Dr, Escondido

154 Cerco Rosado, San Marcos, CA, 92069 — assumable FHA mortgage at 3.05%
FHA
Active
36
$649,000$105,705 equity gap
Rate
3.05%
7.32%today
Payment
$2,562/mo
$4,148today
  • 2beds
  • 2baths
  • 1,175sqft

154 Cerco Rosado, San Marcos

30138 Disney Lane, Vista, CA, 92084 — assumable VA mortgage at 3.10%
VA
Active
62
$1,100,000$228,817 equity gap
Rate
3.10%
7.32%today
Payment
$4,131/mo
$6,646today
  • 3beds
  • 2baths
  • 2,178sqft

30138 Disney Lane, Vista

895 Slate Street, San Marcos, CA, 92078 — assumable VA mortgage at 2.87%
VA
Active
24
$669,000$230,505 equity gap
Rate
2.87%
7.32%today
Payment
$2,093/mo
$3,468today
  • 2beds
  • 3baths
  • 1,305sqft

895 Slate Street, San Marcos

14217 Merion Circle, Valley Center, CA, 92082 — assumable VA mortgage at 2.71%
VA
Active
74
$1,250,000$703,311 equity gap
Rate
2.71%
7.32%today
Payment
$2,553/mo
$4,318today
  • 5beds
  • 3baths
  • 3,708sqft

14217 Merion Circle, Valley Center

930 Rose Arbor Drive, San Marcos, CA, 92078 — assumable VA mortgage at 2.79%
VA
Active
58
$1,200,000$714,729 equity gap
Rate
2.79%
7.32%today
Payment
$2,280/mo
$3,817today
  • 3beds
  • 3baths
  • 2,319sqft

930 Rose Arbor Drive, San Marcos

10975 Old Oak Holler, Valley Center, CA, 92082 — assumable VA mortgage at 2.88%
VA
Active
68
$2,250,000$1,026,489 equity gap
Rate
2.88%
7.32%today
Payment
$5,713/mo
$9,453today
  • 5beds
  • 2baths
  • 2,428sqft

10975 Old Oak Holler, Valley Center

495 San Pasqual Valley Road #152, Escondido, CA, 92027 — assumable VA mortgage at 3.00%
VA
Active
17
$279,000$279,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 1beds
  • 1baths
  • 644sqft

495 San Pasqual Valley Road #152, Escondido

495 San Pasqual Valley Road #116, Escondido, CA, 92027 — assumable VA mortgage at 3.00%
VA
Active
25
$280,000$280,000 equity gap
Rate
3.00%
7.32%today
Payment
$0/mo
  • 1beds
  • 1baths
  • 644sqft

495 San Pasqual Valley Road #116, Escondido

788 Trunorth Circle, Escondido, CA, 92026 — assumable FHA mortgage at 3.02%
FHA
Active
56
$734,000$328,334 equity gap
Rate
3.02%
7.32%today
Payment
$1,963/mo
$3,191today
  • 3beds
  • 3baths
  • 1,918sqft

788 Trunorth Circle, Escondido

475 Midway Drive #153, Escondido, CA, 92027 — assumable FHA mortgage at 3.13%
FHA
Active
28
$399,999$180,765 equity gap
Rate
3.13%
7.32%today
Payment
$1,084/mo
$1,736today
  • 2beds
  • 2baths
  • 964sqft

475 Midway Drive #153, Escondido

1422 Country Club, Escondido, CA, 92026 — assumable VA mortgage at 3.26%
VA
Active
67
$985,000$616,924 equity gap
Rate
3.26%
7.32%today
Payment
$1,853/mo
$2,921today
  • 3beds
  • 2baths
  • 1,968sqft

1422 Country Club, Escondido

1401 El Norte Parkway #39, San Marcos, CA, 92069 — assumable FHA mortgage at 3.31%
FHA
Active
54
$475,000$212,142 equity gap
Rate
3.31%
7.32%today
Payment
$1,333/mo
$2,088today
  • 3beds
  • 2baths
  • 1,521sqft

1401 El Norte Parkway #39, San Marcos

809 Sol Vista, Escondido, CA, 92025 — assumable VA mortgage at 3.33%
VA
Active
29
$849,000$438,102 equity gap
Rate
3.33%
7.32%today
Payment
$2,088/mo
$3,263today
  • 4beds
  • 3baths
  • 1,820sqft

809 Sol Vista, Escondido

27924 Barley Court, Valley Center, CA, 92082 — assumable FHA mortgage at 4.16%
FHA
Active
44
$869,000$174,534 equity gap
Rate
4.16%
7.32%today
Payment
$3,666/mo
$5,174today
  • 4beds
  • 3baths
  • 2,672sqft

27924 Barley Court, Valley Center

1350 Escondido Blvd #44, Escondido, CA, 92026 — assumable VA mortgage at 3.75%
VA
Active
32
$315,000$99,728 equity gap
Rate
3.75%
7.32%today
Payment
$1,094/mo
$1,622today
  • 1beds
  • 1baths
  • 628sqft

1350 Escondido Blvd #44, Escondido

8975 Lawrence Welk Dr #135, Escondido, CA, 92026 — assumable VA mortgage at 3.63%
VA
Active
23
$560,000$396,657 equity gap
Rate
3.63%
7.32%today
Payment
$1,086/mo
$1,634today
  • 3beds
  • 2baths
  • 1,622sqft

8975 Lawrence Welk Dr #135, Escondido

1635 Toyon Gln, Escondido, CA, 92026 — assumable VA mortgage at 3.93%
VA
Active
23
$425,000$247,864 equity gap
Rate
3.93%
7.32%today
Payment
$1,088/mo
$1,579today
  • 2beds
  • 2baths
  • 1,056sqft

1635 Toyon Gln, Escondido

27248 Saint Andrews Ln, Valley Center, CA, 92082 — assumable VA mortgage at 4.01%
VA
Active
42
$1,248,000$807,575 equity gap
Rate
4.01%
7.32%today
Payment
$2,805/mo
$4,031today
  • 4beds
  • 4baths
  • 3,546sqft

27248 Saint Andrews Ln, Valley Center

3056 Overhill Drive, Vista, CA, 92084 — assumable FHA mortgage at 4.08%
FHA
Active
45
$1,345,000$773,353 equity gap
Rate
4.08%
7.32%today
Payment
$3,210/mo
$4,575today
  • 4beds
  • 4baths
  • 3,565sqft

3056 Overhill Drive, Vista

1649 Palomar Drive, San Marcos, CA, 92069 — assumable VA mortgage at 6.66%
VA
Active
30
$834,999Potential short sale
Rate
6.66%
7.32%today
Payment
$5,448/mo
$5,824today
  • 3beds
  • 2baths
  • 1,257sqft

1649 Palomar Drive, San Marcos

1973 Buckskin, Escondido, CA, 92027 — assumable VA mortgage at 7.03%
VA
Active
28
$649,900$7,756 equity gap
Rate
7.03%
7.32%today
Payment
$4,407/mo
$4,536today
  • 2beds
  • 2baths
  • 1,249sqft

1973 Buckskin, Escondido

189 Mission Villas, San Marcos, CA, 92069 — assumable VA mortgage at 6.33%
VA
Active
43
$645,000$46,414 equity gap
Rate
6.33%
7.32%today
Payment
$3,887/mo
$4,300today
  • 2beds
  • 3baths
  • 1,105sqft

189 Mission Villas, San Marcos

27053 Saint Andrews Lane, Valley Center, CA, 92082 — assumable FHA mortgage at 6.95%
FHA
Active
45
$889,000$72,130 equity gap
Rate
6.95%
7.32%today
Payment
$5,525/mo
$5,733today
  • 3beds
  • 3baths
  • 2,141sqft

27053 Saint Andrews Lane, Valley Center

10243 Canyon, Escondido, CA, 92026 — assumable VA mortgage at 7.02%
VA
Active
30
$899,000$19,570 equity gap
Rate
7.02%
7.32%today
Payment
$6,000/mo
$6,182today
  • 4beds
  • 3baths
  • 1,788sqft

10243 Canyon, Escondido

30349 Cool Valley Lane, Valley Center, CA, 92082 — assumable FHA mortgage at 4.625%
FHA
Active
58
$1,425,000$590,482 equity gap
Rate
4.625%
7.32%today
Payment
$4,602/mo
$6,149today
  • 7beds
  • 5baths
  • 4,694sqft

30349 Cool Valley Lane, Valley Center

893 Woodhaven Rd., San Marcos, CA, 92069 — assumable VA mortgage at 6.35%
VA
Active
22
$1,385,000$188,576 equity gap
Rate
6.35%
7.32%today
Payment
$7,609/mo
$8,401today
  • 4beds
  • 3baths
  • 2,274sqft

893 Woodhaven Rd., San Marcos

15360 Round Tree Road, Valley Center, CA, 92082 — assumable FHA mortgage at 6.96%
FHA
Active
29
$875,000$113,018 equity gap
Rate
6.96%
7.32%today
Payment
$5,205/mo
$5,396today
  • 3beds
  • 3baths
  • 1,931sqft

15360 Round Tree Road, Valley Center

475 Midway Drive #214, Escondido, CA, 92027 — assumable VA mortgage at 7.10%
VA
Active
44
$549,999$61,203 equity gap
Rate
7.10%
7.32%today
Payment
$3,364/mo
$3,438today
  • 3beds
  • 2baths
  • 1,053sqft

475 Midway Drive #214, Escondido

530 Kalmia Street, Escondido, CA, 92025 — assumable FHA mortgage at 6.89%
FHA
Active
25
$669,000$148,449 equity gap
Rate
6.89%
7.32%today
Payment
$3,500/mo
$3,654today
  • 2beds
  • 1baths
  • 786sqft

530 Kalmia Street, Escondido

3505 Hollencrest Road, San Marcos, CA, 92069 — assumable VA mortgage at 6.96%
VA
Active
27
$620,000$127,358 equity gap
Rate
6.96%
7.32%today
Payment
$3,313/mo
$3,435today
  • 3beds
  • 1baths
  • 827sqft

3505 Hollencrest Road, San Marcos

749 Almond Rd, San Marcos, CA, 92078 — assumable FHA mortgage at 5.62%
FHA
Active
35
$675,000$534,693 equity gap
Rate
5.62%
7.32%today
Payment
$1,760/mo
$2,102today
  • 3beds
  • 3baths
  • 1,238sqft

749 Almond Rd, San Marcos

3620 Foxley Dr, Escondido, CA, 92027 — assumable FHA mortgage at 6.63%
FHA
Active
37
$949,000$312,832 equity gap
Rate
6.63%
7.32%today
Payment
$4,191/mo
$4,494today
  • 4beds
  • 3baths
  • 2,316sqft

3620 Foxley Dr, Escondido

870 Linda Lane, San Marcos, CA, 92069 — assumable FHA mortgage at 7.76%
FHA
Active
41
$1,150,000$348,870 equity gap
Rate
7.76%
7.32%today
Payment
$5,892/mo
$5,644today
  • 3beds
  • 3baths
  • 1,612sqft

870 Linda Lane, San Marcos

909 Richland Rd #145, San Marcos, CA, 92069 — assumable FHA mortgage at 6.73%
FHA
Active
33
$499,999$146,049 equity gap
Rate
6.73%
7.32%today
Payment
$2,341/mo
$2,484today
  • 2beds
  • 2baths
  • 1,584sqft

909 Richland Rd #145, San Marcos

Assuming a mortgage in Valley Center

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
2.71%
Lowest existing payment
$1,084 /mo
Median cash to assume
$228,817
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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