Modesto, CA · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Modesto, California (CA)
Search active homes in Modesto, CA with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Modesto Area · 0.75%/yr), and get quotes from lenders serving Modesto.
Assumable Mortgage Buyer ConciergeModesto, CA
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Assumable Mortgage Scenarios in Modesto & California
View All Live Listings in Modesto, CA →
VA 3.75% AssumableSave -$1,484/mo$465,0003 bd · 2 ba · 1,458 sqft
1004 AUTUMN DR
Modesto, CA 95355
1st Loan Balance$266,700
Est. Equity Gap$198,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,536/mo$715,0003 bd · 3 ba · 2,529 sqft
1000 BLACK WOOD PL
Modesto, CA 95355
1st Loan Balance$443,900
Est. Equity Gap$271,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,149/mo$599,0005 bd · 3 ba · 2,656 sqft
3121 ROCHDALE DR
Modesto, CA 95355
1st Loan Balance$375,200
Est. Equity Gap$223,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,467/mo$459,0003 bd · 2 ba · 1,562 sqft
2105 NOELLE CT
Modesto, CA 95355
1st Loan Balance$262,800
Est. Equity Gap$196,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,432/mo$399,0003 bd · 2 ba · 1,016 sqft
1433 COFFEE VILLA DR
Modesto, CA 95355
1st Loan Balance$249,800
Est. Equity Gap$149,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,483/mo$699,9003 bd · 2 ba · 2,229 sqft
3547 WYCLIFFE DR
Modesto, CA 95355
1st Loan Balance$434,400
Est. Equity Gap$265,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,434/mo$616,5003 bd · 3 ba · 2,281 sqft
405 THE CV
Modesto, CA 95355
1st Loan Balance$445,100
Est. Equity Gap$171,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,878/mo$529,9004 bd · 2 ba · 1,731 sqft
1221 MIST FLOWER CT
Modesto, CA 95355
1st Loan Balance$329,300
Est. Equity Gap$200,600
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$1,575/mo$439,0003 bd · 3 ba · 1,757 sqft
2640 BEATRICE LN
Modesto, CA 95355
1st Loan Balance$275,100
Est. Equity Gap$163,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,713/mo$850,0004 bd · 3 ba · 2,958 sqft
3224 LAKESHORE CT
Modesto, CA 95355
1st Loan Balance$487,300
Est. Equity Gap$362,700
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$2,280/mo$635,9005 bd · 4 ba · 3,048 sqft
3900 MARYDALE WAY
Modesto, CA 95355
1st Loan Balance$398,700
Est. Equity Gap$237,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,596/mo$449,9003 bd · 3 ba · 1,515 sqft
2025 HEARTHSTONE LN
Modesto, CA 95355
1st Loan Balance$279,300
Est. Equity Gap$170,600
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Modesto, CA
Which loans are assumable in Modesto, CA?
All government-insured FHA, VA, and USDA residential mortgages in Modestoare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Modesto buyers finance the equity gap?
If a home in Modesto is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Modesto lenders so you only bring 5%–10% down.
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