Pasadena, CA · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Pasadena, California (CA)
Search active homes in Pasadena, 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 (Pasadena Area · 0.75%/yr), and get quotes from lenders serving Pasadena.
Assumable Mortgage Buyer ConciergePasadena, CA
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Pasadena, CA.
Assumable Mortgage Scenarios in Pasadena & California
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VA 3.75% AssumableSave -$14,388/mo$2,598,0004 bd · 4 ba · 2,669 sqft
720 EL CENTRO ST
South Pasadena, CA 91030
1st Loan Balance$441,100
Est. Equity Gap$2,156,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,136/mo$1,448,0003 bd · 2 ba · 1,154 sqft
1036 HOPE ST
South Pasadena, CA 91030
1st Loan Balance$899,000
Est. Equity Gap$549,000
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$4,483/mo$1,250,0002 bd · 2 ba · 1,263 sqft
1316 BRUNSWICK AVE
South Pasadena, CA 91030
1st Loan Balance$783,400
Est. Equity Gap$466,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,308/mo$1,350,0003 bd · 3 ba · 1,768 sqft
1261 KOLLE AVE
South Pasadena, CA 91030
1st Loan Balance$908,100
Est. Equity Gap$441,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$11,526/mo$1,999,0004 bd · 4 ba · 2,378 sqft
2084 HANSCOM DR
South Pasadena, CA 91030
1st Loan Balance$323,800
Est. Equity Gap$1,675,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$8,319/mo$2,200,0004 bd · 4 ba · 2,967 sqft
1345 INDIANA AVE
South Pasadena, CA 91030
1st Loan Balance$1,258,400
Est. Equity Gap$941,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$19,149/mo$5,999,9994 bd · 5 ba · 3,283 sqft
2041 ASHBOURNE DR
South Pasadena, CA 91030
1st Loan Balance$3,439,800
Est. Equity Gap$2,560,199
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,967/mo$1,400,0004 bd · 2 ba · 2,188 sqft
403 MISSION ST
South Pasadena, CA 91030
1st Loan Balance$868,800
Est. Equity Gap$531,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,790/mo$499,0003 bd · 2 ba · 1,950 sqft
228 WARWICK AVE
South Pasadena, CA 91030
1st Loan Balance$312,500
Est. Equity Gap$186,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$6,650/mo$3,290,0005 bd · 4 ba · 4,482 sqft
1231 BLAIR AVE
South Pasadena, CA 91030
1st Loan Balance$2,548,000
Est. Equity Gap$742,000
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,332/mo$929,0002 bd · 3 ba · 1,302 sqft
312 PASADENA AVE APT C
South Pasadena, CA 91030
1st Loan Balance$582,400
Est. Equity Gap$346,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$8,868/mo$2,499,0008 bd · 4 ba · 3,656 sqft
722 BRENT AVE
South Pasadena, CA 91030
1st Loan Balance$1,550,600
Est. Equity Gap$948,400
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Pasadena, CA
Which loans are assumable in Pasadena, CA?
All government-insured FHA, VA, and USDA residential mortgages in Pasadenaare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Pasadena buyers finance the equity gap?
If a home in Pasadena 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 Pasadena lenders so you only bring 5%–10% down.
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