San Diego, CA · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in San Diego, California (CA)
Search active homes in San Diego, 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 (San Diego Co. · 0.79%/yr), and get quotes from lenders serving San Diego.
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Assumable Mortgage Scenarios in San Diego & California
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FHA 3.75% AssumableSave -$279,248/mo$87,500,00010 bd · 17 ba · 12,981 sqft
1900 SPINDRIFT DR
La Jolla, CA 92037
1st Loan Balance$50,164,300
Est. Equity Gap$37,335,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$13,660/mo$3,850,0003 bd · 3 ba · 2,383 sqft
2551 VIA VIESTA
La Jolla, CA 92037
1st Loan Balance$2,389,300
Est. Equity Gap$1,460,700
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$5,722/mo$1,595,0004 bd · 3 ba · 2,601 sqft
9606 CLAIBORNE SQ
La Jolla, CA 92037
1st Loan Balance$999,300
Est. Equity Gap$595,700
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$6,369/mo$1,995,0003 bd · 3 ba · 1,674 sqft
5305 CASS ST
San Diego, CA 92109
1st Loan Balance$1,143,400
Est. Equity Gap$851,600
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$20,785/mo$5,795,0003 bd · 3 ba · 1,925 sqft
351 FERN GLN
La Jolla, CA 92037
1st Loan Balance$3,631,600
Est. Equity Gap$2,163,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$37,966/mo$10,700,0003 bd · 3 ba · 2,172 sqft
6621 NEPTUNE PL
La Jolla, CA 92037
1st Loan Balance$6,640,300
Est. Equity Gap$4,059,700
Calculate Payment & 2nd Loan
FHA 3.75% AssumableSave -$10,372/mo$3,250,0002 bd · 3 ba · 2,506 sqft
633 FERN GLN
La Jolla, CA 92037
1st Loan Balance$1,863,200
Est. Equity Gap$1,386,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$34,595/mo$9,750,0004 bd · 5 ba · 4,720 sqft
7784 HILLSIDE DR
La Jolla, CA 92037
1st Loan Balance$6,050,800
Est. Equity Gap$3,699,200
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$9,826/mo$2,739,9904 bd · 2 ba · 2,401 sqft
5877 SOLEDAD MOUNTAIN RD
La Jolla, CA 92037
1st Loan Balance$1,717,500
Est. Equity Gap$1,022,490
Calculate Payment & 2nd Loan
USDA 3.75% AssumableSave -$95,742/mo$30,000,0008 bd · 11 ba · 12,509 sqft
5416 CANDLELIGHT DR
La Jolla, CA 92037
1st Loan Balance$17,199,200
Est. Equity Gap$12,800,800
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$8,876/mo$2,475,0004 bd · 4 ba · 2,507 sqft
1380 CAMINITO BALADA
La Jolla, CA 92037
1st Loan Balance$1,551,200
Est. Equity Gap$923,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$15,967/mo$4,499,9954 bd · 3.5 ba · 2,771 sqft
1402 RODEO DR
La Jolla, CA 92037
1st Loan Balance$2,792,700
Est. Equity Gap$1,707,295
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in San Diego, CA
Which loans are assumable in San Diego, CA?
All government-insured FHA, VA, and USDA residential mortgages in San Diegoare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do San Diego buyers finance the equity gap?
If a home in San Diego 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 San Diego lenders so you only bring 5%–10% down.
More Cities with Assumable Mortgages in California
San Diego, CATemecula, CAMurrieta, CARiverside, CAOceanside, CAIrvine, CALos Angeles, CACorona, CAMoreno Valley, CAFontana, CARancho Cucamonga, CAOntario, CAMenifee, CAHemet, CAPerris, CALake Elsinore, CABeaumont, CAYucaipa, CARedlands, CASan Bernardino, CAVictorville, CAHesperia, CAApple Valley, CAPalmdale, CALancaster, CASanta Clarita, CASimi Valley, CAThousand Oaks, CAOxnard, CAVentura, CAChula Vista, CAEscondido, CACarlsbad, CAVista, CASan Marcos, CAEl Cajon, CAAnaheim, CASanta Ana, CAHuntington Beach, CALong Beach, CATorrance, CAPasadena, CABurbank, CAGlendale, CAPomona, CAChino, CAChino Hills, CAUpland, CASacramento, CARoseville, CAElk Grove, CAVacaville, CASan Jose, CAFresno, CABakersfield, CAModesto, CAStockton, CATracy, CAManteca, CALathrop, CATurlock, CAMerced, CAVisalia, CAClovis, CAHanford, CAMadera, CAChico, CARedding, CAYuba City, CAFolsom, CARocklin, CALincoln, CARancho Cordova, CACitrus Heights, CAFairfield, CAVallejo, CAConcord, CAAntioch, CABrentwood, CAOakley, CALivermore, CAPleasanton, CADublin, CAFremont, CAHayward, CAOakland, CASan Francisco, CASanta Rosa, CANapa, CASalinas, CA
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