4.75% VA
$1,679,000
$9,390/mo
25983 High Terrace Lane
Salinas, CA
4 bd5 ba3,754 sqft
Carmel Valley, California
Keep the rate.
Buy the home in Carmel Valley.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Carmel Valley.
Avg. assumable rate
5.16%
vs 7.2% market
$1,358/mo saved
Average locked rate
5.16%
Across 6 assumable listings
Typical monthly savings
$1,358
On a $1,285,542 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Carmel Valley
Homes with a rate worth keeping
2.79% VA
$2,695,000
$5,909/mo
13101 Corte De Encanto
Salinas, CA
4 bd5 ba4,702 sqft
3.93% VA
$875,000
$2,153/mo
25658 Wisteria Court
Salinas, CA
3 bd3 ba1,570 sqft
6.50% FHA
$865,250
$5,618/mo
19307 Stonehenge Lane
Marina, CA
3 bd3 ba1,866 sqft
6.92% VA
$750,000
$5,036/mo
1915 Grandview Street
Seaside, CA
3 bd1 ba1,022 sqft
6.08% VA
$849,000
$3,870/mo
1494 Darwin Street
Seaside, CA
2 bd1 ba880 sqft
Nearby markets
More assumable homes in California
- San Diego257
- Los Angeles124
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale81
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Stockton40
- Sacramento39
- Beaumont37
- Moreno Valley37
Run your numbers
The cost of waiting in Carmel Valley.
A 7.2% new loan against an assumable one at 5.16%, same balance, 30 years.
You keep every month
$1,358/mo
Over a year$16,301
Monthly payment, side by side
7.2% vs 5.16%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Carmel Valley
Numbers below come from current Carmel Valley inventory and update as listings change.
- Are there assumable homes for sale in Carmel Valley?
- As of September 2026, there are no verified assumable listings in Carmel Valley. New assumable homes appear every week across California; save a search on the map and we will email you when one lands in Carmel Valley.
- What types of loans can be assumed in Carmel Valley?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in California. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Carmel Valley?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Carmel Valley.
Every listing on the map has a rate you can take over. Start with the ones in California, or list your own low-rate loan and let buyers come to you.
