2.98% FHA
$525,000
$2,448/mo
Dover Street
West Sacramento, CA
4 bd4 ba1,901 sqft
Sacramento, California
Keep the rate.
Buy the home in Sacramento.
39 assumable homes for sale in Sacramento, with locked rates from 2.77%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.13%
vs 7.2% market
$654/mo saved
Median locked rate
6.13%
Across 39 assumable listings
Typical monthly savings
$654
On a $475,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Sacramento
Homes with a rate worth keeping
2.90% FHA
$498,000
$1,711/mo
Natomas Central Drive
Sacramento, CA
3 bd3 ba1,892 sqft
3.00% VA
$449,000
$1,510/mo
3732 Kings Way
Sacramento, CA
3 bd2 ba1,501 sqft
2.77% VA
$520,000
$1,621/mo
Saintsbury Drive
Sacramento, CA
4 bd2 ba1,659 sqft
2.94% FHA
$389,999
$1,191/mo
Bowling Green Drive
Sacramento, CA
3 bd2 ba994 sqft
4.42% FHA
$545,000
$2,656/mo
Canyon Creek Way
Elk Grove, CA
3 bd2 ba1,473 sqft
Inventory snapshot
What’s assumable in Sacramento right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 39
- Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 6.13%
- Median list price
- $475,000
- Median cash to assume
- $126,639
Listings by locked rate
- Under 4%10 homes
- 4% – 5%4 homes
- 5% – 6%4 homes
- 6% and up20 homes
Listings by loan type
- FHA32 homesmedian 6.30%
- VA7 homesmedian 3.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sacramento ZIP code
- 95834
6 assumable homes · median 4.39%
median $512,500
- 95823
4 assumable homes · median 5.97%
median $334,500
- 95829
4 assumable homes · median 4.70%
median $567,500
- 95815
3 assumable homes · median 6.09%
median $349,999
- 95820
3 assumable homes · median 6.21%
median $394,999
- 95821
3 assumable homes · median 6.54%
median $375,000
- 95822
2 assumable homes · median 4.06%
median $477,500
- 95826
2 assumable homes · median 5.13%
median $517,000
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
- Beaumont37
- Moreno Valley37
- Acampo
Run your numbers
The cost of waiting in Sacramento.
A 7.2% new loan against an assumable one at 6.13%, same balance, 30 years.
You keep every month
$269/mo
Over a year$3,231
Monthly payment, side by side
7.2% vs 6.13%
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 Sacramento
Numbers below come from current Sacramento inventory and update as listings change.
- How many assumable homes are for sale in Sacramento?
- As of September 2026, UMe tracks 39 active assumable listings in Sacramento. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sacramento?
- Current Sacramento inventory breaks down as FHA (32, median 6.30%) and VA (7, median 3.00%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Sacramento right now?
- The lowest rate on an active Sacramento assumable listing is 2.77%, and the median across all 39 listings is 6.13%. 10 listings are under 4% and 14 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Sacramento?
- Across current Sacramento listings, the median principal-and-interest payment on the assumable loan is $2,226 per month versus $2,880 for the same balance at today's rates, a difference of about $654 every month, or $7,845 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Sacramento?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sacramento that gap is currently a median of $126,639 on a median list price of $475,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Sacramento ZIP codes have the most assumable homes?
- The Sacramento ZIP codes with the most active assumable listings are 95834 (6), 95823 (4), 95829 (4), 95815 (3), and 95820 (3). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Sacramento?
- 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 Sacramento.
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.
