2.84% FHA
$499,000
$2,185/mo
1815 68th Ave
Oakland, CA
3 bd1 ba1,184 sqft
Hayward, California
Keep the rate.
Buy the home in Hayward.
9 assumable homes for sale in Hayward, with locked rates from 2.85%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.27%
vs 7.2% market
$1,827/mo saved
Median locked rate
3.27%
Across 9 assumable listings
Typical monthly savings
$1,827
On a $849,000 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 Hayward
Homes with a rate worth keeping
2.75% FHA
$799,000
$3,480/mo
2605 Prentiss Pl
Oakland, CA
— bd0 ba— sqft
3.47% FHA
$550,000
$2,825/mo
B St
Oakland, CA
5 bd2 ba1,416 sqft
2.85% FHA
$829,888
$3,198/mo
16158 Via Walter
San Lorenzo, CA
3 bd2 ba1,231 sqft
3.27% FHA
$689,000
$2,870/mo
23933 Carmelita Dr
Hayward, CA
2 bd1 ba1,038 sqft
2.83% VA
$875,000
$3,083/mo
14868 Crosby St
San Leandro, CA
3 bd2 ba1,543 sqft
Inventory snapshot
What’s assumable in Hayward right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 9
- Certified / verified
- 0
- Lowest rate
- 2.85%
- Median rate
- 3.27%
- Median list price
- $849,000
- Median cash to assume
- $231,219
Listings by locked rate
- Under 4%5 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- VA5 homesmedian 2.94%
- FHA4 homesmedian 4.33%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Hayward ZIP code
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 Hayward.
A 7.2% new loan against an assumable one at 3.27%, same balance, 30 years.
You keep every month
$1,649/mo
Over a year$19,787
Monthly payment, side by side
7.2% vs 3.27%
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 Hayward
Numbers below come from current Hayward inventory and update as listings change.
- How many assumable homes are for sale in Hayward?
- As of September 2026, UMe tracks 9 active assumable listings in Hayward. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Hayward?
- Current Hayward inventory breaks down as VA (5, median 2.94%) and FHA (4, median 4.33%). 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 Hayward right now?
- The lowest rate on an active Hayward assumable listing is 2.85%, and the median across all 9 listings is 3.27%. 5 listings are under 4% and 7 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 Hayward?
- Across current Hayward listings, the median principal-and-interest payment on the assumable loan is $3,350 per month versus $5,177 for the same balance at today's rates, a difference of about $1,827 every month, or $21,920 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 Hayward?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hayward that gap is currently a median of $231,219 on a median list price of $849,000. 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 Hayward ZIP codes have the most assumable homes?
- The Hayward ZIP codes with the most active assumable listings are 94541 (3), 94544 (3), and 94545 (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 Hayward?
- 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 Hayward.
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.
