2.78% VA
$1,450,000
$6,557/mo
9699 Yoakum Drive
Los Angeles, CA
3 bd2 ba1,841 sqft
Northridge, California
Keep the rate.
Buy the home in Northridge.
2 assumable homes for sale in Northridge, with locked rates from 3.03%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.57%
vs 7.2% market
$885/mo saved
Median locked rate
4.57%
Across 2 assumable listings
Typical monthly savings
$885
On a $964,950 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Northridge
Homes with a rate worth keeping
2.77% FHA
$680,000
$2,512/mo
9155 Cedros Avenue
Panorama City, CA
4 bd3 ba1,893 sqft
2.90% FHA
$920,000
$3,219/mo
12817 Mineola Street
Arleta, CA
3 bd3 ba1,680 sqft
3.08% FHA
$565,000
$1,910/mo
23971 Arroyo Park Drive
Valencia, CA
2 bd2 ba1,252 sqft
3.75% FHA
$809,000
$3,984/mo
17014 Rinaldi Street
Granada Hills, CA
4 bd2 ba1,726 sqft
2.88% FHA
$799,000
$2,677/mo
8314 Peyton Way
West Hills, CA
4 bd4 ba2,047 sqft
Inventory snapshot
What’s assumable in Northridge right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 3.03%
- Median rate
- 4.57%
- Median list price
- $964,950
- Median cash to assume
- $666,022
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA2 homesmedian 4.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Northridge 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 Northridge.
A 7.2% new loan against an assumable one at 4.57%, same balance, 30 years.
You keep every month
$1,296/mo
Over a year$15,558
Monthly payment, side by side
7.2% vs 4.57%
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 Northridge
Numbers below come from current Northridge inventory and update as listings change.
- How many assumable homes are for sale in Northridge?
- As of September 2026, UMe tracks 2 active assumable listings in Northridge. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Northridge?
- Current Northridge inventory breaks down as FHA (2, median 4.57%). 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 Northridge right now?
- The lowest rate on an active Northridge assumable listing is 3.03%, and the median across all 2 listings is 4.57%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Northridge?
- Across current Northridge listings, the median principal-and-interest payment on the assumable loan is $1,564 per month versus $2,449 for the same balance at today's rates, a difference of about $885 every month, or $10,624 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 Northridge?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Northridge that gap is currently a median of $666,022 on a median list price of $964,950. 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 Northridge ZIP codes have the most assumable homes?
- The Northridge ZIP codes with the most active assumable listings are 91324 (1) and 91325 (1). 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 Northridge?
- 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 Northridge.
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.
