2.77% VA
$374,999
$1,785/mo
2209 Summereve Court
San Jose, CA
1 bd1 ba512 sqft
Santa Clara, California
Keep the rate.
Buy the home in Santa Clara.
2 assumable homes for sale in Santa Clara, with locked rates from 6.50%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
7.30%
vs 7.2% market
$358/mo saved
Median locked rate
7.30%
Across 2 assumable listings
Typical monthly savings
$358
On a $1,104,444 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 Santa Clara
Homes with a rate worth keeping
2.90% FHA
$950,000
$4,393/mo
1120 Locust Street
San Jose, CA
4 bd2 ba1,474 sqft
2.98% VA
$628,000
$2,071/mo
5485 Don Pizarro Court
San Jose, CA
2 bd2 ba950 sqft
3.51% VA
$1,200,000
$5,081/mo
238 Paso Roble Cmn
Fremont, CA
3 bd2 ba1,431 sqft
2.77% VA
$1,250,000
$3,689/mo
228 Flynn Avenue
Mountain View, CA
2 bd3 ba1,614 sqft
2.29% FHA
$4,150,000
$4,323/mo
20696 Hanford Drive
Cupertino, CA
3 bd1 ba1,246 sqft
Inventory snapshot
What’s assumable in Santa Clara right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 7.30%
- Median list price
- $1,104,444
- Median cash to assume
- $484,217
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- FHA1 homemedian 6.50%
- VA1 homemedian 8.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Santa Clara 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 Santa Clara.
A 7.2% new loan against an assumable one at 7.30%, same balance, 30 years.
You keep every month
$-60/mo
Over a year$-720
Monthly payment, side by side
7.2% vs 7.30%
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 Santa Clara
Numbers below come from current Santa Clara inventory and update as listings change.
- How many assumable homes are for sale in Santa Clara?
- As of September 2026, UMe tracks 2 active assumable listings in Santa Clara. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Santa Clara?
- Current Santa Clara inventory breaks down as FHA (1, median 6.50%) and VA (1, median 8.10%). 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 Santa Clara right now?
- The lowest rate on an active Santa Clara assumable listing is 6.50%, and the median across all 2 listings is 7.30%. 0 listings are under 4% and 0 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 Santa Clara?
- Across current Santa Clara listings, the median principal-and-interest payment on the assumable loan is $4,793 per month versus $5,152 for the same balance at today's rates, a difference of about $358 every month, or $4,300 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 Santa Clara?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Santa Clara that gap is currently a median of $484,217 on a median list price of $1,104,444. 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 Santa Clara ZIP codes have the most assumable homes?
- The Santa Clara ZIP codes with the most active assumable listings are 95050 (2). 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 Santa Clara?
- 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 Santa Clara.
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.
