Homes across Sacramento, Placer, Yolo & El Dorado counties flagged as potentially assumable — with the seller-open standouts at the top. Updated every week.
Updated weeklyThese are the rare ones: the listing itself says the seller is open to an assumption. I cross-checked each one against the MLS — public or private remarks — before putting it here.
When you assume a loan, you take over the seller's remaining balance — not the purchase price. The amount left to cover is the difference, and you handle it with cash or additional financing. A $500,000 home with a $400,000 assumable balance leaves $100,000 to cover. Every home above shows that number up front, so you know the real picture before you fall in love.
Mortgage rates, balances, estimated payments, and savings comparisons are provided for general informational and illustrative purposes only. Assumable mortgage information may be obtained from MLS remarks, public records, listing information, or third-party research and may not have been confirmed directly with the lender or servicer. Loan assumability, balances, rates, remaining terms, eligibility, and approval must be independently confirmed with the applicable lender or servicer.
Traditional financing illustrations are based on published third-party market-rate information, not personalized mortgage quotes or financing terms offered by Pablo Salazar or 38 Degrees Real Estate. Actual financing rates, APR, payments, costs, and eligibility depend on the borrower, property, and licensed mortgage lender. Financing illustrations do not constitute mortgage loan offers, commitments, or guarantees. Pablo Salazar and 38 Degrees Real Estate do not originate, offer, or commit to mortgage loans.
Send me your details and I’ll run the numbers, answer your questions, and tell you straight whether this one can work for you.