FHA, VA, and USDA loans can be assumed — you take over the seller's rate instead of borrowing at today's. I track potential assumption opportunities across Sacramento, Placer, Yolo, and El Dorado counties and refresh this list weekly.
Unlock this week's list See what homes are assumable FHA · VA · USDA — Sacramento · Placer · Yolo · El DoradoDrop your info for instant access to this week's potential assumption homes in your area — plus a heads-up whenever new ones hit. No spam, just the list.
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Every home below is an active listing flagged as potentially assumable based on loan records. ‘Potentially’ matters — the seller's lender has to approve every assumption, so I verify before we write anything.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
No verified assumptions here yet — check back soon.
Your next list is on its way. Fresh assumable home opportunities, delivered weekly.
You apply with the seller's lender and have to qualify — it's a real application, not a handoff.
If the seller owes $400K and the purchase price is $500K, you bring the $100K difference. This is usually the biggest hurdle with loan assumptions — but if you don't have the full gap in cash, secondary financing may help cover the difference. I'll be straight with you about the math before you fall for a rate.
Servicers move slow — plan on 60 to 90 days, not 30.
You just have to qualify for the assumption. And if you're VA-eligible, we may be able to substitute your entitlement for the seller's — allowing them to restore theirs while you take over the existing VA loan and rate, making them even more willing to give you their rate!
Most agents wait for a listing to say ‘assumable.’ I go find them.
I'm Pablo Salazar, Broker Associate with 38 Degrees Real Estate — 20+ years structuring deals in the Sacramento region. Assumptions have more moving parts than a standard purchase: lender approvals, entitlement issues, gap math. That's exactly the kind of deal where having a broker in your corner pays.
20 Years of Grit, Grind & Real-Estate Wins.
916.218.8071|DRE 01722824
Tell me what you're looking for and I'll tell you straight whether the math works — before you spend a weekend falling for houses.
Talk to me about it