Assumable Loan Opportunities · Updated Weekly

Someone else's 3% rate could be yours.

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 Dorado
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This week's list

This Week's Potentially Assumable Homes

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.

Your next list is on its way. Fresh assumable home opportunities, delivered weekly.

How it works

How assuming a loan actually works.

  1. 01

    Initiate the rate transfer request.

    You apply with the seller's lender and have to qualify — it's a real application, not a handoff.

  2. 02

    You cover the gap.

    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.

  3. 03

    It takes a while.

    Servicers move slow — plan on 60 to 90 days, not 30.

  4. 04

    You don't have to be a veteran to assume a VA loan.

    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.

Why work with me

Why work with me on this?

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.

Pablo Salazar
PABLO Salazar
Broker Associate

20 Years of Grit, Grind & Real-Estate Wins.

916.218.8071|DRE 01722824

Let's talk

Think an assumption could work for you?

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